Affinity Health Plans - Our plans begin with your members

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?

With all the things you have to pay for in college, paying for health insurance is probably last on your list. But what's last on your list could be the first thing to put you at serious financial risk.

Go directly to proposal request form

Student Health Insurance for members provides for high cost items such as hospital stays and surgery as well as everyday occurrences like doctor visits.

Feature	Student Select
Policy Maximum	$1 Million Lifetime $100,000 per illness/injury
Plan Deductible This is the annual amount a customer pays before benefits are paid.	Individual: $250, $500, $1,000, $2,500 This is a calendar year deductible
Coinsurance (also referred to as Rate Payment) This is the percentage of covered medical expenses Health pays after the deductible is met.	80% of the next $10,000 in covered expenses Health pays 100% thereafter to $100,000
Prescription Drugs	Only inpatient prescriptions are covered. Cost is subject to deductible and coinsurance. There is no copayment and no prescription card is issued.
Office Visits	Subject to deductible and coinsurance
Wellness Benefit	Not covered except where state mandated
Hospital Room and Board	Semi-private rate, subject to deductible and coinsurance
Intensive Care	Subject to deductible and coinsurance
In and Outpatient Surgery	Subject to deductible and coinsurance
Lab and X-ray	Subject to deductible and coinsurance
Substance Abuse, Mental/Nervous Disorders	Not covered except where state mandated
Medical Evacuation	Coverage is up to $10,000 per lifetime when medically necessary after illness or injury resulting in hospital admission. Evacuation will be to home country or to a facility operating within the laws and standards of home country. (Not available in all states)
Repatriation Benefit	Benefit is $10,000 over and above any other maximum benefit amount. (Not available in all states)
Pregnancy	Normal pregnancy is not covered. Complications of pregnancy are covered but are subject to deductible and coinsurance.
Pre-Existing Conditions	Not covered for the first 12 months
Extension of Benefits	Coverage may be extended up to 12 months if the covered person is confined as an inpatient in a hospital on the date coverage terminates, due to an injury sustained or an illness which commenced while the policy was in force. The extension of benefits provision applies only if the covered person remains confined as an inpatient in a hospital beyond the termination date.

Go directly to proposal request form