Top 10 Health Issues Women Shouldn’t Ignore

Introduction

Some health symptoms in women might look minor, but indeed are evident warnings that demand immediate medical treatment. Though, they may appear insignificant yet are your body’s way of alerting you that something is amiss, so knowing about these symptoms and addressing them with your doctor can have a big impact on your prognosis and treatment efficacy. Especially for us, who are international students studying in the United States, our families are not here with us, and many times we need to pay more attention to our own health and wellness.

During your study abroad, all girls please self-check whether you have experienced the following symptoms:

1. Chest pain or discomfort

This could indicate a heart attack, and women often experience different symptoms than men, such as shortness of breath, nausea, and pain in the jaw or neck.

2. Abnormal vaginal bleeding

Any unusual bleeding, such as bleeding after sex or between periods, could be a sign of cervical or uterine cancer.

3. Changes in breast tissue

Lumps, bumps, or changes in the texture or appearance of breast tissue should be checked by a doctor, as they could indicate breast cancer.

4. Severe headaches

Headaches that are accompanied by nausea, vomiting, dizziness, or changes in vision could be a sign of a serious condition such as a brain tumor or stroke.

5. Shortness of breath

If you’re experiencing shortness of breath that’s not due to physical exertion, it could be a sign of a pulmonary embolism or other respiratory issue.

6. Painful or frequent urination

This could be a sign of a urinary tract infection, bladder infection, or kidney stones.

7. Changes in bowel habits

If you notice changes in your bowel movements, such as diarrhea or constipation, that last for more than a few days, it could be a sign of a digestive disorder or colorectal cancer.

8. Unexplained weight loss

If you’re losing weight without trying, it could be a sign of a thyroid issue, cancer, or another underlying health problem.

9. Extreme fatigue

If you’re feeling tired all the time, even after getting enough sleep, it could be a sign of anemia, thyroid issues, or other health problems.

10. Skin changes

Changes in the appearance or texture of your skin, such as new moles, rashes, or discoloration, could be a sign of skin cancer or other health issues.

Conclusion:

Apart from checking your body regularly, it is also important to note that these symptoms don’t necessarily mean that you have a serious health condition, but it’s always better to be safer and healthier. Student Medicover has been dedicated to protecting the health and safety of international students in the United States for the past ten years. All of our plans include the benefits and claims for regular physical checkups in the United States, and it is never a wrong choice to have yourselves covered by insurance in the US.

Click here to contact our customer service representatives for more detailed insurance plans and medical options. If you experience any of the symptoms mentioned above at school, please go to the health center or a nearby clinic for proper diagnosis and treatment as soon as possible. If the situation is more severe, such as symptoms of a heart attack or other life-threatening illnesses, please dial 911 or go to the nearest emergency facility immediately.

Hope every one of you stay in good health!

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10 Most Important Health Tips for Women

Introduction

Women’s health is a complex and multifaceted topic that encompasses physical, mental, and emotional wellbeing. Maintaining good health is essential for women of all ages, and there are numerous tips that women can take to promote their overall wellbeing. From practicing healthy habits such as regular exercise and balanced nutrition, to seeking preventive care and managing chronic conditions, all of them can help women stay healthy and vibrant throughout their lives.

Students in the US are facing health problems more frequently and severely than we imagine, and thus in this following article, we will explore the top 10 most important health tips for women, especially for international students, by offering practical advice on how to achieve optimal health and wellness.

Content：

Contraception Method 1: Condoms

Contraception Method 2: Short-acting Oral Contraception

Contraception Method 3: Emergency Contraception

Contraception Method 4: Rhythm Contraception

Based on our research on students and medical recommendations from practitioners, here are the top 10 most important health tips for women:

1. Eat a Healthy and Balanced Diet

Contraception Method 1: Condoms

A healthy diet is essential for maintaining optimal health. Women should focus on a balanced and nutritious diet, including plenty of fruits, vegetables, whole grains, lean protein, and healthy fats. Major universities also pay more attention to their dining department financially in order to provide a healthier lifestyle for students in the US.

2. Manage Stress

Chronic stress can have negative effects on both physical and mental health. During midterms and final exams, stress may peak at an unbearable level, and students should practice stress-reducing techniques such as meditation, yoga, or deep breathing exercises in order to keep themselves in a good mentality.

