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UnitedHealthcare Closely Monitoring Novel Coronavirus (2019-nCoV):

As with any public health issue, United Healthcare will work with and follow all guidance and protocols issued by the U.S. Centers for Disease Control and Prevention (CDC), state and local public health departments regarding Novel Coronavirus/2019-nCoV. Please click the link below to review the United Healthcare Coronavirus information for any questions you may have.

Coronavirus information   UHC Announcement

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Student Medicover is committed to attacking the greatest healthcare challenges for international students – inflated prices, confusing terms, and complicated processes. We are health enthusiasts providing affordable and reliable health insurance, excellent customer service, and authentic healthcare knowledge.

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You will too!

Save money. Stay protected

Protecting students is our top priority and Our plans offer adequate coverage at affordable premiums.

Elite

$129.90/30 DaysUnder 25

  • The most popular plan featuring a coinsurance of 90%, a low deductible and preventative care services.

Prime

$106.20/30 DaysUnder 25

  • Affordable premium, a low deductible, a coinsurance of 80%, and preventative care services.

Choice

$89.70/30 DaysUnder 25

  • The most cost-effective plan featuring preventative care sercives.

Preferred

$73.50/30 DaysUnder 25

  • Stay fully covered for illnesses and pay low premiums and deductibles.

Basic

$57/30 DaysUnder 25or$54/30 DaysUnder 25

  • Best for students looking for an affordable premium and adequate protection against illnesses.

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Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$0 Per Policy Year $100 Per Policy Year $500 Per Policy Year $100 Per Policy Year $100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit No Overall Maximum Dollar Limit No Overall Maximum Dollar Limit $500,000 $500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted 80% except as noted 80% except as noted 80% except as noted 80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year $6350 Per Policy Year $7350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance 100% of Perferred Allowance 100% of Perferred Allowance No Benefits No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
$15 Copay - Tier 1
30% Coinsurance - Tier 2
50% Coinsurance - Tier 3
$15 Copay - Tier 1
30% Coinsurance - Tier 2
50% Coinsurance - Tier 3
$25 Copay - Tier 1
30% Coinsurance - Tier 2
50% Coinsurance - Tier 3
$20 Copay - Tier 1
40% Coinsurance - Tier 2
50% Coinsurance - Tier 3
No Benefits for UHCP

Routine Eye Exam

TBA

Routine Eye Exam
$100 Maximum $100 Maximum

Vision Care Supplies

TBA

Vision Care Supplies
$100 Maximum $100 Maximum
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Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$0 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
90% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$5000 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$6350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$500 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
No Overall Maximum Dollar Limit

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)
$7350 Per Policy Year

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
100% of Perferred Allowance

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
$100 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
Download Policy FlyerCertificate

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. Deductible may not apply to all services.

Deductible (Preferred Provider)
Option of $100 or $500 Per Policy Year

Maximum Benefit

The most an insurance company will pay for claims made within a certain period of time.

Maximum Benefit (For each Injury or Sickness)
$500,000

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you've paid your deductible.

Coinsurance (Preferred Provider)
80% except as noted

Out-of-pocket maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn't include your monthly premiums. It also doesn't include anything you spend for services your plan doesn't cover.

Out-of-pocket Maximum (Preferred Provider)

Pre-existing waiting period

The time period during which an individual policy won't pay for care relating to a pre-existing condition.

Pre-existing Waiting Period
12 months

Preventative care services

Health care services that help prevent disease. Flu shots and Pap smears are examples of preventive care.

Preventive Care Services
No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
12 months
Enroll Now

Need help? Talk to us.

Kindness and patience are at the core of our customer support team. Our representatives will help you with any issues related with using your health insurance, doctor visits, downloading insurance IDs, and filing claims.

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