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Our licensed insurance agents and knowledgeable representatives are ready to help you. Just call 800-872-1458 Mon - Fri, 6AM-9PM PT.




Email Us

Click here to send us an email. One of our knowledgeable customer care representatives will reply to you soon. Please note that our licensed health insurance agents can discuss insurance plan benefits and rates only by phone.




Chat Online with Us

Click here for a real-time, online chat session with one of our knowledgeable customer care representatives. Our chat option is available 24 hours a day, 7 days a week, excluding holidays. Please note that insurance plan benefits and rates can be discussed only by phone with one of our licensed health insurance agents.

Call Us
Our licensed insurance agents and knowledgeable representatives are ready to help you. Just call 800-872-1458 Mon - Fri, 6AM-5PM PT.


Email Us
Click here to send us an email. One of our knowledgeable customer care representatives will reply to you soon. Please note that our licensed health insurance agents can discuss insurance plan benefits and rates only by phone.

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If you started an application for a health insurance plan but didn't complete it, you may complete it through the My Account link on our site. To access your account, click on the My Account link and sign in using your email address and password. Follow the instructions provided there to complete your application.

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You may check the status of your application at any time through the My Account link. In order to access your account from our site, just click on the My Account link and sign in using your email address and password.

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No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number, bank account information, or a check for the initial premium payment. Most insurance companies will not charge your card, debit your account, or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund to you.

A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.

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Shopping with us is simple. After entering your zip code and some basic information about yourself, your family or your business, you'll be provided with a list of health insurance plans available in your area. You may refine these results or sort and organize them in various ways. You'll also have the opportunity to select several of them at a time to make more detailed plan comparisons. Once you've selected a plan, you'll fill out an application, providing more information about yourself, your family or your employees, and about your health history. Once your application is complete, HealthCoverageQuotes.com will work with the health insurance company to help you receive a quick coverage determination.

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Health insurance premiums are filed with and regulated by your state's Department of Insurance. Whether you buy from HealthCoverageQuotes.com, your local agent, or directly from the health insurance company, you'll pay the same monthly premium for the same plan. This means that you can enjoy the advantages and convenience of shopping and purchasing your health insurance plan through HealthCoverageQuotes.com and rest assured that you're getting the best available price.

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All the services offered by HealthCoverageQuotes.com are provided at no extra cost to you, the consumer. If you buy a health insurance plan through HealthCoverageQuotes.com, you'll pay the regular monthly premium to the health insurance company you chose, but you'll pay nothing to us. Our fees are paid by the insurance companies in the form of commissions, which are built into the premium amount.

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• Individual and Family Health Insurance. Singles and families should take a look at our individual and family health insurance plans. If you don't get your health insurance coverage through an employer, an individual and family health insurance plan is your standard, private market option.
• Small Business Health Insurance. We offer group health insurance plans for small businesses and organizations (2-50 employees).
• Short-Term Health Insurance. If you're in need of temporary coverage, you'll want to take a look at our short-term health insurance plans. Obtaining short-term coverage is quick and easy and though it's not a long-term solution, short-term coverage can protect you while you're between jobs or after you graduate from college.
• Student Health Insurance. Full-time college students and their parents will want to explore our student health plan options for valuable protection and savings.
• Dental Insurance. We provide dental insurance options priced to fit most budgets.
• Health Savings Accounts. At eHealthInsurance you'll also find Health Savings Accounts (HSAs) and HSA-eligible health insurance plans. Our website is one of the premier sources for HSA information and products online.

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eHealthInsurance is a licensed health insurance agency and the leading online source for individuals, families and small businesses purchasing health insurance. We have insured over 800,000 customers nationwide. We offer a broad selection of health insurance plans from many of the nation's leading health insurance companies, and deliver a customer experience that can't be beat. Thanks to our innovative website, simple online tools, and the knowledgeable representatives and licensed health insurance agents that staff our customer care center, you'll discover that health insurance can be attainable and affordable.

