[2023 updated] Insurance Waiver Guide for NYU

[2023 updated]  NYU Student Insurance Waiver Guide 

blog NYU banner

NYU Fall 2023 Deadline to Waive

September 30,2023 11:59:59 pm EST

00
Days
00
Hours
00
Minutes
00
Seconds

“ Simply submit your waiver with us

save up to $3,484 a year from your insurance cost! ”

1. What is an Insurance Waiver?

The university requires all international students to enroll in medical insurance while studying abroad in the United States. On your NYU student account, you will see that New York University 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. This year, NYU’s insurance plan costs up to $4,832 a year. Alternatively, health coverage for international students can be as low as $1,349 a year.

An insurance waiver is an application to switch your plan that better fits your needs. Enroll in an insurance plan that meets the school’s waiver requirements and submit an insurance waiver on the school’s website. For school-specific waiver regulations, please refer to your school’s website.

每张分隔图 25 1

2. Why are Alternative Health Insurance Plans More Affordable?

The insurance costs are calculated based on the risk factors, demographic factors are essential to the health insurance cost. Health insurance plans offered by universities or colleges are usually more expensive because the plans serve a broader range of the population, including international and domestic students.

Student Medicover provides medical insurance specifically for international F1 students and J1 Scholars. While offering quality health insurance, Student Medicover insurance plans can often save students $1,000-$3,000 per year, with comparable or better benefits.

每张分隔图 27

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.

Overall, it’s important to carefully compare the coverage and benefits of any health insurance plan before making a decision, as lower costs may come with trade-offs in terms of coverage or access to care.

4. Student Medicover Insurance Plans vs. NYU-sponsored Student Health Insurance Plan

NYU

By waiving NYU-sponsored Student Health Insurance with Student Medicover you can save up to $3,484!

Note: the premium rates shown are for insureds under the age of 25, please contact us for the premium rates or plan options for other age groups.

5. Limited Time Summer Campaign – The More You Refer The More You Get!

6. How do NYU Students Stay Covered with Student Medicover?

SM Elite Users Insurance Claims Cases
Other Student Medicover Insureds Testmonials

7. How to Enroll and Waive?

STEP 1

Enroll In an Insurance Plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Date of Birth

- School: Choose New York University

- Student Category: F1 International

- Coverage Period: 8/21/23-8/20/24

Step1-1

Supreme, Elite, Prime 100,Prime 500 plans meet the school's requirements to ensure the success of waive! Supreme and Elite plans are the most popular plans with the lowest deductible and the highest coinsurance.

Step1-2

Note:

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

-To avoid incurring additional fees, we recommend selecting alternative bank cards when making payments, as both BOA and PNC banks charge a handling fee for transactions.

STEP 2

Prepare Waiver Required Documents

1.Download Your Confirmation Letter and Temporary Insurance ID Card

-Go to smcovered.com to log in:

click "MY ENROLLMENTS" to download the confirmation letter.

click "DOWNLOAD ID CARD" to download the temporary insurance ID Card.

step2-1”
           style=

*If you are in urgent need of submitting the waiver, you can do so by providing a temporary insurance ID card.

*The temporary insurance ID card is for insurance waiver and registering insurance accounts only.

2.Download Your Insurance Certificate

-Go to smcovered.com and find "Review Certificates" in the "ENROLLMENT".

step2-2”
          style=

-Download the certificate of the insurance plan you enrolled.

step2-3”
          style=

STEP 3

Waive School Insurance

1.Collect and fill out the Waive form

Within one working day after the purchase is completed, you can receive the Waive form provided by Student Medicover in the mailbox used at the time of purchase.

After receiving the form, fill in the complete information in the two places of Section A, fill in the Member Insurance ID (SR ID on the insurance card) in Section B, and confirm that the information on the form is correct~

step3

2. Submit the Waive form to the school
Send the form to the school insurance office email:
health.insuranceattestation@nyu.edu
Or submit to the school insurance office:
NYU Student Health Insurance
726 Broadway,
Suite 346 New York,
NY 10003
212-443-1020

Tip: It is recommended that everyone try to use their own NYU mailbox when sending emails, otherwise the email may be ignored by the school insurance office~

STEP 4

Register for Your HealthSafe ID Insurance Account.

