Health Plans Overview

E.J. Smith is a recognized national leader of college student health insurance and related benefits offering health insurance, pharmacy, dental, & life products for college students. We also provide insurance plans for faculty, staff, businesses and individuals.

• Indemnity Plan

  Indemnity Plan

  Product Description: Fixed indemnity hospital and surgical insurance plan.
  Comments: This plan is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

  Underwriter: IHC Group Eligiblity: Anybody Restrictions: Restricted States:

  Options: Limited Total Maximum Benefit Available: How To Apply: Online Pre-Existing Conditions:

• International Insurance

  International Insurance

  Product Description: Short-term travel health insurance for individuals traveling outside their home country.
  Comments: Whether you are traveling for business or pleasure, Atlas Travel insurance may be just what you’re looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports.

  Underwriter: HCC Medical Eligiblity: Anybody Restrictions: Restricted States:

  Options: Limited Total Maximum Benefit Available: How To Apply: Online Pre-Existing Conditions:

• Smith Dental

  Get a Smith Dental Plan Quote

• International Student Health Insurance

  Click here for an International Student Health Insurance Quote

  Product Description: Short-term medical protection for individuals traveling overseas
  Comments:  Cuba, Iran, Syria  Countries not eligible

  Underwriter: HCC Life Insurance Company Eligiblity: Anybody travelling In or Outbound Restrictions: Restricted Countries Restricted States: CT, HI, IN, ME, MA, NH, ND, NY, VT

  Options: Different deductibles available Total Maximum Benefit Available:  $500,000 Med Evac $100,000 Repatriation $20,000 How To Apply:  Online  Pre-Existing Conditions: 36 month pre-x

• Collegiate Sports Med STM

  Collegiate Sports Med STM
  Product Description: Short-term coverage while participating in any college sport, as well as sickness & accident coverage
  Comments: Covers sicknesses & other accidents as well

  Underwriter: Madison National Life Insurance Company Eligiblity: Students 18-64 years old Restrictions: None Restricted States: AK, CT, HI, ID, KS, MA,ME, MD, MN, NC, ND, NH, NJ, NY, RI, UT, VT

  Options: Different deductibles available Total Maximum Benefit Available: $3,500 or $6,350 How To Apply: Online Pre-Existing Conditions: Up to 5 years depending on the state

• Short Term Medical Plans

  Short Term Medical Plans
  Product Description: Major medical plan ideal for individuals that need short term coverage.
  Comments: No preventative care, mental health, maternity, chiropractic medical questions asked, major medical

  Underwriter(s):  Multiple Companies Eligiblity:  Anybody Restrictions:  Can only sign up for 6 to 11 month policies.  Can sign for 31 day minimum. Restricted States: CT, HI, ID, MA, ME, NC, ND, NH, NJ, NY, RI, UT, VT, WY

  Options: Different deductibles available Total Maximum Benefit Available: $2,000,000 Life time Maximum per covered Person How To Apply: Online Pre-Existing Conditions: Up to 12 months depending on the state.