By Kevin L. Licensed Insurance Producer




Attending a US college can be financially stressful. The average fee to attend a private non-profit four-year university is $48,510 per year. For international students, the costs are even higher.


But you can save up to $2098 a year with insurance waiver.


What is an insurance waiver?

On your tuition bill, you will see that NCSU has automatically enrolled you in the university’s Student Health Insurance, which costs $2,627 a year.


However, international students can enroll in a surprisingly affordable plan designed specifically for them. NCSU Student Health Insurance costs $2,627 a year. Alternatively, health coverage for international students can be as low as $529 a year.


An insurance waiver is an application to switch your plan that better fits your needs. Simply enroll in an insurance plan that meets the school’s waiver requirements and submit an insurance waiver on the school’s website.


Why are health insurances plans more affordable?

The insurance costs are calculated based on the risks of the demographics. University health plans are usually more expensive because the plans serve a broader range of the population, including international and domestic students.


How to pick a health insurance plan?

A good insurance plan protects you from minor illnesses to serious injuries and diseases. When you’re looking for a plan, consider these factors:


  1. The Costs
    Some plans are much more cost-effective than others. But the cost is the only factor you need to take into consideration. A plan with limited coverage can lead to catastrophic financial loss.
  2. Insurance benefits
    Read the insurance policies carefully. A good insurance plan should have a low deductible, a high coinsurance, low copays, and a low out-of-pocket maximum.
  3. Provider network
    Provider network is a group of care providers partnering with the insurance company to provide you with pre-negotiated rates. A powerful provider network allows you to find trustworthy doctors and hospitals wherever you need.


Can you recommend a good health insurance plan?

Student Medicover, a partner of UnitedHealthcare, offers the most cost-effective and reliable health insurance plans for international students in the market.


  • Reliable Coverage:
    Their coverage features low deductibles, high coinsurances, low copays, and low out-of-pocket maximums. Their plans offer substantial coverage for doctor visits, hospital stays, emergency care, and many other treatments found in the policy brochures.
  • Find a trusted doctor anywhere in the country
    With Student Medicover, you can access accredited care providers in the nation’s leading provider network – UnitedHealthcare Options PPO. You will enjoy lower costs for in-network medical services with pre-negotiated prices.
  • Visit Student Health Center:
    Student Medicover offers in-network benefits for treatments received in any student health centers in the country, including NCSU Health Center.


  • 24/7 Customer Service
    If you have any questions, you can always ask a customer service representative through email, phone, WhatsApp, Facebook, and online support center.


Here is a brief comparison between NCSU’s Student Health Insurance and Student Medicover:



The chart is only a brief overview. Please refer to the policy brochures to learn more about the plans.

How to waive health insurance?

Completing an insurance waiver is very simple. It takes you only 15 minutes.


  1.    Enroll in an insurance plan

Visit Student Medicover’s website www.smcovered.com, scroll down to “Enrollment”, and enroll in Elite, Prime, Preferred, or Basic plan.


  1.    Download your insurance ID card

Wait for at least two business days for your ID card to be ready. Then register for an account and download the card on UHCSR, the insurance underwriter of Student Medicover.


  1.   Submit your waiver form

Visit the website: https://studentbluenc.com/#/ncsu/waive, and fill out the waiver form with the information below:

  • Insurance Company Name: UnitedHealthcare
  • Company Phone Number: 800-767-0700
  • Policy Number: SR ID Number found on your insurance ID
  • Group/Plan Number:

Elite: 2019-203045-91

Prime: 2019-203113-91

Preferred: 2019-203044-91

Basic100: 2019-203043-91

Basic500: 2019-203043-93

  • Policy Holder Name: Your name
  • Student’s Relation to Policy Holder: Self
  • Add Proof of Coverage: Upload your insurance ID card

Choose “Yes” of Waiver Agreements

Click “Submit”.


After your application is approved, the school will either refund you or remove the health insurance fee on your tuition bill.


If you need any help, you can always reach out to Student Medicover’s customer service team:

Facebook: @smcovered https://www.facebook.com/smcovered

Email: sm@smcovered.com

24/7 Tel: 812-360-2313

WhatAspp: 1-812-360-2313

About Student Medicover
By partnering with UnitedHealthcare, Student Medicover provides cost-effective, comprehensive insurance plans. We’re a team of experienced health enthusiasts who serve students with compassion, professionalism, and dedication.

Founded in 2013, Student Medicover maintained an annual sales growth of more than 200% and now serves more than 20,000 international students from 43 countries and 662 universities. We partnered with more than 120 student organizations across the country in order to build a supportive, vibrant, and healthy community.


“International students in the U.S usually lack minimum education in healthcare. The problem threatens to undermine students’ health. Besides, international students are reluctant to seek necessary treatment, for fear of long wait times and steep bills.


Student Medicover strives to make high-quality, affordable healthcare accessible to every international student. ”                                        

 ——Jerry Hu, CEO of Student Medicover







Link: https://www.smcovered.com/enrollment/review-certificates-flyers/


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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