Our website empowers individuals, families and small businesses by offering convenient access to affordable insurance plans and information to make the right choice in purchasing health insurance. After providing your zip code and some basic information about yourself, your family or your business, you'll receive free quotes, compare plans side by side, and apply for coverage online. Whenever you have a question or need personal assistance, you can contact one of our licensed health insurance agents for the answers and unbiased advice you need to make the most of your insurance dollars.

Once you've submitted your application for coverage, we'll work with the health insurance company you've selected to expedite the approval process. Even after you purchase a health insurance plan, we'll continue to address your questions and concerns, to serve as your advocate with the health insurance company, and to help you with all your future health insurance needs. At eHealthInsurance you've found your health insurance solution.

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Some dental health insurance providers (such as Delta Dental and Aetna) only provide dental coverage to businesses or groups, rather than to individuals and families.

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An in-network dentist is one contracted with the dental insurance company to provide services to plan members for specific pre-negotiated rates. An out-of-network dentist is not contracted with the insurance company. Typically, if you visit a dentist within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network dentist. Though there are some exceptions, in many cases, the insurance company will either pay less or not pay anything for services you receive from non-network dentists.

As a general rule, Dental PPO (and other managed care) plans utilize provider networks. Dental Indemnity plans typically do not utilize a network of providers.

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When getting quotes for your child(ren) only, enter the child's gender and birth date in the "Applicant" or first row. Additional children should be entered below in the "Child" rows, but not the "Spouse" row.

However, many health insurance companies require one policy per child. So if you have more than one child, try entering just one child to see a larger selection of plans and prices. You are free to apply for each child separately.

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Dental Indemnity plan is commonly known as a fee-for-service or traditional plan. If you select an Indemnity plan you'll likely have the freedom to visit any dentist you wish. You typically will not be required to obtain referrals; however, some plans may require you to obtain preauthorization for certain procedures. Most Dental Indemnity plans require you to pay a deductible. After you have paid your deductible, Indemnity policies typically pay a percentage of "usual, customary and reasonable (UCR) rates" for covered services. For instance, the insurance company may pay 80% and you may be required to cover the remaining 20% of the UCR.

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Dental PPO (Preferred Provider Organization) plans are perhaps the most common type of managed care dental insurance plans. Most Dental PPO plans require you to pay a deductible. With a Dental PPO plan the patient typically obtains care through a network of dental providers who agree to serve the plan's members at reduced rates. When you use a network provider, you will typically pay a certain percentage (e.g. 20%) of the reduced rate, and the insurance company will pay the remaining percentage (e.g. 80%).

As a member of a Dental PPO plan, you may use dentists outside of the Dental PPO plan network, but you will typically only be reimbursed based on the amount that a network dentist would have accepted as payment in full. The rest of the total charges will be considered the patient's responsibility.

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Like health insurance plans, dental insurance plans are usually categorized as either Indemnity or managed-care plans (Dental PPO plans fit in this latter category). Put broadly, the major differences concern choice of dental care providers, out-of-pocket costs and how bills are paid. Typically, Indemnity plans offer a broader selection of dental care providers than managed-care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your insurance company).

Managed-care plans typically maintain dental provider networks. Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a managed-care dental plan and a broader choice of dentists with an Indemnity plan.

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Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.

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Ask the provider to call the provider service number listed on your Discount Card. We recommend that you confirm your provider's acceptance of the Discount Card at the time you make your appointment.

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Take a look at the online provider directory by clicking the "Find Provider" link. You'll be able to search for dentists, and see if your favorite is part of the network of participating dentists.

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No. Discount Card preferred rates will vary depending on the provider, type of healthcare service, and your geographic area.

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There are no card transaction or usage fees. You just pay your monthly membership fee to continue using your Discount Card as often as you like.

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As often as you like. There are no restrictions on how frequently you use your card.

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Your membership will become active as soon as you receive your discount card in the mail. Depending on the company, this may be one to two weeks after completion of the application.

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Discounts may vary across company and provider, but here are some examples of how much you can save on dental care by obtaining a Discount Card.

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No. Discount Cards are not health insurance policies. They are strictly discount programs that give you and your family preferred rates from selected health care providers. However, Discount Cards may provide you with a valuable, inexpensive alternative or supplement to a standard health insurance plan.

