STEP 1
Choose the right plan
A good health insurance plan gives you adequate protection and access to a trusted doctor wherever you need.
Review summary of benefits
Review summary of benefits
Summary of benefits introduces the essential benefits of a plan. Consider what is covered and what is excluded.
Discover insurance network
Compare insurance network
A good network allows you to save money by accessing an in-network care provider whenever you need.
Consider your unique medical needs
Consider your unique medical needs
Find out if the plan covers the medication or services you need for your medical condition.
When choosing plans, compare deductibles, coinsurance, out-of-pocket maximum and copayments:
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Deductible:
The amount you pay for covered health care services before your insurance plan starts to pay. Deductibles may not apply to all services.
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Coinsurance:
The percentage of costs of a covered health care service the insurance company pays after you’ve paid your deductible.
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Copayment:
You’ll usually pay a fixed amount of money for each +covered doctor visit or prescription.
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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.
What is an insurance networks?
A network can be made up of doctors, hospitals, and other health care providers and facilities that have agreed to offer negotiated rates for services to those by certain medical insurance plans.
STEP 2
Get your insurance ID
Your insurance card will be ready to download after your information has been processed and uploaded. Bringing your insurance ID to the appointment will save your time and many pieces of paper. Information on your insurance ID helps preferred providers to file claims and send bills.
STEP 3
Choose the care you need
Speak to a doctor online, for free
Stay comfortably at home and save your time using the teledoctor services. With HealthiestYou, you can easily speak to a trusted doctor online or by phone. This 100% covered service is ideal for minor ailments like rashes and sore throats.
*All HealthiestYou services are free for students who are 18 years old and above (This benefit is unavailable for high school student plans)
Visit a primary care physician
Schedule a visit with a primary care doctor for routine checkups and non-urgent health concerns. Having a primary doctor offers significant benefits: They know your medical history best and is your first call for illnesses. Get the most out of your doctor visits.
Make an appointment with a specialist
Some doctors are experts in your particular illnesses. Find an in-network doctor specialized in the area you need care for. With Student Medicover, you don’t need a referral to visit a specialist.
Visit an emergency room or call 911
Consider seeking immediate assistance for life-threatening events such as heavy bleeding and large open wounds: In hospital emergency rooms (ER), true emergencies receive priority treatment. Other cases may need to wait – sometimes for hours.
Skip waits and visit an urgent care.
When you need immediate care, try an in-network urgent care or retail health clinic – you may also pay less.
Stay Healthy – take a vaccine.
Vaccination is a safe, effective and convenient way to protect you from dangerous diseases. If you have enrolled in Supreme/Elite/Prime 100/Prime 500 plan, you’re 100% covered for in-network preventative vaccines.
Be happy - speak to a therapist online or in-person.
HealthiestYou is an online professional counseling app that provides access to doctors and mental healthcare from anywhere you are, even while traveling internationally.
All HealthiestYou services are free for students aged 18 and above. This benefit does not apply to high school student plans.
STEP 4
Find a doctor or hospital in
15 minutes
Whether you’re looking for a doctor, medical specialists, hospital, laboratory, or even medical equipment and supplies, we have the service you need.