To get your official Insurance ID card, you need to register for the HeathSafe ID insurance account.

*Due to a recent system upgrade in UHCSR, it will take 1-2 business days after the enrollment to be able to register for a HealthSafe ID insurance account and download the official insurance card.

1.Go to UHCSR.com and select "Create My Account” at the bottom to register for the HeathSafe ID insurance account



step4-1

2.Select “Register Now”

step4-2

3.Enter your name, date of birth, and choose the Identification Type

step4-3”
                        style=

-SR ID: the SR ID on the temporary insurance card.

-Student ID: either the student ID provided during enrollment or the student ID on the confirmation letter.

[2022 Latest] Insurance Waiver Guide for IOWA

[2022 Latest] IOWA Student Insurance Waiver Guide 

IOWA banner

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

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

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.

waive-guide

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.

insurance waiver

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!

IOWA Insurance vs SM insurance Comparison Chart

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

mobile new logo 1

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).

mobile new logo 1

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.

mobile new logo 1

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.

mobile new logo 1

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

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



step1-1

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!



step1-2

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

step2-1

- 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

step2-2

STEP 3

Download Confirmation letter

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

step3-1

-Click PDF, and download confirmation letter

step3-2

-Find Review Certificates/Flyers in the Enrollment.

step3-3

-Download the certificate of the insurance plan you bought.

step3-4

STEP 4

Waive school insurance

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

and click "HawkID Login"

step4-1

2. Log in with school account password.

step4-1

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

step4-1
step4-1

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


step4-1

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


step4-1

step4-1

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.

[2023 updated] Insurance Waiver Guide for UCSB

[2023 updated] UCSB Student Insurance Waiver Guide 

UCSB banner:featured image

UCSB Fall 2023 Deadline to Waive

October 2,2023 11:59:59 pm PDT

00
Days
00
Hours
00
Minutes
00
Seconds

“ Simply submit your waiver with us

save up to $4,861 a year from your insurance cost! ”

1. What is an Insurance Waiver?

The university requires all international students to enroll in medical insurance while studying abroad in the United States. In your UCSB student account, you will see that University of California, Santa Barbara has automatically posted fees for the university’s Student Health Insurance Plan. 

However, international students can enroll in a surprisingly more affordable plan designed specifically for them. UCSB’s insurance plan costs up to $6,201 a year. Alternatively, health coverage for international students can be as low as $1,340 a year.

An insurance waiver is an application to opt out of the school-provided plan and go with the plan that better fits your needs. For school-specific waiver regulations, please refer to your school’s website.

waive-guide

2. Why are Alternative Health Insurance Plans More Affordable?

The insurance costs are calculated based on the risk factors; demographic factors are essential to the health insurance cost. Health insurance plans offered by universities or colleges are usually more expensive because the plans serve a broader range of the population, including international and domestic students.

In comparison, Student Medicover provides medical insurance specifically for international F1 students and J1 Scholars. While offering quality health insurance, Student Medicover insurance plans can often save students $1,000-$3,000 per year, with comparable or better benefits.

每张分隔图 27

3. How to Pick a Health Insurance Plan?

A good insurance plan protects you from minor illnesses, as well as serious injuries and diseases. When you’re looking for a plan, consider the following factors: 

  • The Cost

Some plans are much more cost-effective than others. But the cost is not the only factor you need to take into consideration. Cost should be compared at the same level of coverage and benefits. A plan with limited coverage can lead to catastrophic financial loss.

  • Insurance benefits

Read the insurance policies carefully, especially the schedule of benefit and exclusion sections. 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, clinics, urgent care centers, pharmacies, and hospitals wherever you need them.

Overall, it’s important to carefully compare the coverage and benefits of any health insurance plan before making a decision, as lower costs may come with trade-offs in terms of coverage or access to care.

4. Student Medicover Insurance Plans vs. UCSB Insurance Plan

UCSB

By waiving UCSB-sponsored Student Health Insurance with Student Medicover you can save up to $4,861!

Note: the premium rates are shown for insured under the age of 25, please contact us for the premium rates or plan options for other age groups.