3. Get Enough Sleep

Sleep is essential for overall health and wellbeing. Women should aim for 7-8 hours of sleep each night, even if you believe that you are young enough.

4. Perform Self-exams

Women should perform regular self-exams to check for breast and skin changes. Also, your roommates or friends may also keep an eye on your health if necessary.

5. Exercise Regularly

Contraception Method 2: Short-acting Oral Contraception

Exercise can help prevent chronic diseases, improve mental health, and promote a healthy weight. Women should aim for at least 150 minutes of moderate-intensity exercise per week, which could be easily accessed on campus for students.

6. Practice Safe Sex

Girls in college are usually not fully aware of the severity of unsafe sexual behaviors, and it is very important to keep in mind that safe sex practices can help prevent sexually transmitted infections and unwanted pregnancies.

7. Stay up to Date on Vaccinations

Vaccines can help prevent serious illnesses and diseases. Women should talk to their healthcare provider about which vaccines they need.

Note: Students in the US who are insured by Student Medicover may have access to a preventive care benefit that covers vaccines when received from in-network providers such as CVS and Walgreen. You may click here to contact our customer service members for more information.

8. Don't Smoke or Use Tobacco

Smoking and tobacco use can have serious negative health effects. Students at such a younger age who smoke should consider quitting and seek support.

9. Drink alcohol in Moderation

Excessive alcohol consumption can increase the risk of many health problems, and every one should limit alcohol intake to one drink per day, especially when students have lots of parties when they enter colleges.

10. Get Regular Check-ups

Contraception Method 3: Emergency Contraception

Women should have regular check-ups with their healthcare provider to monitor their overall health and screen for diseases. In many cases, universities will provide chances for fellow students to take regular exams on campus.

Contraception Method 4: Rhythm Contraception

Conclusion:

In summary, prioritizing health and wellness is crucial for women to lead fulfilling lives. By adopting healthy habits and seeking regular medical care, women can take control of their physical and mental wellbeing and prevent potential health problems from developing. Whether it’s through practicing self-care, maintaining a balanced diet, or getting enough exercise, all the 10 tips above for women can ensure that they are living in their healthiest way.

Hope every one of you stay in good health!

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The Most Effective Method to Prevent Pregnancy in the US

Introduction

Do you really know all the correct methods of contraception?

Can birth control pills be taken to regulate skin and relieve menstrual pain?

Can emergency contraception be taken regularly?

Is it safe to rely on withdrawal methods or taking a shower immediately after having sex to prevent pregnancy?

Does birth control pills really cause great harm to the body, and should it be avoided at all costs?

Can condoms absolutely prevent pregnancy?

What is the most effective method to prevent pregnancy?

There are a series of questions that we receive every day from our customers, and indeed the answer may vary, depending on the actual circumstances. As international students, it’s your duty to take good care of your own safety in the US, and thus in this article, we have compiled information from Planned Parenthood, the most authoritative reproductive health care organization in the United States, to analyze the most effective method to prevent pregnancy in the US.

Content：

Contraception Method 1: Condoms

Contraception Method 2: Short-acting Oral Contraception

Contraception Method 3: Emergency Contraception

Contraception Method 4: Rhythm Contraception

Note:

The most effective method to prevent pregnancy can vary widely depending on several factors, including the type of contraception used, how consistently and correctly it is used, and individual differences in fertility.

Click here to contact our customer service members for more information. And now let’s get started!

Contraception Method 1: Condoms

The success rate of condoms as a form of contraception depends on how consistently and correctly they are used. When used perfectly, condoms can be highly effective in preventing pregnancy and reducing the risk of sexually transmitted infections (STIs).

According to the Centers for Disease Control and Prevention (CDC), when used consistently and correctly, condoms are about 98% effective at preventing pregnancy. However, with typical use (including inconsistent or incorrect use), the effectiveness rate drops to about 85%.

Contraception Method 2: Short-acting Oral Contraception

Short-acting oral contraceptives, commonly known as “the pill”, are a highly effective form of contraception when used correctly.

