[2023 updated] Insurance Waiver Guide for Hartford

[2023 updated] Hartford Student Insurance Waiver Guide 


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 2023-2024. However, the school still encourages all students to maintain health insurance, and UHart officially recommends Student Medicover health insurance plans.

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University of Hartford Official Website

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.

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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.

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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.

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Note: the Supreme, Elite,Prime 100, and Prime 500 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 UHartford Students Stay Covered with Student Medicover?

SM Elite Users Insurance Claims Cases
Other Student Medicover Insureds Testmonials

7. How to Enroll?


Enroll In an Insurance Plan

Visit smcovered.com, scroll down to "Enrollment"

- Choose your Date of Birth

- School: Choose University of Hartford

- Student Category: F1 International

- Coverage Period: 8/1/2023-7/31/2024

To ensure adequate coverage, we suggest opting for a minimum coverage period of one policy year.However, we understand that individual circumstances may require flexibility.

You have the option to choose a coverage period that is at least 90 days to meet your specific needs.

If you need to modify the coverage period, please feel free to contact us at sm@smcovered.com. Our team will be more than happy to assist you!



Choose The Student Medicover Health Insurance Plan

Supreme and Elite plans are the officially recommended insurance by UHart with the lowest deductible and the highest coinsurance.



-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.


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


2.Select “Register Now”


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


-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.