5. Limited Time Summer Campaign – The More You Refer The More You Get!

6. How do UCSB Students Stay Covered with Student Medicover?

SM Elite Users Insurance Claims Cases
Other Student Medicover Insureds Testmonials

7. How to Enroll and Waive?

STEP 1

Enroll in an insurance plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Birthday

- School: Choose University of California, Santa Barbara

- Student Category: F1 International

- Coverage Period: 09/24/2023-09/21/2024



step1-1

Supreme, Elite, Prime100 and Prime 500 meet the school's requirements to ensure the success of waive! Supreme,Elite and Prime 100 plans are the most popular plans with the lowest deductible and the highest coinsurance.



step1-2

Note:

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

-To avoid incurring additional fees, we recommend selecting alternative bank cards when making payments, as both BOA and PNC banks charge a handling fee for transactions.

STEP 2

Prepare Waiver Required Documents

1.Download Your Confirmation Letter and Temporary Insurance ID Card

-Go to smcovered.com to log in:

click "MY ENROLLMENTS" to download the confirmation letter.

click "DOWNLOAD ID CARD" to download the temporary insurance ID Card.

step2-1”
style=

*If you are in urgent need of submitting the waiver, you can do so by providing a temporary insurance ID card.

*The temporary insurance ID card is for insurance waiver and registering insurance accounts only.

2.Download Your Insurance Certificate

-Go to smcovered.com and find "Review Certificates" in the "ENROLLMENT".

step2-2”
style=

-Download the certificate of the insurance plan you enrolled.

step2-3”
style=

STEP 3

Waive school insurance

1. Visit UCSB website and click the logo:

https://www2.academichealthplans.com/school/7024.html




step3-1

2. Login with UCSB netID.



step3-2

3. Choose Waive

step3-3-1

step3-3-2

4.Fill the waiver form.

step3-4-1 step3-4-2 step3-4-3 step3-4-4

Done!

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.


STEP 4

Register for Your HealthSafe ID Insurance Account.

To get your official Insurance ID card, you need to register for the HeathSafe ID insurance account.

*Due to a recent system upgrade in UHCSR, it will take 1-2 business days after the enrollment to be able to register for a HealthSafe ID insurance account and download the official insurance card.

1.Go to UHCSR.com and select "Create My Account” at the bottom to register for the HeathSafe ID insurance account



step4-1

2.Select “Register Now”

step4-2

3.Enter your name, date of birth, and choose the Identification Type

step4-3”
 style=

-SR ID: the SR ID on the temporary insurance card.

-Student ID: either the student ID provided during enrollment or the student ID on the confirmation letter.



[2023 updated] Insurance Waiver Guide for GWU

[2023 updated] GWU Student Insurance Waiver Guide 

gwu waiver banner

GWU Fall 2023 Deadline to Waive

September 12,2023 11:59:59 pm PDT

00
Days
00
Hours
00
Minutes
00
Seconds

“ Simply submit your waiver with us

save up to $1,492 a year from your insurance cost! ”

1. What is an Insurance Waiver?

The university requires all international students to enroll in medical insurance while studying abroad in the United States. In your GWU student account, you will see that George Washington University has automatically posted fees for the university’s Student Health Insurance Plan. 

However, international students can enroll in a surprisingly more affordable plan designed specifically for them. GWU’s insurance plan costs $2,841 a year. Alternatively, health coverage for international students can be as low as $1,349 a year.

An insurance waiver is an application to opt out of the school-provided plan and go with the plan that better fits your needs. For school-specific waiver regulations, please refer to your school’s website.

waive-guide

2. Why are Alternative Health Insurance Plans More Affordable?

The insurance costs are calculated based on the risk factors; demographic factors are essential to the health insurance cost. Health insurance plans offered by universities or colleges are usually more expensive because the plans serve a broader range of the population, including international and domestic students.

In comparison, Student Medicover provides medical insurance specifically for international F1 students and J1 Scholars. While offering quality health insurance, Student Medicover insurance plans can often save students $1,000-$3,000 per year, with comparable or better benefits.

insurance waiver

3. How to Pick a Health Insurance Plan?

A good insurance plan protects you from minor illnesses, as well as serious injuries and diseases. When you’re looking for a plan, consider the following factors: 

  • The Cost

Some plans are much more cost-effective than others. But the cost is not the only factor you need to take into consideration. Cost should be compared at the same level of coverage and benefits. A plan with limited coverage can lead to catastrophic financial loss.

