Student Health Insurance Q&A

The earliest that your coverage can begin is the day following the U.S. Postal Service postmark, if all other eligibility criteria have been met. (If the envelope containing your application is not postmarked by the U.S. Post Office of if the postmark is not legible, coverage will begin the later of a) your requested date or b) two days prior to the date the application is received by Fortis Health.) Dates of the 29th, 30th, and 31st are not available.

Coverage will take effect provided the following conditions are met: Your completed application and full premium payment are received and you meet the requirement for acceptance.

The student health insurance policy is renewable as long as you need it…and, of course, as long as the premiums are paid. This is important after graduation while looking for a job.

Most eligibility determinations are made within 3 days or receipt. The identification card and contract will be sent to the "correspondence address" within the next couple days. (Note: if you are required to provide proof of insurance to your school, please submit the application at least three weeks before proof of coverage is needed).

No, your student health insurance policy stays with you for as long as you need it and, of course, as long as premiums are paid.

No, not as long as:

1. You met the definition of an eligible student on the date the application was signed.
   
2. You attended school full-time for 31 days after the policy effective date.
   
3. The premium is paid in full.

You must have a home address in Colorado, or be attending school in Colorado. 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. Please check with your college or university to see if the school is listed in the Higher Education Directory.

Yes, as long as you meet the eligible student status requirement defined above.

The student health insurance plan is designed for individual college students only and does not cover spouses and/or dependents. It does comply with Colorado requirements for newborn coverage.

You can apply as soon as you are enrolled to be an eligible student.

Prescribed drugs are covered if you are hospitalized as an inpatient. Since outpatient drugs are provided through most university health centers, they are not a covered benefit with this student health insurance plan. This helps keep the rates so affordable.