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College Student Health Insurance

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.

  • Student Security Plan

    Click here to enroll under The Student Security Plan

    Product Description: Limited benefit hospital indemnity insurance w/guarantee issue coverage for basic healthcare services
    Comments: Schools must sign TAA/Master Policy

    Underwriter: Transamerica Life Insurance Company
    Eligiblity: Full or Part-time students
    Restrictions: International Students
    Restricted States: AK, CA, CT, FL, ID,HI, ME, MA, NH, NJ, NY, ND, OR, RI, SD, VT, WA, WY
    Options: 2 Different Plans
    Total Maximum Benefit Available: scheduled $ amounts
    How To Apply: mail/fax
    Pre-Existing Conditions: 12 month waiting period
  • 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.



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E.J. Smith & Associates

E.J. Smith & Associates, Inc. has a history of providing insurance products for college students across the country since 1956. We have built our foundation on the relationships which have developed with Colleges and Universities, their students and faculty, nationwide.

Learn more about us!

Contact Us

Call and let us prepare personalized coverage for you.

+1 (847) 564-3660
(Mon.-Fri., 9 a.m.- 5 p.m. CT)

You may also e-mail your questions with the form to the right so that one of our representatives may ensure you purchase the best coverage for your situation.

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E.J. Smith, PO box 7216, Libertyville, IL 60048
Phone: (847) 564-3660 Fax: (847) 564-3069
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