{"id":808,"date":"2019-03-29T06:25:15","date_gmt":"2019-03-29T06:25:15","guid":{"rendered":"https:\/\/smcovered.com\/?page_id=808"},"modified":"2025-07-03T14:18:38","modified_gmt":"2025-07-03T21:18:38","slug":"how-to-use","status":"publish","type":"page","link":"https:\/\/smcovered.com\/cn\/how-it-works\/how-to-use\/","title":{"rendered":"How to Use"},"content":{"rendered":"<p>[vc_row disable_element=&#8221;yes&#8221; el_class=&#8221;student-medi-banner_bg&#8221; css=&#8221;.vc_custom_1557729423074{padding-top: 90px !important;padding-bottom: 90px !important;background-image: url(https:\/\/smcovered.com\/wp-content\/uploads\/2019\/04\/how-use-banner.jpg?id=920) !important;}&#8221;][vc_column][vc_row_inner el_class=&#8221;container&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text el_class=&#8221;banner-title-sm&#8221;]<\/p>\n<h1>Use insurance to stay healthy and thrive.<\/h1>\n<p class=\"sm-hto-use_banner\">We\u2019re here to make things simple.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_class=&#8221;tab-bg-part_htouse&#8221;][vc_column][vc_row_inner el_class=&#8221;container&#8221;][vc_column_inner][vc_column_text el_class=&#8221;num-step-tabs&#8221;]<\/p>\n<ul>\n<li>\n<h3>STEP<\/h3>\n<p><a class=\"section01 active\" href=\"#tab-section-01\" data-scroll=\"\">1<\/a><\/p>\n<h4>\u9009\u62e9<br \/>\n\u4fdd\u9669\u8ba1\u5212<\/h4>\n<\/li>\n<li>\n<h3>STEP<\/h3>\n<p><a class=\"section02\" href=\"#tab-section-02\" data-scroll=\"\">2<\/a><\/p>\n<h4>\u83b7\u53d6<br \/>\n\u4fdd\u9669\u5361<\/h4>\n<\/li>\n<li>\n<h3>STEP<\/h3>\n<p><a class=\"section03\" href=\"#tab-section-03\" data-scroll=\"\">3<\/a><\/p>\n<h4>\u9009\u62e9<br \/>\n\u5bf9\u5e94\u79d1\u5ba4<\/h4>\n<\/li>\n<li>\n<h3>STEP<\/h3>\n<p><a class=\"section04\" href=\"#tab-section-04\" data-scroll=\"\">4<\/a><\/p>\n<h4>\u67e5\u627e\u7f51\u7edc\u5185<br \/>\n\u533b\u7597\u673a\u6784<\/h4>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1556112041607{padding-top: 64px !important;background-image: url(https:\/\/smcovered.com\/wp-content\/uploads\/2019\/04\/bg-section-02.png?id=1998) !important;}&#8221; el_id=&#8221;things-to-consider&#8221;][vc_column][vc_row_inner el_class=&#8221;container howto-use-intro_box&#8221; el_id=&#8221;tab-section-01&#8243; css=&#8221;.vc_custom_1556265500289{padding-top: 50px !important;padding-bottom: 30px !important;}&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;right-plan-section&#8221;]<\/p>\n<h3 style=\"text-align: left;\"><span style=\"color: #e93e33; font-size: 26px; font-family: 'Conv_CircularStd-Bold',Helvetica, sans-serif; font-weight: bold; line-height: 35px;\">STEP 1<\/span><\/h3>\n<h2 style=\"text-align: left;\"><span style=\"color: #4a4a4a; font-size: 36px; font-family: 'Conv_CircularStd-Bold',Helvetica, sans-serif; font-weight: bold;\">\u9009\u62e9\u4fdd\u9669\u8ba1\u5212<\/span><\/h2>\n<p style=\"text-align: left; font-size: 