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Discount Cards provide you with a great way to save money on your dental, vision, and/or chiropractic needs. Depending on your Discount Card company, you can enjoy discounts of up to 60% with a national network of leading service providers.

Getting your Discount card is easy. Simply fill out an application and you will receive your card in the mail soon after.

When it's time to use your card, simply locate a service provider in the network, present your card to the provider at the time of service and get instant discounts.

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You can make a one-time distribution from an IRA to fund your HSA, provided it doesn't exceed HSA contribution limits. Employees have the opportunity for a one-time, tax-free transfer of funds from their flexible spending account (FSA) or health reimbursement arrangement (HSA) to their HSA.

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No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number, bank account information, or a check for the initial premium payment. Most insurance companies will not charge your card, debit your account, or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund to you.

A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.

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In most cases, when you complete your application you'll provide a credit card number or a check written to the health insurance company for the first premium payment. Typically, your credit card will not be charged nor will your check be cashed until you are approved for coverage. If you are not approved for coverage, or if you cancel your application, your card will not be charged and any check payment you made will be returned or refunded.

Once you've been approved for coverage, your ongoing premium payments are paid to your health insurance company typically on a monthly or quarterly basis. Insurance companies typically offer several payment options including monthly billings to be paid by check or credit card, automatic bank drafts or automated credit card charges. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment.

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When getting quotes for your child(ren) only, enter the child's gender and birth date in the "Applicant" or first row. Additional children should be entered below in the "Child" rows, but not the "Spouse" row.

However, many health insurance companies require one policy per child. So if you have more than one child, try entering just one child to see a larger selection of plans and prices. You are free to apply for each child separately.

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You can request that your Individual and Family health insurance plan start anytime between 1 and 90 days in the future. However, the insurance companies will typically need some time to process your application so keep in mind that the actual date for the start of your coverage may vary depending on the underwriting process and the availability of your medical records. (Underwriters will receive your application much faster if you "eSign" your application.)

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An in-network provider is one contracted with the health insurance company to provide services to plan members for specific pre-negotiated rates. An out-of-network provider is one not contracted with the health insurance plan. Typically, if you visit a physician or other provider within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network provider. Though there are some exceptions, in many cases, the insurance company will either pay less or not pay anything for services you receive from out-of-network providers.

As a general rule, PPO, POS, and HMO plans make use of provider networks. Indemnity plans typically do not.

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Coinsurance is the term used by health insurance companies to refer to the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. For example, if your health insurance plan has a 20% coinsurance requirement (and does not have any additional co-payment or deductible requirements), then a $100 medical bill would cost you $20, and the insurance company would pay the remaining $80.

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A "deductible" is a specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims. Not all health insurance plans require a deductible. As a general rule (though there are many exceptions), HMO plans typically do not require a deductible, while most Indemnity and PPO plans do.

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A "co-payment" or "co-pay" is a specific charge that your health insurance plan may require that you pay for a specific medical service or supply. For example, your health insurance plan may require a $15 co-payment for an office visit or brand-name prescription drug, after which the insurance company often pays the remainder of the charges.

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A traditional Indemnity plan offers a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork.

Under an Indemnity plan, you may see whatever doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician.

However, this kind of freedom will cost you. You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for any given service.

An Indemnity plan may also require that you pay up front for services and then submit a claim to the insurance company for reimbursement.

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A POS (Point of Service) plan combines some of the features offered by HMO and PPO plans. As with an HMO, members of a POS plan are required to choose a primary care physician (PCP) from the plan's network of providers. Services rendered by your PCP are typically not subject to a deductible. Also, like HMOs, POS plans typically offer coverage for preventive care visits.

Typically, however, you will only receive a higher level of coverage for services rendered or referred by your PCP. Services rendered by a non-network provider may be subject to a deductible and will likely be covered at a lower level. If services are rendered outside of the network, you'll likely have to pay up-front and submit a claim to the insurance company yourself.

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Though there are many variations, HMO (Health Maintenance Organizations) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in the choice of physicians or hospital than other health insurance plans. As a member of an HMO, you'll be required to choose a primary care physician (PCP). Your PCP will take care of most of your healthcare needs. Before you can see a specialist, you'll need to obtain a referral from your PCP.