  • Insurance benefits

Read the insurance policies carefully, especially the schedule of benefit and exclusion sections. 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, clinics, urgent care centers, pharmacies, and hospitals wherever you need them.

Overall, it’s important to carefully compare the coverage and benefits of any health insurance plan before making a decision, as lower costs may come with trade-offs in terms of coverage or access to care.

4. Student Medicover Insurance Plans vs. GWU Insurance Plan

GWU 2023 1

By waiving GWU-sponsored Student Health Insurance with Student Medicover you can save up to $1,492!

Note: the premium rates are shown for insured under the age of 25, please contact us for the premium rates or plan options for other age groups.

5. Limited Time Summer Campaign – The More You Refer The More You Get!

6. How do GWU Students Stay Covered with Student Medicover?

SM Elite Users Insurance Claims Cases
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。

7. How to Enroll and Waive?

STEP 1

Enroll in an insurance plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Birthday

- School: Choose George Washington University

- Student Category: F1 International

- Coverage Period: 08/12/2023-08/11/2024



step1-1

Supreme,Elite,Prime 100 and Prime 500 insurance plans meet school requirements. Recommend everyone to buy Supreme and Elite plans, are the most popular plans with the lowest deductible and the highest coinsurance.


step1-2

Note:

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

-To avoid incurring additional fees, we recommend selecting alternative bank cards when making payments, as both BOA and PNC banks charge a handling fee for transactions.

STEP 2

Prepare Waiver Required Documents

1.Download Your Confirmation Letter and Temporary Insurance ID Card

-Go to smcovered.com to log in:

click "MY ENROLLMENTS" to download the confirmation letter.

click "DOWNLOAD ID CARD" to download the temporary insurance ID Card.

step2-1”
   style=

*If you are in urgent need of submitting the waiver, you can do so by providing a temporary insurance ID card.

*The temporary insurance ID card is for insurance waiver and registering insurance accounts only.

2.Download Your Insurance Certificate

-Go to smcovered.com and find "Review Certificates" in the "ENROLLMENT".

step2-2”
  style=

-Download the certificate of the insurance plan you enrolled.

step2-3”
  style=

STEP 3

Waive school insurance

We will help you complete the waiver over WhatsApp by +1 812-360-2313, it only takes 5 minutes.

STEP 4

Register for Your HealthSafe ID Insurance Account.

To get your official Insurance ID card, you need to register for the HeathSafe ID insurance account.

*Due to a recent system upgrade in UHCSR, it will take 1-2 business days after the enrollment to be able to register for a HealthSafe ID insurance account and download the official insurance card.

1.Go to UHCSR.com and select "Create My Account” at the bottom to register for the HeathSafe ID insurance account



step4-1

2.Select “Register Now”

step4-2

3.Enter your name, date of birth, and choose the Identification Type

step4-3”
                  style=

-SR ID: the SR ID on the temporary insurance card.

-Student ID: either the student ID provided during enrollment or the student ID on the confirmation letter.





[2023 updated] Insurance Waiver Guide for CMU

[2023 updated] CMU Student Insurance Waiver Guide 

CMU banner

CMU Fall 2023 Deadline to Waive

September 05,2023 11:59:59 pm EDT

00
Days
00
Hours
00
Minutes
00
Seconds

“ Simply submit your waiver with us

save up to $1,228 a year from your insurance cost! ”

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。

2.Why are alternative health insurance plans more affordable?

The university requires all international students to enroll in medical insurance while studying abroad in the United States. On your CMU student account, you will see that Carnegie Mellon University 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. CMU’s insurance plan costs $2,577 a year. Alternatively, health coverage for international students can be as low as $1,349 a year.

An insurance waiver is an application to switch your plan that better fits your needs. Enroll in an insurance plan that meets the school’s waiver requirements and submit an insurance waiver on the school’s website. For school-specific waiver regulations, please refer to your school’s website.

waive-guide

2. Why are Alternative Health Insurance Plans More Affordable?

The insurance costs are calculated based on the risk factors, demographic factors are essential to the health insurance cost. Health insurance plans offered by universities or colleges are usually more expensive because the plans serve a broader range of the population, including international and domestic students.

