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Insurance Plans

Elite

$110.70/30 Days

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

Prime

$94.20/30 Days

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

Preferred

$66.90/30 Days

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

Basic

$48.90/30 Days$100 deductibleor$43.80/30 Days$500 deductible

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

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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 $500,000 $500,000

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)
$50 Per Policy Year $100 Per Policy Year $50 Per Policy Year Option of $100 or $500 Per Policy Year

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

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

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 No Benefits No Benefits

Prescription Drugs

Drugs and medications that by law require a prescription.

Prescription Drugs (UnitedHealthcare Pharmacy)
$15 Copay - Tier 1
$30 Copay - Tier 2
$50 Copay - Tier 3
$15 Copay - Tier 1
20% Coinsurance - Tier 2
30% Coinsurance - Tier 3
$20 Copay - Tier 1
30% Coinsurance - Tier 2
40% Coinsurance - Tier 3
No Benifits for UHCP
Enroll Now
Download Policy FlyerCertificate

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

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)
$50 Per Policy Year

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

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

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

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

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

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)
$50 Per Policy Year

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

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

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

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

Loved and trusted by students worldwide

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87%

87% of insured students highly
recommend
Students Medicover*

*2018 Student Medicover Customer
Satisfaction Survey

Why Choose Use - earth-grid-symbol

43 countries

Insured students are from 43 countries

Why Choose Use - graduation cap

662 universities

studying in 662 universities.

Supported 150,000+ students to thrive
and stay healthy.

Live fearlessly. You’re covered.

Need medical professionals but worry about steep bills? Don’t be afraid.

We offer comprehensive coverage to protect you from minor illnesses to serious medical conditions.

Live Fearlessly - Doctor Visits

Doctor Visits

Live Fearlessly - Hospital Stay

Hospital Stay

Live Fearlessly - Preventive Care

Preventative Care*

Live Fearlessly - Prescription Drugs

Prescription Drug*

Live Fearlessly - Emergency Room

Emergency Room

Live Fearlessly - Ambulance

Ambulance

Live Fearlessly - BetterHelp

BetterHelp Counseling

Live Fearlessly - Online Doctor

Online Doctor

*Preventative care is covered under Prime and Elite plans. Prescription
drugs are covered under Preferred, Prime and Elite plans.

Find trusted doctors in 15 minutes.
Whenever. Wherever.

As the leading national network with qualified providers, you can locate a trusted doctor or hospital within 15 minutes anywhere in the country through UnitedHealthcare Options PPO.

The Options PPO network includes:

  • 840,000+ Doctors and health care professionals
  • 5,700+ Hospitals
  • 30,000+ Pharmacies

Where to find care?

Locate an in-network care provider at your fingertips

Find in-network care providers using the UHCSR mobile app or preferred provider lookup in 15 minutes, anywhere in the U.S.

Find care at school: Student Health Centers

Simply visit and receive treatment at the Student Health Center at your university. It’s affordable – deductibles and copays will be waived and your medical bills will be paid at the Preferred Provider level.

Speak to a doctor online for free – at any time

Save your time and money by speaking to a doctor online. HealthiestYou lets you talk to a doctor in 15 minutes using your mobile device or computer. And it’s free.

Seek help outside of the U.S. : Global Emergency Services

When you’re sick or hurt far away from home, GES steps in with immediate assistance. Contact information is on the back of your insurance ID.

Healthcare simplified.
Explained simply.

Student Medicover is founded and operated by a group of enthusiastic former international students. We deeply understand the challenges – healthcare is expensive and complicated here. We’ve seen students reluctant to seek necessary treatment, for fear of long wait times and steep bills.

To tackle this problem, we transformed ourselves into a content powerhouse – publishing digestible, entertaining content centered around medical resources in order to keep you healthy and happy.

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.

Contact Us