16px;\">\u4e00\u6b3e\u597d\u7684\u5065\u5eb7\u4fdd\u9669\u53ef\u4ee5\u4e3a\u4f60\u63d0\u4f9b\u5b8c\u5584\u7684\u4fdd\u969c\uff0c\u8ba9\u4f60\u968f\u65f6\u968f\u5730\u627e\u5230\u503c\u5f97\u4fe1\u8d56\u7684\u533b\u751f\u3002<\/p>\n<div class=\"sm-button-to_use\"><a href=\"https:\/\/smcovered.com\/cn\/enrollment\/choose-a-plan\/\">\u9009\u62e9\u4fdd\u9669\u8ba1\u5212<\/a><\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;1904&#8243; img_size=&#8221;250&#8243; alignment=&#8221;right&#8221; el_class=&#8221;single-img-content04&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1556106832456{background-color: #f8f8f8 !important;}&#8221;][vc_column][vc_row_inner el_class=&#8221;container choose-plan-hover-tab&#8221;][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1556799812780{margin-bottom: 20px !important;}&#8221;][vc_hoverbox image=&#8221;1911&#8243; primary_title=&#8221;\u67e5\u770b\u4fdd\u9669\u653f\u7b56&#8221; primary_title_font_container=&#8221;font_size:20px|color:%23ffffff|line_height:27px&#8221; hover_title=&#8221;&#8221; shape=&#8221;square&#8221; hover_background_color=&#8221;custom&#8221; el_width=&#8221;90&#8243; css_animation=&#8221;none&#8221; use_custom_fonts_primary_title=&#8221;true&#8221; use_custom_fonts_hover_title=&#8221;true&#8221; primary_title_el_class=&#8221;hover-box-text&#8221; hover_custom_background=&#8221;#e93e33&#8243; el_class=&#8221;hover-block-vs_sm&#8221;]<\/p>\n<h2 class=\"custom-heading-img\">\u67e5\u770b\u4fdd\u9669\u653f\u7b56<\/h2>\n<p>&nbsp;<\/p>\n<p class=\"custom-para-img_hover\">\u5728\u9009\u62e9\u8ba1\u5212\u65f6\uff0c\u6bd4\u8f83\u81ea\u4ed8\u989d\u3001\u8d54\u4ed8\u6bd4\u4f8b\uff0c\u73b0\u91d1\u652f\u4ed8\u6700\u9ad8\u989d\u548c\u5171\u4ed8\u989d\uff1a<\/p>\n<p>&nbsp;<\/p>\n<p><a class=\"tab-button-vc section-01_001\" style=\"color: #d71112; background: #fff; padding: 6px 20px; border-radius: 50px; text-decoration: none;\" href=\"#inner-tab-01\" data-toggle=\"tab\">\u4e86\u89e3\u66f4\u591a<\/a>[\/vc_hoverbox][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1556799820627{margin-bottom: 20px !important;}&#8221;][vc_hoverbox image=&#8221;1912&#8243; primary_title=&#8221;\u63a2\u7d22\u533b\u7597\u7f51\u7edc&#8221; primary_title_font_container=&#8221;font_size:20px|color:%23ffffff|line_height:27px&#8221; hover_title=&#8221;&#8221; shape=&#8221;square&#8221; hover_background_color=&#8221;custom&#8221; el_width=&#8221;90&#8243; use_custom_fonts_primary_title=&#8221;true&#8221; primary_title_el_class=&#8221;hover-box-text&#8221; hover_custom_background=&#8221;#ffb200&#8243; el_id=&#8221;hover-block-vs_sm&#8221;]<\/p>\n<h2 class=\"custom-heading-img\">\u6bd4\u8f83\u533b\u7597\u7f51\u7edc<\/h2>\n<p>&nbsp;<\/p>\n<p class=\"custom-para-img_hover\">\u597d\u7684\u533b\u7597\u7f51\u7edc\u53ef\u80fd\u8ba9\u4f60\u5728\u968f\u65f6\u968f\u5730\u67e5\u627e\u5230\u5408\u4f5c\u533b\u7597\u673a\u6784\uff0c\u770b\u75c5\u66f4\u8f7b\u677e\u66f4\u4fbf\u5b9c\u3002<\/p>\n<p>&nbsp;<\/p>\n<p class=\"custom-para-img_hover\"><a class=\"tab-button-vc section-01_002\" style=\"color: #f2aa00; background: #fff; padding: 