[2024 – 2025] F1/J1/OPT Health Insurance for UHartford
UHart Health Insurance Requirements Update:
There is no online waiver requirement because the University of Hartford does not mandate health insurance for the academic year 2024-2025. However, the school still encourages all students to maintain health insurance, and UHart officially recommends Student Medicover health insurance plans.
University of Hartford Official Website
Navigation：
- Why Do You Need to Enroll in Health Insurance in the U.S.?
- Why are Student Medicover Health Insurance Plans More Affordable?
- How to Pick a Health Insurance Plan?
- Student Medicover Insurance Plans for UHartford.
- Limited Time Summer Campaign – The More You Refer The More You Get!
- How do UHartford Students Stay Covered with Student Medicover?
- How to Enroll?
Navigation
1. Why Do You Need to Enroll in Health Insurance in the U.S.?
Having health insurance is essential when studying abroad in the USA for several important reasons. First and foremost, healthcare costs in the United States are notoriously high, and without insurance, even minor medical expenses can quickly become overwhelming financial burdens. Having health insurance provides financial protection, ensuring that you can access necessary medical care without incurring exorbitant out-of-pocket expenses.
Additionally, health insurance provides access to a network of healthcare providers, giving you peace of mind knowing that you can receive quality medical treatment whenever needed. It also allows you to access preventive care, such as routine check-ups and vaccinations, which are crucial for maintaining good health while studying abroad.
*Student Medicover Supreme, Elite, Prime 100, Prime 500, and Global Care Plus plans all utilize the UHC Choice Plus PPO medical network, offering nationwide coverage with wider networks and amazing network discounts on medical bills.
Furthermore, health insurance often includes coverage for emergencies and unforeseen situations. In the event of an accident, illness, or medical emergency, having insurance ensures that you can receive prompt and appropriate medical attention without incurring massive expenses. This coverage extends to hospital stays, surgeries, medications, and specialized treatments, offering comprehensive protection for your well-being.
2. Why are Student Medicover 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.
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 for UHartford.
Supreme
UHCSR Top Level Coverage Plan
Add-on medical and insurance benefits
- $0 Deductible
- 90% Coinsurance
- $20 Copay Physician Visit
- $5,000 Out-of-pocket Maximum
- $200 Adult Vision Benefit
- $1,600 Value Add-On Benefits
Elite
Deductible Low to $0
Coinsurance Up to 90%
- $0 Deductible
- 90% Coinsurance
- $20 Copay Physician Visit
- $5,000 Out-of-pocket Maximum
- $200 Adult Vision Benefit
- $1,600 Value Add-On Benefits
Prime 100
Affordable Deductible
$200 Adult Vision Benefit
- $100 Deductible
- 80% Coinsurance
- $25 Copay Physician Visit
- $6,350 Out-of-pocket Maximum
- $200 Adult Vision Benefit
- $1,600 Value Add-On Benefits
Prime 500
100% Cover Preventive Care
School Vaccinations in Preferred Providers
- $500 Deductible
- 80% Coinsurance
- $50 Copay Physician Visit
- $7,350 Out-of-pocket Maximum
- $200 Adult Vision Benefit
- $1,600 Value Add-On Benefits
GC Plus
Preferred Option for Students of Age 25 and 26
- $500 Deductible
- 80% Coinsurance
- $30 Copay Physician Visit
- $6,850 Out-of-pocket Maximum
- $200 Adult Vision Benefit
- $1,600 Value Add-On Benefits
Note: the Supreme, Elite,Prime 100, and Prime 500 premium rates shown are for insureds under the age of 25, the Global Care Plus premium rate shown are for insureds the age of 25 and 26. 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 UHartford Students Stay Covered with Student Medicover?
SM Users Insurance Claims Cases
Other Student Medicover Insureds Testmonials
7. How to Purchase Student Medicover Insurance?
01
Enroll in Student Medicover Insurance Plan
– Type or Choose Your Education Institution: University of Hartford
– Choose Visa Status
– Choose your Date of Birth
02
Select the Insurance Plan that Best Fits Your Needs
– Choose Coverage Period
*The coverage date must be at least 90 days. You can choose the number of days you want to be covered based on your semester needs.
– Choose A Plan
Supreme is a highly popular plan for its the low deductible and the high coinsurance, while Prime 500 stands out for its affordability.
03
Create a Student Medicover Account or Log In
– If you already have an account, simply log in.
– If you are a new user, create an account by providing your personal details.
If you do not have a US-based address, please check the box labeled “I don’t have a US-based address.”
Please remember your student ID for downloading the official insurance card.
– Check the box at the bottom
– Click “Next”
– Verify that the information is correct, then click “Confirm”
04
Complete the Payment to Finalize Enrollment
– Choose your preferred payment method and complete the payment process.
*If you are paying with a VISA card from your home country’s bank, please use your home country address for the billing address.
05
Access Your Insurance Documents（Proof of Insurance）
- Confirmation Letter and Policy Certificate
-Click the “LOGIN” button at the top right corner of this page and enter your account credentials to log in.
– Open the Authenticator App
– You can download “Duo Mobile,” “Google Authenticator,” or similar apps from the app store.
– Use the Authenticator App to scan the QR code displayed on the login page.
– Enter the code from the app to complete the login verification.
(If you encounter any login issues, please contact the assistant at the end of the blog for personalized guidance.)
– Click on “Document Center” to download the Confirmation Letter and Policy Certificate.
*If the new insurance plan has not yet taken effect, please download the documents from the “Future Coverage” section.
- Official Insurance Card
-To download your official insurance card, please visit www.uhcsr.com. Click here to view the detailed process of downloading your insurance card.
8. Contact Us for 1-on-1 Enrollment assistance.