With an HMO you'll likely have coverage for a broader range of preventive healthcare services than you would through another type of plan. You may not be required to pay a deductible before coverage starts and your co-payments will likely be minimal. With an HMO plan, you typically won't have to submit any of your own claims to the insurance company. However, keep in mind that you'll likely have no coverage whatsoever for services rendered by non-network providers or for services rendered without a proper referral from your PCP.

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As a member of a PPO (Preferred Provider Organization) plan, you'll be encouraged to use the insurance company's network of preferred doctors and hospitals. These healthcare providers have been contracted to provide services to the health insurance plan's members at a discounted rate. You typically won't be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.

You will probably have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a co-payment for certain services or be required to cover a certain percentage of the total charges for your medical bills.

With a PPO plan, services rendered by an out-of-network physician are typically covered at a lower percentage than services rendered by a network physician.

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Individual and family health insurance plans are usually described as either "indemnity" or "managed-care" plans. Put broadly, the major differences concern choice of healthcare providers, out-of-pocket costs and how bills are paid. Typically, indemnity plans offer a broader selection of healthcare providers than managed care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your health insurance company).

There are several different types of managed-care health insurance plans. These include HMO, PPO, and POS plans. Managed-care plans typically make use of healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.

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Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and afford ability of the individual and family health insurance options available.

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If you recently lost health insurance coverage through an employer, purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue, individual health insurance plans commonly referred to as HIPAA plans. Oftentimes, HIPAA plans are quite expensive but may be appropriate for those whose pre-existing conditions make it difficult to obtain health insurance in the private market. Therefore, if you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term health insurance plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

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Once you receive written confirmation that the health insurance company you selected approved your application for a standard longer-term health insurance policy, you should contact the insurance company that issued your short-term health insurance plan and cancel the short-term policy.

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When getting quotes for your child(ren) only, enter the child's gender and birth date in the "Applicant" or first row. Additional children should be entered below in the "Child" rows, but not the "Spouse" row.

However, many health insurance companies require one policy per child. So if you have more than one child, try entering just one child to see a larger selection of plans and prices. You are free to apply for each child separately.

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No. Short-term health insurance plans are designed to protect you in the event of an unexpected illness or injury and are not intended to cover dental and vision care. Short-term health insurance plans are for temporary coverage only and therefore do not include some of the benefits offered by standard, longer-term heath insurance plans.

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No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number or a check for the first premium payment. Most insurance companies will not charge your card or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund.

A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.

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No. If you choose to use a credit card, your card will only be charged if you qualify for short-term coverage. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment.

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In most cases, as soon as you complete your application, we will be able to let you know if you do not qualify for short-term coverage.

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Coverage for many short-term health insurance plans can start as soon as 24 hours after the application is submitted. In order for coverage to start promptly, you can make your first premium payment by supplying a valid credit card number with your application. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment.

If you would prefer to have your coverage start later, you can select a date up to 30 days in the future.

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At the end of your coverage term, most health insurance companies will allow you to re-apply for another short-term plan. These plans do not typically constitute an automatic continuation of your first plan. Many short-term health insurance plans only allow you to re-apply once.

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If you're between jobs, waiting for coverage from another health insurance plan to start, laid off, on strike, a recent college graduate or seasonal employee and know that you only need coverage for a specific period of time, short-term health insurance may be a great option for you.

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Short-term health insurance plans provide you with coverage for a limited period of time, and may be an ideal solution for those between jobs or those waiting for other health insurance to start. Typically, short-term plans offer coverage up to six months, although some plans may offer coverage up to 12 months. If you think you'll need coverage for a longer period of time, you may want to look at a standard, longer-term health insurance option like our individual and family health insurance plans.

The application process for short-term health insurance is usually simpler than standard, longer-term health insurance. Short-term health insurance plans are designed to protect against unforeseen accidents or illnesses, rather than to provide comprehensive coverage, and, as such, typically do not include coverage for preventive care, physicals, immunizations, dental or vision care.