 

Student Medicover provides medical insurance specifically for international F1 students and J1 Scholars. While offering quality health insurance, Student Medicover insurance plans can often save students $1,000-$3,000 per year, with comparable or better benefits.

insurance waiver

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.

Overall, it’s important to carefully compare the coverage and benefits of any health insurance plan before making a decision, as lower costs may come with trade-offs in terms of coverage or access to care.

4. Student Medicover Insurance Plans vs. CMU Insurance Plan

CMU 1

By waiving CMU-sponsored Student Health Insurance with Student Medicover you can save up to $1,228

Note: the premium rates shown are for insureds under the age of 25, please contact us for the premium rates or plan options for other age groups.

5. Limited Time Summer Campaign – The More You Refer The More You Get!

6. How do CMU Students Stay Covered with Student Medicover?

SM Elite Users Insurance Claims Cases
Other Student Medicover Insureds Testmonials

7. How to Enroll and Waive?

STEP 1

Enroll In an Insurance Plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Date of Birth

- School: Choose Carnegie Mellon University

- Student Category: F1 International

- Coverage Period: 8/1/23-7/31/24

Step1-1

Supreme, Elite, Prime 100,Prime 500 plans meet the school's requirements to ensure the success of waive! Supreme and Elite plans are the most popular plans with the lowest deductible and the highest coinsurance.

Step1-2

Note:

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

-To avoid incurring additional fees, we recommend selecting alternative bank cards when making payments, as both BOA and PNC banks charge a handling fee for transactions.

STEP 2

Prepare Waiver Required Documents

1.Download Your Confirmation Letter and Temporary Insurance ID Card

-Go to smcovered.com to log in:

click "MY ENROLLMENTS" to download the confirmation letter.

click "DOWNLOAD ID CARD" to download the temporary insurance ID Card.

step2-1”
           style=

*If you are in urgent need of submitting the waiver, you can do so by providing a temporary insurance ID card.

*The temporary insurance ID card is for insurance waiver and registering insurance accounts only.

2.Download Your Insurance Certificate

-Go to smcovered.com and find "Review Certificates" in the "ENROLLMENT".

step2-2”
          style=

-Download the certificate of the insurance plan you enrolled.

step2-3”
          style=

STEP 3

Waive School Insurance

Note:Please refer to the 2022-2023 academic year waiver instructions below.

1. Log in to CMU SIO:

Click on Campus Life in the upper menu bar, select Health insurance

step3-1

2. Click to select "Student Waiver Process"-Highmark


step3-2

3. Select the second item


step3-3
step3-3

4. Upload and fill in the information letter as shown in the picture


step3-4

5.Agreement, sign and submit.


step3-5

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.

STEP 4

Register for Your HealthSafe ID Insurance Account.

To get your official Insurance ID card, you need to register for the HeathSafe ID insurance account.

*Due to a recent system upgrade in UHCSR, it will take 1-2 business days after the enrollment to be able to register for a HealthSafe ID insurance account and download the official insurance card.

1.Go to UHCSR.com and select "Create My Account” at the bottom to register for the HeathSafe ID insurance account


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2.Select “Register Now”

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3.Enter your name, date of birth, and choose the Identification Type

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-SR ID: the SR ID on the temporary insurance card.

-Student ID: either the student ID provided during enrollment or the student ID on the confirmation letter.



[2023 updated] Insurance Waiver Guide for UNC

[2023 updated] UNC Student Insurance Waiver Guide 

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UNC Fall 2023 Deadline to Waive

September 11,2023 11:59:59 pm EDT

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“ Simply submit your waiver with us

save up to $1,952 a year from your insurance cost! ”

1. What is an Insurance Waiver?

The university requires all international students to enroll in medical insurance while studying abroad in the United States. In your UNC student account, you will see that the University of North Carolina at Chapel Hill has automatically posted fees for the university’s Student Health Insurance Plan. 

However, international students can enroll in a surprisingly more affordable plan designed specifically for them. UNC’s insurance plan costs $3,573 a year. Alternatively, health coverage for international students can be as low as $833 a year.

