American Student Health Insurance Answers to FAQ

The Student select medical insurance plan works for students in all of the following circumstances:

• No longer covered as a dependant under your parent's plan
• Attending school outside an HMO or PPO region
• Required to have coverage but choose not to participate in a college-sponsored plan
• Finding a traditional individual medical or other current coverage to be too expensive

Some of the plans that we offer can be renewed for a couple of years and one even up to 5 years (Inbound Immigrant). The insurance companies have different PPO networks. The following webpage on our website displays the PPO networks of all the companies :PPO Network. Click on the PPO button to view the details.

No. You are under no obligation to buy a health insurance plan when getting a quote from this web site. After submitting your application you may cancel it at any time.

The answer depends on your specific circumstances. The following are some factors that might influence you to buy separate student insurance:

Your child is nearing the age at which he or she can no longer be covered under your plan. This is usually around the age of 24 years however do check with your insurance company to find out the specific age limits for your current policy.

The cost savings of removing your child from your insurance plan is greater than the cost of the separate Student insurance plan. To determine if this is the case, get a quote on this website for a Student plan for your child, and then compare that to the cost savings of removing your child from your standard medical plan (you may need to contact your insurance company to determine this amount).

The HMO or PPO network for your insurance plan does not have physician or hospital coverage in the area around your child's college.

You might not want a separate Student plan if your child has a pre-existing medical ailment. In most cases, expenses relating to pre-existing conditions will not be covered by the Student plan until the policy has been in effect for 12 months.

Students till the age of 30 are eligible to purchase the Student select health insurance plan.The student eligibility requirements are as follows. An eligible undergraduate student is defined as a person carrying at least nine credit hours. If your university follows the quarterly system, please state it in your application along with showing your satisfying the requirements for full-time student status.

An eligible graduate student must meet the graduate student guidelines of the college or university for full-time student status.