6px 20px; border-radius: 50px; text-decoration: none;\" href=\"#inner-tab-02\" data-toggle=\"tab\">\u4e86\u89e3\u66f4\u591a<\/a><\/p>\n<p>[\/vc_hoverbox][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; css=&#8221;.vc_custom_1556799827523{margin-bottom: 20px !important;}&#8221;][vc_hoverbox image=&#8221;1913&#8243; primary_title=&#8221;\u8003\u8651\u533b\u7597\u9700\u6c42&#8221; primary_title_font_container=&#8221;font_size:20px|color:%23ffffff|line_height:27px&#8221; hover_title=&#8221;&#8221; shape=&#8221;square&#8221; hover_background_color=&#8221;custom&#8221; el_width=&#8221;90&#8243; use_custom_fonts_primary_title=&#8221;true&#8221; use_custom_fonts_hover_title=&#8221;true&#8221; primary_title_el_class=&#8221;hover-box-text&#8221; hover_custom_background=&#8221;#0091fe&#8221; el_class=&#8221;hover-block-vs_sm&#8221;]<\/p>\n<h2 class=\"custom-heading-img\">\u8003\u8651\u81ea\u8eab\u9700\u6c42<\/h2>\n<p>&nbsp;<\/p>\n<p class=\"custom-para-img_hover\">\u4e86\u89e3\u8be5\u4fdd\u9669\u8ba1\u5212\u662f\u5426\u6db5\u76d6\u4e86\u4f60\u9700\u8981\u7684\u836f\u7269\u6216\u533b\u7597\u670d\u52a1\u3002<\/p>\n<p>[\/vc_hoverbox][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1556110280715{background-color: #f8f8f8 !important;}&#8221; el_class=&#8221;tab-inner-content-choose_plan&#8221;][vc_column][vc_row_inner el_class=&#8221;container hover_click_after&#8221; css=&#8221;.vc_custom_1556801596714{padding-bottom: 30px !important;background-color: #f2f2f2 !important;}&#8221;][vc_column_inner][vc_column_text]<\/p>\n<div class=\"tab-content\">\n<div id=\"inner-tab-01\" class=\"review-summary tab-pane fade\">\n<h4>\u5728\u9009\u62e9\u8ba1\u5212\u65f6\uff0c\u6bd4\u8f83\u81ea\u4ed8\u989d\u3001\u8d54\u4ed8\u6bd4\u4f8b\uff0c\u5171\u4ed8\u989d\u548c\u6700\u9ad8\u652f\u4ed8\u9650\u989d:<\/h4>\n<ul>\n<li>\n<h4>\u81ea\u4ed8\u989d Deductible:<\/h4>\n<p>\u5728\u4fdd\u9669\u516c\u53f8\u5f00\u59cb\u8d54\u4ed8\u524d\uff0c\u6295\u4fdd\u4eba\u81ea\u5df1\u652f\u4ed8\u7684\u91d1\u989d\u3002<\/li>\n<li>\n<h4>\u8d54\u4ed8\u6bd4\u4f8b Coinsurance:<\/h4>\n<p>\u81ea\u4ed8\u989d\u652f\u4ed8\u6ee1\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u4e3a\u533b\u7597\u8d39\u7528\u8d54\u4ed8\u7684\u767e\u5206\u6bd4\u3002<\/li>\n<li>\n<h4>\u5171\u4ed8\u989d Copayment:<\/h4>\n<p>\u5bf9\u67d0\u4e9b\u7279\u5b9a\u9879\u76ee\uff0c\u6bcf\u6b21\u770b\u75c5\u65f6\u81ea\u5df1\u9700\u8981\u652f\u4ed8\u7684\u4e00\u5b9a\u91d1\u989d\u3002<\/li>\n<li>\n<h4>\u6700\u9ad8\u81ea\u4ed8\u9650\u989d Out-of-pocket Maximum:<\/h4>\n<p>\u5728\u4e00\u4e2a\u4fdd\u9669\u653f\u7b56\u5e74\u4e2d\uff0c\u4f60\u6c38\u8fdc\u4e0d\u4f1a\u652f\u4ed8\u8d85\u8fc7\u6700\u9ad8\u81ea\u4ed8\u9650\u989d\u3002\u73b0\u91d1\u652f\u4ed8\u6700\u9ad8\u91d1\u989d\u5305\u62ec\u60a8\u7684\u6240\u6709\u5171\u4ed8\u989d\uff0c\u81ea\u4ed8\u989d\u548c\u5171\u540c\u4fdd\u9669\u91d1\u3002<\/li>\n<\/ul>\n<div class=\"col-sm-6\"><\/div>\n<\/div>\n<div id=\"inner-tab-02\" class=\"insurnce-network tab-pane fade\">\n<h4>\u4ec0\u4e48\u662f\u533b\u7597\u7f51\u7edc?