FAQ for American Student Health Insurance - Using the insurance
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Are there any network of hospital limitations?
No. You can visit any doctor or hospital you like as the Student Select plan offered by Assurant Health is not an HMO or PPO plan. No referral is needed and no penalty is incurred for out-of-network service.
Do I need authorization for using the healthcare services?
Yes. The Assurant Health insurance company uses an authorization service. This ensures that you receive the relevant and cost effective care available. Trained personnel with work with you and the doctors to review the course of treatment and advise you of your eligibility for benefits. The identification card you receive with your student select policy provides a toll-free number for easy access to this service.
Does the student insurance provide coverage throughout the year, or is it only during the school term?
The student insurance provides coverage throughout the year, not just when the school is in session. If you leave school, your coverage continues for the remainder of the policy year. This insurance can also be renewed.
Will I be covered when I go out of state?
The student insurance plan can move with you anywhere in the United States and Canada.
What happens if I transfer schools?
The student coverage is not tied to any one school and will move with you if you transfer schools.
Will I lose coverage when I graduate or if I leave school?
No you will not lose coverage as long as you attended school full-time for 31 days after the policy effective date. The Student policy stays with you as long as you need it.
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