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When will I know whether or not I’ve been approved for coverage? |
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What happens when I click the ’Apply’ button? |
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Which is my school’s health insurance plan? |
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What if I have serious health conditions? |
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What can I do if I’m currently pregnant? |
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How long does this whole process take? |
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What are my payment options? |
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None of this makes sense and my head aches! |
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How can you say Campus Coverage has the best rates? |
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What about Dental? |
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What about Maternity coverage? |
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Why is health insurance so expensive? |
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What is a co-payment? |
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What is a deductible? |
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What is the difference between an in-network and an out-of-network medical provider? |
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What are my options for making my first payment? |
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Can I buy health insurance for less if I buy directly from the insurance company? |
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What do I do if I want to buy my school’s plan? |
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What if my application is declined? |
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I’m having problems printing the application. |
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When will I know whether or not I’ve been approved for coverage? |
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The underwriting process can take 2 to 3 weeks. It can take even longer if there are problems with the application. The exception to this rule, however, is the Fortis-StudentSelect plan. If you are a full-time student, you are guaranteed acceptance. You will usually receive a ’hard-copy’ policy and other information within 3 weeks after sending off your Fortis application to CampusCoverage.com. |
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What happens when I click the ’Apply’ button? |
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If you are a first time user, you will see a page that asks for your name and phone number. This is so we can track the application and provide prompt customer support. You are then taken to a page that allows you print off the application (with instructions) or enter an email address where you would like the application sent (if you are not at a computer with a printer). From here on its very simple. Fill out the application (call if you have questions) then mail it off to CampusCoverage. You will be automatically notified via email as soon as we receive it. Do not hesitate to call our toll-free number if you have questions about the application. |
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Which is my school’s health insurance plan? |
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Your school’s plan is the first plan you see. It is located in the yellow box on top of all the other plans.
Some of you may not see a school plan. In its place is a message stating that your school either does not offer a sponsored plan or it simply does not have it on file with CampusCoverage.com.
Those of you that do see a school-sponsored plan will notice that there is no ’apply’ button next to it. This is because, with few exceptions, your school’s plan can only be purchased through your school (not CampusCoverage.com).
However, all of the alternative plans shown below your school’s plan can be purchased by clicking the ’apply’ button next to the plan of your choice. |
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What if I have serious health conditions? |
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If you currently have (or have had recently) a chronic illness or ongoing condition, you have a couple options.
Because you will most likely be declined coverage by most insurance companies (or substantially rated up) you need to look at your "guaranteed issue" options.
"Guaranteed issue" means there is no underwriting process that requires that you disclose your health history for evaluation purposes.
The two options mentioned above are your school’s plan (if available) and the Fortis-StudentSelect plan offered through CampusCoverage.com.
The Fortis plan is available in most states and will accept all full-time students regardless of health status.
It should be noted, however, that there is a 12-month waiver on all pre-existing conditions. Therefore, while you won’t initially have coverage for a current or recent condition, you will have coverage for all other possible health problems.
A final option may be your state’s Health Insurance Pool or other state-administered programs. |
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What can I do if I’m currently pregnant? |
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If you are currently pregnant, you will be declined by all of the insurance companies on the CampusCoverage.com website.
The only exception to this is the Fortis-StudentSelect plan. If you are a full-time student, they will accept you, but will not cover any maternity-related expenses.
For maternity coverage assistance, you will want to check with your state’s Health and Human Services division to see if there is public assistance and if so, whether or not you qualify. |
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How long does this whole process take? |
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Once you print off, complete and send in the application for health insurance, your application goes through an underwriting process that generally takes 2 to 3 weeks.
The underwriting process is where the insurance company looks at your health history (as provided by you on your application) and evaluates the risk of insuring you. Most student-age applicants are generally healthy and after a 2 to 3 week underwriting process are accepted and sent their new policy.
If there are health issues that require further information or documentation, the process can take a bit longer.
One sure way to make the process take longer is to send in an incomplete application.
One exception to all of this is the Fortis-StudentSelect plan. Because this plan is guaranteed-issue to all full-time college/university students, the application is less than a page long and acceptance is immediate. It usually takes a week or two for your Fortis policy to be sent out. |
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What are my payment options? |
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Your payment options will vary by plan. Generally speaking, you can pay on a month-to-month basis, quarterly or even annually.
If you decide to pay month-to-month, some companies require that you pay by automatic bank draft from your checking or savings account. |
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None of this makes sense and my head aches! |
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Nobody ever said buying health insurance was fun. But saving money is!
We can walk you through your options and help you through the application process as well.
Give us a call at 1-800-429-1097 or email us at support@campuscoverage.com.