<\/h4>\n<p>\u7f51\u7edc\u7531\u5408\u4f5c\u7684\u533b\u751f\u3001\u533b\u9662\u548c\u5176\u4ed6\u533b\u7597\u673a\u6784\u7ec4\u6210\uff0c\u8fd9\u4e9b\u533b\u7597\u673a\u6784\u5df2\u4e0e\u4fdd\u9669\u516c\u53f8\u8fbe\u6210\u534f\u8bae\uff1a\u5f53\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u7684\u6295\u4fdd\u4eba\u4f7f\u7528\u4ea7\u54c1\u6216\u670d\u52a1\u65f6\uff0c\u533b\u7597\u673a\u6784\u5df2\u4e0e\u4fdd\u9669\u516c\u53f8\u7684\u534f\u8bae\u4ef7\u683c\u3002<\/p>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_class=&#8221;get_insurance_id&#8221; css=&#8221;.vc_custom_1559216733032{background-color: #f8f8f8 !important;}&#8221;][vc_column][vc_row_inner el_class=&#8221;container howto-use-intro_box&#8221; el_id=&#8221;tab-section-02&#8243;][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;4647&#8243; img_size=&#8221;300*300&#8243; el_class=&#8221;single-img-res_inner single-img-content04&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text el_class=&#8221;inner-element-content5&#8243;]<\/p>\n<h3 style=\"text-align: left;\"><span style=\"color: #e93e33; margin-bottom: 0px; font-size: 26px; font-family: 'Conv_CircularStd-Bold',Helvetica, sans-serif; font-weight: bold; line-height: 35px;\">STEP 2<\/span><\/h3>\n<h2 style=\"text-align: left;\"><span style=\"color: #4a4a4a; font-size: 36px; font-family: 'Conv_CircularStd-Bold',Helvetica, sans-serif; font-weight: bold;\">\u83b7\u53d6\u4fdd\u9669\u5361<\/span><\/h2>\n<p><span style=\"color: #4a4a4a; font-size: 16px;\">\u5728\u4fdd\u9669\u516c\u53f8\u5b8c\u6210\u5904\u7406\u5e76\u4e0a\u4f20\u4f60\u7684\u4fe1\u606f\u540e\uff0c\u5c31\u53ef\u4ee5\u524d\u5f80\u5b98\u7f51\u4e0b\u8f7d\u4fdd\u9669\u5361\u4e86\u3002\u4f7f\u7528\u4fdd\u9669\u5361\u770b\u75c5\u53ef\u4ee5\u8ba9\u770b\u75c5\u66f4\u65b9\u4fbf\uff0c\u8282\u7701\u4fdd\u9669\u7406\u8d54\u6b65\u9aa4\uff1a\u533b\u7597\u673a\u6784\u53ef\u4ee5\u4f7f\u7528\u4fdd\u9669\u5361\u4e0a\u7684\u4fe1\u606f\u5411\u4fdd\u9669\u516c\u53f8\u53d1\u9001\u8d26\u5355\uff0c\u8981\u6c42\u7406\u8d54\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<div class=\"sm-button-to_use\"><a href=\"https:\/\/smcovered.com\/cn\/visit-a-doctor\/insurance-id\/\">\u83b7\u53d6\u4fdd\u9669\u5361<\/a><\/div>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1556106857121{padding-top: 60px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #f8f8f8 !important;}&#8221; el_class=&#8221;wtu-halthcare&#8221; el_id=&#8221;tab-section-03&#8243;][vc_column css=&#8221;.vc_custom_1554115384108{padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;}&#8221; el_class=&#8221;wtu-halthcare_con container&#8221;][vc_column_text el_class=&#8221;custom-text-heading&#8221; css=&#8221;.vc_custom_1658338051498{padding-right: 20px !important;padding-left: 20px !important;}&#8221;]<\/p>\n<h3 style=\"text-align: center;\"><span style=\"color: #e93e33; font-size: 26px; font-family: 'Conv_CircularStd-Bold',Helvetica, sans-serif; font-weight: