保险计划

Elite

$110.70/30 Days

  • 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 Days

  • 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 Days

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

  • 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。
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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
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Download Policy FlyerBrochure

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 FlyerBrochure

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 FlyerBrochure

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 FlyerBrochure

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
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深受来自世界各地同学们的喜爱

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87%

87% 投保同学 强烈推荐

Students Medicover*

*2018 Student Medicover 满意度调查报告

Why Choose Use - earth-grid-symbol

43 国家

投保留学生来自 43 个国家

Why Choose Use - graduation cap

662 大学

投保同学就读于全美 662 家院校

已经为 150,000+ 留学生
提供医疗保障

全面医疗保障,让你前行无惧

需要就医,但担心美国看病价格太高?我们为你

提供全面保障——大病小病都不用担心。

Live Fearlessly - Doctor Visits

医生门诊

Live Fearlessly - Hospital Stay

住院治疗

Live Fearlessly - Preventive Care

预防性治疗*

Live Fearlessly - Prescription Drugs

处方药品*

Live Fearlessly - Emergency Room

急诊治疗

Live Fearlessly - Ambulance

救护车

Live Fearlessly - BetterHelp

心理健康

Live Fearlessly - Online Doctor

在线看病

*Prime及Elite计划包含预防性治疗。Preferred, Prime及Elite计划包含处方药。

15分钟查找权威医生
无论何时,无论何地

无论你在美国的哪个角落,都能随时轻松查找到医生及医院。我们的保险计划采用美国最顶尖的UnitedHealthcare Options PPO医疗网络,汇集全美最权威的医生及医疗机构。

UnitedHealthcare Options PPO 美国境内覆盖:

  • 840,000+ 医生及医护人士
  • 5,700+ 医院
  • 30,000+ 药房

医疗服务

网络内医疗机构

使用 UHCSR 手机 app 或者查找医疗机构链接在15分钟之内,查找到美国境内任何医疗机构。

校医院:学生健康中心

使用SM保险在学校的学生健康中心看病可以免除自付额和问诊费,方便划算。

免费在线连线医生

如果是感冒发烧等轻微疾病,可以使用HealthiestYou,15分钟之内就可以连线到一位认证医师,为你诊疗,并开处方药。HealthiesYou对所有SM保险投保学生免费。

境外医疗协助:全球紧急服务

在世界各地(非原籍国外),都可获得全天候医疗协助。联系方式见保险卡背面。.

为你全面讲解
美国医疗体系

Student Medicover 由一群充满社会责任感的留学生创办。我们深深理解留学生们在美国遇到的挑战——美国医疗系统价格昂贵,充满了复杂的术语。不少学生避免就医,只因为担心预约排队和昂贵账单。

为了解决这个问题,我们构建了一个内容制作平台 – 发布简单易懂、轻松幽默的内容来介绍医疗资源,帮助同学们使用保险来保持身心健康。

如需帮助,请联系我们

同学们无论是在保险购买,保险waive,还是理赔过程中遇到了问题,都可以随时联系我们哦。我们会尽力帮助每一位同学,让大家都能在美国安心就医,健康生活。

联系我们