The success rate of short-acting oral contraceptives depends on how consistently and correctly they are taken. According to the Centers for Disease Control and Prevention (CDC), when taken perfectly, the pill is over 99% effective at preventing pregnancy. However, with typical use (including missed or late pills), the effectiveness rate drops to about 91%.

To use short-acting oral contraceptives effectively, it’s important to take them at the same time every day, preferably within a three-hour window of your usual time. It’s also important to start each new pack of pills on time, and to use a backup method of contraception (such as condoms) if a pill is missed or taken late.

Note:

All Student Medicover customers who have enrolled in our Choice, Prime, Elite, or Supreme plans will enjoy coverage on contraceptive medication, and also make sure you bring your doctor’s prescription and insurance card when you go to CVS or Walgreens to get the complimentary medication.

Contraception Method 3: Emergency Contraception

Emergency contraception (EC) is a type of birth control that can be used after unprotected sex or contraceptive failure to prevent pregnancy. The success rate of EC depends on several factors, including the type of EC used and how soon it is taken after unprotected sex.

The two most used types of EC proved by FDA are:

ELLA®（ulipristal acetate）
Plan B One-Step® (Levonorgestrel-only), including After Pill™、My Way®、Next Choice One Dose™ and Take Action™

Levonorgestrel is most effective when taken within 72 hours (3 days) after unprotected sex and can reduce the risk of pregnancy by up to 89%. Ulipristal acetate is most effective when taken within 120 hours (5 days) after unprotected sex and can reduce the risk of pregnancy by up to 85%.

To take EC, follow the instructions on the package insert or those given by your healthcare provider. Levonorgestrel is available over-the-counter without a prescription, while ulipristal acetate requires a prescription from a healthcare provider. It’s best to take EC as soon as possible after unprotected sex, as its effectiveness decreases with time. If you vomit within 2 hours of taking EC, consult with your healthcare provider to determine if you need to take another dose.

Contraception Method 4: Rhythm Contraception

Rhythm Contraception, also known as the fertility awareness method, involves tracking a woman’s menstrual cycle to determine when she is most likely to ovulate and therefore be fertile. By avoiding sexual intercourse during this time, couples can attempt to prevent pregnancy without using other forms of contraception.

However, the success rate of calendar-based contraception can vary depending on several factors, including the accuracy of tracking menstrual cycles, consistency in tracking and avoiding intercourse during fertile periods, and individual variations in the length of menstrual cycles. Studies suggest that typical use of the rhythm method can result in a failure rate of around 25%, which means that 25 out of 100 women using this method will become pregnant within a year. With perfect use, which involves accurately tracking menstrual cycles and consistently avoiding intercourse during fertile periods, the failure rate can be reduced to around 2-5%.

To use the rhythm method, a woman should start by tracking her menstrual cycle for several months to determine the length of her cycle and identify the days on which she is most likely to be fertile. This involves tracking the start and end dates of her period as well as any other symptoms of ovulation such as changes in cervical mucus or body temperature.

Once a woman has identified her fertile window, she and her partner should avoid sexual intercourse or use other forms of contraception during this time to prevent pregnancy. It is important to note that the rhythm method does not protect against sexually transmitted infections and is not recommended for women with irregular menstrual cycles.

Disclaimer:

Regardless of the methods you apply every time, it’s always important to note that no form of contraception is 100% effective, and do not provide complete protection against all STIs, and the most effective method to prevent pregnancy highly depends on the application of safe sex practices.

Using a combination of several methods of contraception and applying , such as getting tested for STIs and limiting sexual partners, etc. can further reduce the risk of unintended pregnancy and STIs.

If you still have questions regarding contraception or birth control, it is always advisable to click here and consult our customer service teams.

Hope every one of you stay in good health!

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Best H1B Visa Guide 2023: Everything You Should Know

The Most Complete H-1B Visa Guide 2023

Introduction

The H-1B lottery and application period for the 2023 fiscal year will shortly begin. Many of our customers are keeping an eye on the lottery scenario this year. I’ll go through all the frequently asked questions about H-1B lottery with you today so you can confidently get ready next month!

Content：

1. What is H1B?

2. H1B Application Process

3. H1B visa Required Documents

Before starting the guide, let me share with you a piece of good news first. The U.S. government does mandate that employees purchase insurance while on H-1B Visa as your health protection, and Student Medicover has multiple plans for H-1B to keep you covered.