bold; line-height: 35px;\">STEP 3<\/span><\/h3>\n<h2 style=\"text-align: center; margin-top: 0px;\"><span style=\"color: #4a4a4a; font-size: 36px; font-family: 'Conv_CircularStd-Bold',Helvetica, sans-serif; font-weight: bold;\">\u9009\u62e9\u533b\u7597\u670d\u52a1<\/span><\/h2>\n<p>[\/vc_column_text][vc_tta_tabs shape=&#8221;square&#8221; active_section=&#8221;1&#8243; css_animation=&#8221;fadeIn&#8221; el_class=&#8221;wtu-halthcare_tabs&#8221; css=&#8221;.vc_custom_1557319610582{margin-bottom: 0px !important;}&#8221;][vc_tta_section title=&#8221;\u5728\u7ebf\u533b\u751f&#8221; tab_id=&#8221;1554112701094-e80da0db-1b85&#8243; el_class=&#8221;tab-online-doctor&#8221;][vc_custom_heading text=&#8221;\u514d\u8d39\u5728\u7ebf\u533b\u751f\u54a8\u8be2&#8221; font_container=&#8221;tag:h2|font_size:26px|text_align:left|color:%234a4a4a|line_height:48px&#8221; google_fonts=&#8221;font_family:Lato%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal&#8221;][vc_column_text el_class=&#8221;custom-para_inner-002&#8243;]\u4f7f\u7528\u5728\u7ebf\u533b\u751f\u54a8\u8be2\u53ef\u4ee5\u8ba9\u4f60\u8db3\u4e0d\u51fa\u6237\u8f7b\u677e\u770b\u75c5\uff0c\u9ad8\u6548\u7701\u65f6\u3002\u5728<a class=\"sp-sm-sp1\" href=\"https:\/\/healthiestyou.com\" target=\"_blank\" rel=\"noopener\">HealthiestYou<\/a> \u4e0a\uff0c\u4f60\u53ef\u4ee5\u901a\u8fc7\u7535\u8bdd\u6216\u5728\u7ebf\u8fde\u7ebf\u503c\u5f97\u4fe1\u8d56\u7684\u533b\u751f\u3002\u6b64\u9879\u670d\u52a1100%\u5305\u542b\u4e8e Student Medicover \u4fdd\u9669\u8ba1\u5212\u5185\uff0c\u9002\u7528\u4e8e\u76ae\u75b9\u3001\u5589\u5499\u75db\u7b49\u8f7b\u5fae\u75be\u75c5\u7684\u8bca\u7597\u3002<\/p>\n<p><span class=\"TextRun SCXW242647023 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW242647023 BCX0\">*Healthiest You \u4ec5\u9002\u7528\u4e8e18\u5c81\u53ca\u4ee5\u4e0a\u6295\u4fdd\u4eba\u3002\u6b64\u670d\u52a1\u4e0d\u9002\u7528\u4e8e\u9ad8\u4e2d\u751f\u8ba1\u5212\u7684\u6295\u4fdd\u7528\u6237\u3002<\/span><\/span>[\/vc_column_text][vc_empty_space height=&#8221;0px&#8221;][\/vc_tta_section][vc_tta_section title=&#8221;\u5168\u79d1\u533b\u751f&#8221; 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img_size=&#8221;335&#8243; alignment=&#8221;right&#8221; css=&#8221;.vc_custom_1556800626163{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;single-img-res_inner single-img-content04&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row disable_element=&#8221;yes&#8221; el_class=&#8221;student-medi-banner_bg&#8221; css=&#8221;.vc_custom_1557729423074{padding-top: 90px !important;padding-bottom: 90px !important;background-image: url(https:\/\/smcovered.com\/wp-content\/uploads\/2019\/04\/how-use-banner.jpg?id=920) !important;}&#8221;][vc_column][vc_row_inner el_class=&#8221;container&#8221;][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text el_class=&#8221;banner-title-sm&#8221;] Use insurance to stay healthy and thrive. We\u2019re here to make things simple. 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