Purchasing a short-term medical insurance plan will make you ineligible for any guaranteed issue individual health plans commonly referred to as HIPAA Plans. HIPAA plans are usually very expensive and are generally intended for people with pre-existing medical conditions who would have trouble getting health insurance otherwise. If you wish to maintain your eligibility for HIPAA plans, you should not purchase a short-term plan. Please consult your benefits advisor to discuss your rights under the Health Insurance Portability and Accountability Act (HIPAA) and other rights under state law.

Short-term health insurance plans typically do not cover pre-existing medical conditions. The definition of a pre-existing condition varies by state, but, in general, short-term health insurance policies exclude coverage for conditions that have been diagnosed or treated within the previous 3 to 5 years. If you have an existing medical condition, you may want to research whether you can extend your current insurance. Employer-sponsored insurance can be extended under a government-regulated option commonly referred to as COBRA, which you should seriously consider if you have an existing medical condition.

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Since the cost of medical care varies from area to area, health insurance rates also vary from area to area. This variance is due to the general cost level of the area, differences in medical practices, the degree of specialization of services and the amount of competition in the area. Most small group plans vary rates by ZIP code. The employer's business address is normally used to determine rates.

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Term life insurance is sometimes offered as a benefit rider available when you buy a group health insurance plan.

Term life insurance is a type of life insurance that has become very popular in recent years. Term life insurance provides protection for a specific period of time, typically 5, 10, 15, 20, 25 or 30 years (this is called the coverage term). The person to be insured selects the coverage term, and a death benefit is paid to the beneficiary if the insured dies within the specified period. Term life insurance works well for people who need coverage for a specific period of time; for example, when a child is born a parent may take out a 20 or 25-year term life policy to ensure that in the event of their death, the child will be provided for through his or her college years.

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Small group health insurance companies use a Risk Adjustment Factor (RAF) to assess and issue a group's monthly insurance premium. In California, for example, all small group health insurance companies must establish and publish a Standard Rate with the State of California. Standard Rates have a RAF of 1.00. By California law, a health insurance company is limited to issuing a small group employer (generally 2-50 employees) a rate no more than 10% below (0.90 RAF) or 10% above (1.10 RAF) their Standard Rate. Group size, pre-existing medical conditions and the number of COBRA enrollees may affect a group's RAF in California. Outside of California, RAFs vary by health insurance company. If you have any questions regarding your rate or RAF, please feel free to contact our Customer Care Center Mon - Fri, 6AM-5PM PT at 800-872-1458 or via email.

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Benefit riders are add-on insurance policies that cover health-related services that are not typically covered by your health insurance plan. Dental services, for example, are not typically covered under a health insurance plan but are available at an additional charge as a benefit rider. Usually, benefit riders are only available when you buy a group health insurance plan. If you are interested in purchasing a dental, vision, life insurance, or chiropractic plan as a separate plan, please contact our Customer Care center at 800-872-1458 or via email.

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Group health insurance plans are categorized as either indemnity plans (also known as "traditional indemnity," "fee-for-service," or "FFS" plans) or managed care plans. Indemnity and managed care plans differ in their basic approach. Put broadly, the major differences concern choice of providers, out-of-pocket costs for covered services, and how bills are paid. You will typically have a broader choice of doctors (including specialists, such as cardiologists and surgeons), hospitals, and other health care providers with an indemnity plan while you will typically have less out-of-pocket costs and paperwork with a managed care plan.

Indemnity plans once dominated the American health insurance market, but are no longer as popular as they used to be. They are most common on the east coast. Managed care plans now take up a much larger share of the general health insurance market and are especially dominant in the western parts of the country. There are three basic types of managed care plans: PPOs, HMOs, and POS plans.

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Significant tax advantages may be available to employers who offer group health insurance coverage to their employees. Employers can generally deduct 100% of the health insurance premiums they pay on qualifying group health plans. Providing health insurance coverage to employees as part of a total compensation package may also result in reduced payroll taxes for employers. Additionally, when the employer offers group health coverage, it's possible for an employee's share of the premium to be paid with pre-tax dollars, resulting in tax savings for the employee. Check with your accountant or tax adviser for specific tax benefits for your business and employees.