Click here to contact our customer service members for more information. And now let’s get started!

1. What is H-1B?

H-1B is a temporary, non-immigrant work visa that allows U.S. employers to hire foreign workers in specialty occupations. The visa is commonly used by technology companies, as well as in other industries such as finance, accounting, and healthcare.

To qualify for an H-1B visa, the foreign worker must have a job offer from a U.S. employer and possess at least a bachelor’s degree or its equivalent in a specific field related to the job. The employer must also show that they were unable to find a qualified U.S. worker for the position.

H-1B visas are initially granted for up to three years and can be extended for up to six years in total. H-1B workers are allowed to bring their spouses and children to the United States on an H-4 visa. However, the H-4 visa does not allow the spouse to work in the U.S. unless they are granted a separate work visa.

The H-1B visa program is subject to annual numerical limits, or “caps,” which limit the number of visas that can be issued each year. The current cap is set at 65,000 visas, with an additional 20,000 visas available for foreign workers who hold a master’s degree or higher from a U.S. institution.

2. H-1B Application Process

The H-1B visa application process involves several steps:

1. Find a sponsoring employer: The first step in obtaining an H-1B visa is to find a U.S. employer who is willing to sponsor your visa application. The employer must agree to offer you a job that qualifies as a specialty occupation.

2. Labor Condition Application (LCA): Once you have a job offer, your employer must file a Labor Condition Application (LCA) with the U.S. Department of Labor (DOL). The LCA is a form that verifies that the employer will pay you the prevailing wage for the job and that working conditions for U.S. workers will not be adversely affected by your employment.

3. File the H-1B petition: After the LCA is certified, your employer can file the H-1B petition with the U.S. Citizenship and Immigration Services (USCIS). The petition should include all the necessary documents, such as your educational qualifications and evidence that the job qualifies as a specialty occupation.

4. Wait for the decision: USCIS will review your petition and either approve or deny it. If the petition is approved, you will receive an approval notice and can proceed with visa processing. If the petition is denied, you will have to explore other visa options or appeal the decision.

5. Apply for the visa: If your H-1B petition is approved, you can apply for the H-1B visa at a U.S. consulate or embassy in your home country. You will need to provide supporting documents such as your passport, visa application, and approval notice.

It is important to note that the H-1B visa application process can be complex and time-consuming, and there are often more applicants than available visas. Therefore, it is advisable to start the process early and work with an experienced immigration attorney to increase your chances of success.

3. H1B visa Required Documents

– Passport: A valid passport that will not expire for at least six months beyond the requested H-1B period.

– Educational credentials: Copies of all degrees, diplomas, or certificates that demonstrate that the foreign national has the required minimum qualifications for the specialty occupation.

– Offer letter or employment contract: A copy of the offer letter or employment contract from the U.S. employer outlining the terms and conditions of employment.

– Labor Condition Application (LCA): The certified LCA from the Department of Labor.

– Form I-129: A completed Form I-129, Petition for Nonimmigrant Worker, filed by the U.S. employer with the United States Citizenship and Immigration Services (USCIS).

– Evidence of specialty occupation: Documentation that the job offered is a specialty occupation that requires a minimum of a bachelor’s degree or higher in a related field.

– Employer information: Information about the U.S. employer, including their tax identification number and information about the company’s business activities.

– Previous immigration documents: If the foreign national has previously been in the United States on a nonimmigrant visa, copies of any previous immigration documents.

– Fees: Appropriate filing fees for the H-1B visa application, and any additional fees that may apply.

It is important to note that specific H1B visa requirements may vary depending on the individual case and the U.S. embassy or consulate where the visa application is processed.

If you still have questions regarding H1B application and policies, please feel free to visit the official website of USCIS at https://www.uscis.gov/working-in-the-united-states/h-1b-specialty-occupations.

Or it is always advisable to click here and consult with an experienced immigration attorney for guidance on the H-1B visa application process and required documents.

Wish everyone good luck with the lottery this year!

