Smith & Associates

Affordable Health Solutions Designed for Students, Faculty & Colleges

Product	Underwriter	Eligiblity	Restrictions	Restricted states	Product Description	Options	Total Maximum benefit available	How to apply?	Comments	Pre-Existing Conditions?
Student Security Plan	Transamerica Life Insurance Company	Full or Part-time students	International Students	AK, CA, CT, FL, HI, ME, MA, NH, NJ, NY, ND, RI, SD, VT, WA	Limited benefit hospital indemnity insurance w/guarantee issue coverage for basic healthcare services	3 Different Plans	scheduled $ amounts	mail/fax	Schools must sign TAA/Master Policy	12 month waiting period
Major Medical	BC/BS, Humana, UHC, Aetna	Anybody	None	Depends on carrier	Major Medical	Unlimited	No Maximum	mail/fax	Contact us for details	NA
Smith Dental	Madison National Life Insurance Co.	Anybody	none	States smith not licensed	Preventive, diagnostic, basic & major dental services	3 Different Plans	$500, $1,000 or $1250	online	orthocare availbable	waiting period on certain procedures
Overseas Travel Medical Plan	United States Fire Insurance Company	Anbody travelling In or Outbound	Restricted Countries	CT, HI, IN, ME, MA, NH, ND, NY, VT	Short-term medical protection for individuals traveling overseas	Different deductibles available	$50K -$1,000,000 Med Evac $100,000 Repatriation $20,000	online	Mexico & African Countries not eligible	36 month pre-x
Collegiate Sports Med STM	Starr Indemnity & Liability Company	Students 18-64 years old	None	AK, CT, HI, ID, KS, MA,ME, MD, MN, NC, ND, NH, NJ, NY, RI, UT, VT	Short-term coverage while participating in any college sport, as well as sickness & accident coverage	Different deductibles available	up to $750,000	online	covers sicknesses & other accidents as well	up to 5 years depending on the state
Med Plus Short Term Medical	Starr Indemnity & Liability Company	Anybody	can only sign up for 3-6 mos. At a time, will always have a one day lapse between years	CT, HI, ID, KS, MA, MD, ME, MN, NC, ND, NH, NJ, NY, RI, UT, VT	Major medical plan ideal for individuals that need short term coverage.	Different deductibles available	$2,000,000 Life time Maximum per overed Person	online	No preventative care, mental health, maternity, chiropractic medical questions asked, major medical	up to 5 years depending on the state
Health Essential	United States Fire Insurance Company	anyone 18-64 years old	no one over 64	AK, CT, KS, MD, ME, MT, NH, OR, RI, WA, VT	Guarantee issue limited medical indemnity insurance	Different deductibles available	$1,000,000 Life time Maximum per overed Person, online	guarantee issue	not major medical	discount benefits, 12 month waiting period
ACSA Student Injury & Sickness Insurance Plan	UnitedHealthcare Insurance Company	domestic students taking 6 or more credit hours	Can't sign up for more than 30 days in advance	MA, NH, NY, NJ, OR, NC, PR, VT, WA	Accident & sickness health insurance plan	Only low option available	$50,000 Maximum Benefit	online	major medical, $350 deductible in network, has $5,000 sports benefit	excluded , but 6 mos.credited if covered no more than 63 days prior
ACSA International Plan	UnitedHealthcare Insurance Company	International Students w/passport or F-1, J-1 or M-1	No permanent residents	MA, NH, NY, NJ, OR, NC, PR, VT, WA	Accident & sickness health insurance plan	Only low option available	$200,000 Maximum Benefit	online	major medical, $250 deductible in network, has $5,000 sports benefit	excluded, but 6 mos. credited if covered no more than 63 days prior
ACSA Study Abroad Plan	UnitedHealthcare Insurance Company	Full time US Students	Can't sign up for more than 30 days in advance	MA, NH, NY, NJ, OR, NC, PR, VT, WA	Accident & sickness health insurance plan	Only low option available	$100,000 Maximum Benefit per accident & sickness	online	Global Emergency Medical Assistance	excluded, but 12 mos.credited if covered no more than 63 days prior
ASCA - New York Plan	UnitedHealthcare Insurance Company	domestic students taking 6 or more credit hours	New York Only	All other States	Injury & sickness -limited benefit Plan	Only low option available	$50,000 Maximum Benefit	online	$350 deductible in network, no major medical	excluded, but 6 mos.credited if covered no more than 63 days prior
ACSA - New York International Plan	UnitedHealthcare Insurance Company	International Students w/passport or F-1, J-1 or M-1	New York Only	All other States	Injury & sickness -limited benefit Plan	Only low option available	$200,000 Lifetime Maximum	online	$250 deductible	excluded, but 6 mos.credited if covered no more than 63 days prior

E.J. Smith, 899 Skokie Blvd.
Northbrook, IL 60062-4024

Phone: (847) 564-3660
Fax: (847) 564-3069