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Typically, an employer is required to cover 50% of the employee's monthly premium. In these cases, the employee covers the remainder of his or her own premium and then covers the full premium for any of his or her dependents. Minimum employer contribution levels may differ from state to state and from one insurance company to the next. Also, some employers opt to cover a higher percentage of the employee's monthly premium and sometimes a portion of the premium costs for an employee's dependents.

During the application process, you'll be able to indicate how much of your employees' (and their dependents') monthly premiums you would like to cover.

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It's no secret that employees value health insurance benefits. Surveys have shown that workers value health insurance coverage second only to monetary compensation. By offering group health insurance benefits to your employees, you may find it easier to hire and retain the best workers for your company.

As a business owner, you may not have health insurance coverage yourself. Perhaps you've considered shopping for an individual health insurance plan for yourself and your family, but did you know that by obtaining insurance through a company, you may get better rates than through the individual market?

Additionally, there are various tax incentives available to you and your employees when you participate in a group health insurance plan. For example, businesses can generally deduct 100% of the premiums they pay on qualifying group health plans and, by offering group health insurance as part of a total compensation package, you may be able to reduce payroll taxes. Plus, your employees can pay their portion of the monthly insurance premium with pre-tax dollars. Make sure that you take these incentives into consideration when determining the affordability of a health insurance plan for you and your employees.

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Student health insurance is renewable as long as you need it. Whereas most college plans only cover you until you graduate or very shortly thereafter, the Student plans offered on our site can be renewed as long as they're needed... as long as your premiums are paid.

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You can apply as soon as you are enrolled as an eligible student. But, keep in mind the full premium must be paid with the application. The policy will be sent out as soon as it is issued. We would prefer that the application not be completed more than 60 days prior to the requested effective date.

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No, provided that you attended school full-time for 31 days after the policy effective date, your Student policy stays with you for as long as you need it and, of course, as long as premiums are paid.

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If you need to transfer schools, your Student coverage moves with you. Student coverage is not tied to any one school. There's no need to change coverage or re-apply. In fact, you're covered when traveling anywhere in the United States, its possessions, or Canada.

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A Student insurance plan travels with you anywhere in the United States, its possessions, and Canada. And, although it does not cover you in a foreign country, a Student plan does cover you for an emergency medical evacuation to the home country or a facility operating within its laws.

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With a Student insurance plan you're covered year-round, not just during the school term. And, if for some reason, you have to leave school, your coverage stays with you for the remainder of the policy year... and then it's guaranteed renewable.

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The Student insurance plans are designed for individual college students only and do not cover spouses and/or dependents. Student plans do, however, comply with any state requirements for the coverage of newborns.

If you have a spouse who is also a full-time college student, a separate application can be submitted for that person.

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Yes, as long as you are attending school in the United States and meet the eligible student requirements defined above.

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No. You are under no obligation to buy a health insurance plan when using our site. After submitting your application you may cancel it at any time during the underwriting process. When you submit an application you will typically include your credit card number or a check for the first premium payment. Most insurance companies will not charge your card or deposit your check until you are approved. If you are charged or your check is cashed and you are denied for coverage or cancel your application prior to approval, the insurance company will issue a refund.

A few insurance companies may charge an application fee. You will be notified in the application if the plan you chose requires an application fee. Please note that these fees are non-refundable.

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You must be an eligible college student between the ages of 17 to 29 to purchase a Student health insurance plan.

An eligible undergraduate student is defined as a person carrying at least nine credit hours. An eligible graduate student must meet the graduate student guidelines of the college or university for full-time student status. Students must attend a state-accredited college or university in the United States.

NOTE: Some schools operate on a quarterly schedule where full-time undergraduate status is considered to be six to eight credits per term. If this is the case, you should tell us in writing (attached to the application) that you are attending a school with a quarterly class schedule and are meeting the school's definition of full-time status.

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Since a Student health plan (e.g. a Student Select plan offered by Fortis Health) is not an HMO or PPO plan, you can visit the doctor or hospital of your choice. No referrals are needed, no out-of-network penalties are incurred ... the choice is yours!

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