Reference：

https://www.uscis.gov/working-in-the-united-states/h-1b-specialty-occupations

https://www.uscis.gov/working-in-the-united-states/temporary-workers/h-1b-specialty-occupations-and-fashion-models/h-1b-electronic-registration-process

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International Students’ Guide to the US Healthcare System

[2023 Latest] International Students’ Guide to the US Healthcare System

Navigation：
1. How to find the right care in the US?
2. Over the counter (OTC) Medications
3. HPV vaccine and other women health screenings
4.Understanding key health insurance terms
5. How to submit a claim when using the insurance?

1. How to find the right healthcare in US?

For Student Medicover customers, you can search for participating physicians, hospitals, facilities, medical equipment, or supplies in your local area within 5 minutes through this website.

The website is pretty intuitive to use, but the more conscious decision making falls into choosing the right health facilities and doctors. Below we list the different types of facilities in the US and the common situations when choosing one.

❖ Primary Care

Visit your Primary Care Physician for:

Preventive Care
Follow-up Care
Sicknesses and Injuries during business hours

❖ Special Care

A specialist is a doctor with expertise in specific area of medicine. If you’re enrolled in Student Medicover, you do not need a referral from a primary care physician to visit a specialist. We highly recommend you visit a primary care physician if you are not sure about which type of special care you are looking for.

❖ Online Doctor

Through HealthiestYou, you can speak to a physician via phone and/or video chat* for diagnosis and treatment of many different acute sicknesses. There are no copays or coinsurance to utilize HealthiestYou, if you are a member of the plan. (A $40 consultation fee applies for non-members.)

Visit your online doctor for:

Rashes
Minor infections
Sore throats

❖ Urgent Care

Sometimes you may need care fast but your primary care physician may be unavailable. Urgent care centers can help treat different minor injuries so you don’t have to wait as long as the emergency room. Chances are, the price goes down as well.

An urgent care center can help with:

Minor cuts
Sprains & strains
Minor broken bones
Allergies
Headaches
Rashes
Fevers

❖ Emergency Room

If you’re seriously injured or experience other life-threatening health conditions, call the emergency hotline (911) or visit the nearest emergency facility. If you are experiencing non-life-threatening symptoms, visit an urgent care instead.

An Emergency room can help with:

Heavy bleeding
Chest pain
Major burns
Difficulty breathing
Large open wounds
Sudden changes in vision
Severe head and/or spinal injuries

2. Over the counter (OTC) Medications

In the U.S., there are more than 80 classes of over-the-counter (OTC) medications, ranging from acne medicines to weight loss products.

OTC drugs are medications that are safe and effective for use by the general public without seeking treatment by a health professional. These drugs are usually located on shelves in pharmacies, grocery stores, and even in gas stations, such as CVS, Walgreens, and Rite Aid, Target, Walmart, and Costco.

OTC medicines treat a variety of symptoms due to illness including pain, coughs and colds, diarrhea, heartburn, constipation, acne, and others. Popular examples include pain relievers like acetaminophen (Tylenol) and ibuprofen (Advil, Motrin), cough suppressants such as dextromethorphan (Robitussin) and antihistamines like loratadine (Claritin 24H).

3. HPV vaccine and other women health screenings

According to the CDC, everyone (yes, boys too!) through age 26 years should get HPV vaccine if they were not fully vaccinated already.

HPV vaccination is not recommended for everyone older than age 26 years.

Some adults age 27 through 45 years who were not already vaccinated might choose to get HPV vaccine after speaking with their doctor about their risk for new HPV infections and possible benefits of vaccination for them.
HPV vaccination of adults provides less benefit, because more people in this age range were exposed to HPV already.

For females, routine health screenings are highly recommended to prevent any diseases and maintain great health. Two common check ups are Pap Smear and Pelvic Exam. Both of them are counted as preventative healthcare and covered by Student Medicover insurance plans. Check this link on how to get preventative healthcare vaccines.

4. Understanding key health insurance terms about US healthcare

Deductible: The amount you owe for covered health care services before your health insurance or plan begins to pay.
Copayment: An amount you pay as your share of the cost for a medical service or item, like a doctor’s visit.
Coinsurance: Your share of the cost for a covered health care service, usually calculated as a percentage (like 20%) of the allowed amount for the service.
Premium: The amount you pay for your health insurance or plan each month.
Network: The doctors, hospitals, and suppliers your health insurer has contracted with to deliver health care services to their members.

