Insurance plans | Student Medicover

保险计划

Elite

$110.70/30 DaysUnder 25

性价比最高、最受欢迎的计划：价格实惠、自付额更低、赔付无上限，也有高达90%的赔付比例及预防性治疗。

Prime

$94.20/30 DaysUnder 25

性价比较高的保险计划：价格实惠、自付额低、赔付无上限，赔付比例高达80%，并包含预防性治疗。

Preferred

$66.90/30 DaysUnder 25

这款保险计划价格实惠、自付额低至$50，同时也为处方药、已有医疗状况提供了良好保障。

Basic

$48.90/30 DaysUnder 25or$43.80/30 DaysUnder 25

价格最优、保障良好的保险计划，可选择$100或$500的自付额，适合预算优先、身体素质更佳的同学们。

Download Policy	Flyer Brochure	Flyer Brochure	Flyer Brochure	Flyer Brochure
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

点击对比

立即购买

Elite

$110.70/30 Days

Download Policy	Flyer Brochure
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)

Prime

$94.20/30 Days

Download Policy	Flyer Brochure
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)

Preferred

$66.90/30 Days

Download Policy	Flyer Brochure
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)

Basic

$48.90 or $43.80/30 Days

Download Policy	Flyer Brochure
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

立即购买

自付额 Deductible
在保险公司开始赔付钱，投保人自己支付的金额。

共付额 Copayment (or co-pay)
对某些特定项目，每次看病时自己需要支付的一定金额。

赔付比例 Coinsurance
自付额支付满额后，保险公司为医疗费用赔付的百分比。

最高自付额 Out-of-pocket Maximum
在一个保险政策年中，你永远不会支付超过最高自付限额。现金支付最高金额包括您的所有共付额，自付额和共同保险金。

保险选择贴士

该计划是否符合您的学校要求?

要成豁免（waive）大学健康计划，你购买的计划必须符合您学校的最低保险要求。保险要求可以网站官网上查找。

保险计划是否包含你需要的特定治疗/药物?

在选择计划时，请考虑你自身的医疗需求。如果您有特定的医疗需求，请咨询你的医生或我们的客服。

保险计划是否包含处方药?

Preferred, Prime, 和 Elite 计划提供处方药保障.

你需要接种疫苗吗?

Prime和Elite计划包含预防性疫苗，如麻疹、腮腺炎和风疹的混合疫苗（MMR）和流感疫苗。获取更多信息，请访问接种疫苗。

保险计划是否涵盖了已有病症?

已有病症指的是你在保险生效之前遇到的医疗保健问题。 Preferred，Prime和Elite计划已有病症没有限制。只有Basic计划有12个月的等待期。

选择适合自己的保险计划

保险计划

Maximum Benefit

Deductible

Coinsurance

Out-of-pocket maximum

Pre-existing waiting period

Preventative care services

Prescription Drugs

Maximum Benefit

Deductible

Coinsurance

Out-of-pocket maximum

Pre-existing waiting period

Preventative care services

Prescription Drugs

Maximum Benefit

Deductible

Coinsurance

Out-of-pocket maximum

Pre-existing waiting period

Preventative care services

Prescription Drugs

Maximum Benefit

Deductible

Coinsurance

Out-of-pocket maximum

Pre-existing waiting period

Preventative care services

Prescription Drugs

Maximum Benefit

Deductible

Coinsurance

Out-of-pocket maximum

Pre-existing waiting period

Preventative care services

Prescription Drugs

如需帮助，请联系我们