An insurance waiver is an application to opt out of the school-provided plan and go with the plan that better fits your needs. For school-specific waiver regulations, please refer to your school’s website.

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2. Why are Alternative Health Insurance Plans More Affordable?

The insurance costs are calculated based on the risk factors; demographic factors are essential to the health insurance cost. Health insurance plans offered by universities or colleges are usually more expensive because the plans serve a broader range of the population, including international and domestic students.

In comparison, Student Medicover provides medical insurance specifically for international F1 students and J1 Scholars. While offering quality health insurance, Student Medicover insurance plans can often save students $1,000-$3,000 per year, with comparable or better benefits.

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3. How to Pick a Health Insurance Plan?

A good insurance plan protects you from minor illnesses, as well as serious injuries and diseases. When you’re looking for a plan, consider the following factors: 

  • The Cost

Some plans are much more cost-effective than others. But the cost is not the only factor you need to take into consideration. Cost should be compared at the same level of coverage and benefits. A plan with limited coverage can lead to catastrophic financial loss.

  • Insurance benefits

Read the insurance policies carefully, especially the schedule of benefit and exclusion sections. 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, clinics, urgent care centers, pharmacies, and hospitals wherever you need them.

Overall, it’s important to carefully compare the coverage and benefits of any health insurance plan before making a decision, as lower costs may come with trade-offs in terms of coverage or access to care.

4. Student Medicover Insurance Plans vs. UNC Insurance Plan

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By waiving UNC-sponsored Student Health Insurance with Student Medicover you can save up to $1,952!

Note: the premium rates are shown for insured under the age of 25, please contact us for the premium rates or plan options for other age groups.

5. Limited Time Summer Campaign – The More You Refer The More You Get!

6. How do UNC Students Stay Covered with Student Medicover?

SM Elite Users Insurance Claims Cases
Other Student Medicover Insureds Testmonials

7. How to Enroll and Waive?

STEP 1

Enroll in an insurance plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Birthday

- School: Choose University of North Carolina - Chapel Hill

- Student Category: F1 International

- Coverage Period: 08/01/2023-07/31/2024



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Supreme, Elite, Prime100, Prime 500 meet the school's requirements to ensure the success of waive! Supreme and Elite plans are the most popular plans with the lowest deductible and the highest coinsurance.



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Note:

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

-To avoid incurring additional fees, we recommend selecting alternative bank cards when making payments, as both BOA and PNC banks charge a handling fee for transactions.

STEP 2

Prepare Waiver Required Documents

1.Download Your Confirmation Letter and Temporary Insurance ID Card

-Go to smcovered.com to log in:

click "MY ENROLLMENTS" to download the confirmation letter.

click "DOWNLOAD ID CARD" to download the temporary insurance ID Card.

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*If you are in urgent need of submitting the waiver, you can do so by providing a temporary insurance ID card.

*The temporary insurance ID card is for insurance waiver and registering insurance accounts only.

2.Download Your Insurance Certificate

-Go to smcovered.com and find "Review Certificates" in the "ENROLLMENT".

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-Download the certificate of the insurance plan you enrolled.

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STEP 3

Waive school insurance

1. Visit the school website:
https://studentblue.bcbsnc.com/unc/login?tab=Login

log in to your account on the left.
If you are a freshman, please click on request waiver on the right, register an account, and then return to this page to log in to the account for waive.



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2. Enter the Waver process and fill in the applicant's information



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3. Fill in the account information



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Fill in the form according to the insurance information in the figure below:



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5. Select Yes, and click Continue



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6. Submit after confirming the information:



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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.

STEP 4

Register for Your HealthSafe ID Insurance Account.

To get your official Insurance ID card, you need to register for the HeathSafe ID insurance account.

*Due to a recent system upgrade in UHCSR, it will take 1-2 business days after the enrollment to be able to register for a HealthSafe ID insurance account and download the official insurance card.

1.Go to UHCSR.com and select "Create My Account” at the bottom to register for the HeathSafe ID insurance account



step4-1

2.Select “Register Now”

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3.Enter your name, date of birth, and choose the Identification Type

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-SR ID: the SR ID on the temporary insurance card.

-Student ID: either the student ID provided during enrollment or the student ID on the confirmation letter.