5. How to submit a claim when using the insurance?

Visiting an in-network hospital or doctor (Cool, you can skip the claim process!)

You do not need to submit a claim if you visit an in-network hospital or doctor. Medical care institutions will contact and send your claim to UnitedHealthcare directly. Remember to bring your insurance ID card for your appointment.

Visiting a out-of-network hospital or doctor

If you visited an out-of-network hospital or doctor, you need to pay the bill yourself first, and then send documents to UnitedHealthcare to file a reimbursement claim within 90 days after the date of medical service.

If you need information on how to prepare your claim document, how to submit the claim document, how to check the claim status, and how to understand an EOB, please visit this link to get detailed information.

For more questions regarding our insurance plans, price, and eligibility, please reach out to our Customer Support Team. We’re always happy to assist!

[2022 Latest] Insurance Waiver Guide for IOWA

[2022 Latest] IOWA Student Insurance Waiver Guide

“ Simply submit your waiver with us by 9/9/2022,

save up to $2,747 a year from your insurance cost！ ”

Navigation：

What is an insurance waiver?
Why are alternative health insurance plans more affordable?
How to pick a health insurance plan?
Student Medicover Insurance Plan vs. IOWA insurance plan
How to enroll and waive?

1.What is an insurance waiver?

每一年，弗吉尼亚理工学院暨州立大学（Virginia Tech）会自动为学生注册一笔最高达到 $3,173/年的学校保险费用，并包含在学年的学费当中。可是，高昂的费用背后，却没有更优质的赔付比例，也没有弗吉尼亚理工学院暨州立大学（VT）的专属售后客服，在遇上紧急问题时，找不到可以寻求帮助的途径。

The university requires all international students to enroll in medical insurance while studying abroad in the United States. On your IOWA tuition bill, you will see that the University of IOWA has automatically enrolled you in the university’s Student Health Insurance Plan.

However, international students can enroll in a surprisingly more affordable plan designed specifically for them. IOWA’s insurance plan costs $3,900 a year. Alternatively, health coverage for international students can be as low as $1,153a 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.

2.Why are alternative health insurance plans more affordable?

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

3.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:

The Cost

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.

Insurance benefits

Read the insurance policies carefully. A good insurance plan should have a low deductible, high coinsurance, low copays, and a low out-of-pocket maximum.

Provider network

The Provider network is a group of care providers partnering with the insurance company to provide you with pre-negotiated rates. A powerful network allows you to find trustworthy doctors and hospitals wherever you need them.

4.Student Medicover insurance plan vs. IOWA Insurance plan

Waive university-sponsored insurance with Student Medicover

SAVE up to $2,747!

Waive university-sponsored insurance with Student Medicover

SAVE up to $2,747!

Student Medicover provides the most cost-effective and comprehensive insurance plans for F1/J1 international students in the U.S.

Reliable Coverage:

Student Medicover’s coverage features high coinsurances, low deductibles, low copays, and low out-of-pocket maximums. We offer substantial coverage for doctor visits, hospital stays emergency care, prescription drugs, and many other medical expenses found in the policy brochures. Covid-19 treatment and vaccination are also covered（refer to the policy certificate for detailed benefits）.

Find a trusted doctor anywhere in the country:

With Student Medicover, you can access accredited care providers in the nation’s leading network provided by UnitedHealthcare. You will enjoy lower costs for in-network medical services with discounted prices.

Visit Student Health Center:

Student Medicover offers in-network benefits for treatments received by any student health centers in the country, including IOWA Student 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.

5.How to enroll and waive?

3

4

STEP 1

Enroll in an insurance plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Birthday

- School: Choose University of Iowa

- Student Category: F1 International

- Coverage Period: 8/1/2022-7/31/2023

Supreme, Elite, Prime and Choice insurance plans plans meet the school's requirements to ensure the success of waive! Recommend everyone to buy the Supreme,Elite and Prime plan, the deductible is lower, also have adult vision benefits！

Note:

-If you find duplicate charges or your payment has been canceled, please contact us as soon as possible.

-When paying with BOA and PNC bank cards, the bank will charge a handling fee, please try to choose other bank cards.

