What You Need To Apply

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What You Need To Apply

For Each Person Applying, Have @ Your Fingertips: (Questions, call us at 770.751.6460)

1. Name
2. A legal address for the state in which you are applying for insurance
3. An email address
4. Social Security number
5. Date of birth
6. Whether or not the person uses tobacco
7. Height and weight (even for young children or infants--seems kinda silly, but they need it)
8. The names and doseages of any medications taken in the last 5 years (sometimes 10 years) plus the name, address, and phone number of the prescribing physician. (If you have the name and an approximate address, we can often find the exact address and phone number for you)
9. A list of any hospitalizations or surgeries in the past 10 years. When they were (at least approximately), where they were, what they were for, what the treatment was, and how much you recovered. For example, Jane Smith was in St. Joseph's Hospital in Atlanta on 2/14/20010 for a broken leg due to a rock climbing accident. Her treatment was surgery, and she recovered 100%
10. A mastercard or visa for the first month's premium or your checkbook (varies by insurance carrier)

(Some) Small Print

1. You must apply in ADVANCE of your effective date. Underwriting your application could take 3 days or 3 weeks, depending on your health history. APPLY EARLY--YOU'LL BE MUCH HAPPIER.

2. Effective Dates Are:
      Aetna--the 1st and 15th of the month
      BCBS Georgia -- any day of the month, but no sooner than the day after you apply
      CIGNA--the 1st and 15th of the month
      Coventry -- any day of the month, but no sooner than the day after you apply
      Humana -- any day of the month, but no sooner than the day after you apply
      Kaiser Permanente -- the 1st of the month
      United HealthOne - any day of the month, but no sooner than the day after your apply.

If you do not have a previous health insurance plan most carriers will require you to take an effective date anywhere from 10 to 40 days out. If this is the case, look at applying for a Short Term Policy with BCBSGA or Humana.

3. All plans have a 12 month exclusion period for pre-existing conditions, except for Kaiser Permanente which has no pre-existing exclusion period.

The Pre-Ex exclusion means that benefits will not be paid for treatment for conditions that existed prior to the effective date of your policy. Aetna waives this exclusion if you had 12 months of previous creditable coverage and a gap between policies of no more than 63 days. If you put a condition on your application and are approved with either CoventryOne or Humana, and that condition is not excluded by a rider, it will not be excluded for Pre-Ex.

4. Acceptance is not guaranteed. Do NOT cancel your current insurance until accepted by the insurance company. No agent or broker, including us, can waive this provision.

5. Apply online via the Home page. For Aetna you can apply on line or use a paper app; most people find the paper app better. CoventryOne only uses paper applications. FAX ALL APPLICATIONS TO US AT 678.868.1892. If we do not confirm to you that we've recieved it, figure we didn't.

6. Each plan provides benefits using a network of providers. PPO and POS plans (there are no apparent differences to you between the two except that POS plans are less expensive) offer benefits, although significantly reduced, for out of network providers.

7. If maternity coverage is available and you purchase it, there is a separate 12 month waiting period and benefits are different from the other benefits of the policy.

8. Many carriers use 5-year age bands to rate premiums. so what happens when you change age bands (e.g., 20-24, 25-29, 30-34, etc.) you'll get a bigger bump than normal. Most carriers offer a first 12 month rate guarantee (BCBS Georgia does not). We do not always see your renewals so if we have not contacted you when you get a renewal, please send and email to Info@StudentInsuranceStore.com.

9. Most plans run on a Calendar Year basis for deductibles, etc., except for CoventryOne which runs on a Benefit Year.

10. PLEASE SEE THE INSURANCE CARRIER BROCHURES AND POLICIES FOR ALL EXCLUSIONS AND BENEFIT DETAILS. WHAT IS PROVIDED HERE ARE SOME, BUT NOT ALL, DETAILS, AND WHAT IS PROVIDED HERE IS WATERED DOWN.

11. Be safe and enjoy life. Insure your health so you can get the most out of every day. We thank your for purchasing your insurance through us!

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