15 or 20 minutes with us can save you a lot of money and many head aches. |
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How can you say Campus Coverage has the best rates? |
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Because insurance plans are regulated by the state, nobody can offer you a better (or worse) premium on any particular plan than Campus Coverage.
So if cost isn’t an issue, what should you be looking for as a consumer?
Three things really: Plan selection, customer service and convenience.
Campus Coverage offers the widest selection of health plans and compares them in a format that allows you to see the relative strengths and weaknesses of each of the plans. Furthermore, Campus Coverage allows you to see your school-sponsored plan in comparison to all of your other options so you really can see what makes the most sense for you.
Customer service is where you’ll really notice a difference between Campus Coverage and smaller insurance agencies. We’re always here! You can contact us anytime during business hours by phone, fax, email or live chat. Our licensed professionals are trained to not only understand all of your private health insurance options, but your school-sponsored plan as well. There is no need to set an appointment. We’re always here!
The student lifestyle is hectic and fluid. Most likely you don’t have the time to call around to several insurance agencies and give them all your personal information over the phone then set an appointment and drive to their office. Campus Coverage brings all the information and the office to you! We automate the time consuming aspects of researching and buying health insurance. Get all the information you need (comparisons and all) right from your own home, then apply for the plan of your choice without ever leaving the house, apartment or dorm! We’ll follow up with you to make sure the application gets to the right place and all underwriting questions are answered - you focus on the books. |
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What about Dental? |
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For dental plan quotes, simply repeat the steps you followed for health insurance, but click on the ’dental’ option. |
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What about Maternity coverage? |
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There used to be a number of different options for those looking for maternity coverage. Times have changed. While most plans do cover expenses above and beyond the cost of a "typical delivery" most do not pay any of the initial $3,000 to $5,000 cost of having a baby. There are plans that can give you the coverage you need though, but they require more information from you. The best thing to do is call or email us and speak with any of our licensed agents and they will explain your options and send you anything you need activate the coverage. |
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Why is health insurance so expensive? |
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This is a difficult question to answer in a Q and A section because there are so many different factors that are causing insurance premiums, and health care costs in general, to rise. Among these are the rise in hospital costs and physician fees. Another major reason is that we are using insurance more and more. Frequently, insurance plans cover the cost of a doctor visit with you as the consumer paying only a flat fee of $15, $20 or $25 per visit. When most plans had a true deductible - meaning the consumer had to pay everything until a certain limit was reached (say $250, $500, etc.) - we were more likely to postpone or avoid "precautionary measures" such as seeing a doctor about a minor pain or cold.
That being said, the only thing worse than paying high premiums is paying the cost of decent healthcare without having insurance.
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What is a co-payment? |
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A copayment is a fixed dollar amount or a percentage that you pay for each visit/service. For example, with some plans you may pay a fixed amount such as $5 or $10 per visit. Other plans will charge you a percentage of the total fee for the visit. So if your copayment is 10% and the doctor visit was $200, you would pay 10% which, in this case, would be $20.
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What is a deductible? |
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A deductible is the amount of annual medical expenses that a health plan member must pay before the plan will begin to cover expenses. For example, if your plan has a $500 deductible, you will pay the first $500 of your medical expenses before your health plan begins paying the expenses. Only expenses for covered services apply towards the deductible. For example, if you paid $100 for a visit to a chiropractor but the plan does not consider chiropractic care a covered expense, then the $100 will not apply toward your annual deductible. |
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What is the difference between an in-network and an out-of-network medical provider? |
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An in-network medical provider is within the approved network of providers for a particular health plan. Out-of-network providers are not on the list. If you visit a doctor within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network doctor. In many cases, the insurance company will not pay anything for services you receive from outside their network; however, there are exceptions to this. As a general rule, HMOs tend to have smaller provider networks than PPOs. In HMO and PPO plans, referrals to specialists will be to doctors within the network. Indemnity plans typically do not have networks; you go to whatever doctor you want.
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What are my options for making my first payment? |
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Most plans require that a deposit accompany your application. You can pay this deposit to the health insurance company you have selected by credit card or check when you send in your application. If you are not approved for coverage by that company, your money will be refunded by the insurance company. Once accepted as a plan member, all bills will be sent from the health insurance company and you will pay them via the choices offered by that company. |
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Can I buy health insurance for less if I buy directly from the insurance company? |
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No. Insurance companies charge the same premium whether the plan is purchased directly from the company, through a broker, or online through CampusCoverage.com. |
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What do I do if I want to buy my school’s plan? |
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What if my application is declined? |
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I’m having problems printing the application. |
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If you have the most recent version of Adobe Reader and are having difficulties seeing/printing the application, please contact us. We can usually resolve the issue and get you the application you need. As a last resort, we can send you an application by mail or email. |
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