STEP 2

Download your ID Card

- Go to UHCSR.com

- Choose "CREATE MY ACCOUNT" at the bottom

- Enter your Name, Birthday, and your Registered account email to create account

- Choose "Certify No Insurance" when the system asks if you have other insurance

- Log in to "My Account", click "ID Card" so you can download and print it

STEP 3

Download Confirmation letter

- Go to smcovered.com to log in, and click My Enrollment to download the Confirmation Letter.

-Click PDF, and download confirmation letter

-Find Review Certificates/Flyers in the Enrollment.

-Download the certificate of the insurance plan you bought.

STEP 4

Waive school insurance

1. Visit the school’s MyUI website: https://myui.uiowa.edu/my-ui/home.page

and click "HawkID Login"

2. Log in with school account password.

3. Choose “Student Insurance”,then "Cancel Student Insurance"

4. Choose “I now have other health insurance...”, then click “Continue”

6. Fill in the form according to the following information:
[Note]: Leave blank for the expiration date of the insurance, do not fill in!

Submit!

The waiver will be reviewed and approved in 5-7 business days. Once approved, pending insurance charge will be removed from your student account balance. Any paid school insurance premium will be refunded to your student account if any.

立即购买

Enroll Now

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Top 10 Health Issues Women Shouldn’t Ignore

1. Chest pain or discomfort

2. Abnormal vaginal bleeding

3. Changes in breast tissue

4. Severe headaches

5. Shortness of breath

6. Painful or frequent urination

7. Changes in bowel habits

8. Unexplained weight loss

9. Extreme fatigue

10. Skin changes

10 Most Important Health Tips for Women

Content

1. Eat a Healthy and Balanced Diet

Contraception Method 1: Condoms

2. Manage Stress

3. Get Enough Sleep

4. Perform Self-exams

5. Exercise Regularly

Contraception Method 2: Short-acting Oral Contraception

6. Practice Safe Sex

7. Stay up to Date on Vaccinations

8. Don't Smoke or Use Tobacco

9. Drink alcohol in Moderation

10. Get Regular Check-ups

Contraception Method 3: Emergency Contraception

Contraception Method 4: Rhythm Contraception

The Most Effective Method to Prevent Pregnancy in the US

Content

Contraception Method 1: Condoms

Contraception Method 1: Condoms

Contraception Method 2: Short-acting Oral Contraception

Contraception Method 2: Short-acting Oral Contraception

Contraception Method 3: Emergency Contraception

Contraception Method 3: Emergency Contraception

Contraception Method 4: Rhythm Contraception

Contraception Method 4: Rhythm Contraception

The Most Complete H-1B Visa Guide 2023

Content

1. What is H-1B?

1. What is H-1B?

2. H-1B Application Process

2. H-1B Application Process

3. H1B visa Required Documents

3. H1B visa Required Documents

[2023 Latest] International Students’ Guide to the US Healthcare System

Navigation

1. How to find the right healthcare in US?

❖ Primary Care

❖ Special Care

❖ Online Doctor

❖ Urgent Care

❖ Emergency Room

2. Over the counter (OTC) Medications

3. HPV vaccine and other women health screenings

4. Understanding key health insurance terms about US healthcare

5. How to submit a claim when using the insurance?

[2022 Latest] IOWA Student Insurance Waiver Guide

“ Simply submit your waiver with us by 9/9/2022,

save up to $2,747 a year from your insurance cost！ ”

Navigation

1.What is an insurance waiver?

2.Why are alternative health insurance plans more affordable?

3.How to pick a health insurance plan?

4.Student Medicover insurance plan vs. IOWA Insurance plan

Waive university-sponsored insurance with Student Medicover

SAVE up to $2,747!

Reliable Coverage:

Find a trusted doctor anywhere in the country:

With Student Medicover, you can access accredited care providers in the nation’s leading network provided by UnitedHealthcare. You will enjoy lower costs for in-network medical services with discounted prices.

Visit Student Health Center:

Student Medicover offers in-network benefits for treatments received by any student health centers in the country, including IOWA Student 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.

5.How to enroll and waive?

STEP 1

Enroll in an insurance plan

STEP 2

Download your ID Card

STEP 3

Download Confirmation letter

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.