A network is a group of health care providers and facilities that have a contract with UnitedHealthcare. You can receive care and services from providers both in and out of the network, but you will save more when visiting Preferred Providers within the national PPO network.
Please refer to Section 5 of your policy certificate for the preferred providers network information. Click on the corresponding network below to search for participating physicians, hospitals, facilities, medical equipment, or supplies in your local school area.
To locate a care provider near your location, enter a street address, city, and state, or a 5-digit zip code.
Enter Primary Care Physicians, Hospitals, or Urgent Care Centers in the search bar. To select by medical care categories, click the tabs below the search bar.
Your primary care physician knows you and your health history. They can access your medical records. If it’s not urgent, it’s usually best to go to your own physician’s office. Visit your Primary Care Physician for:
A specialist is a doctor with expertise in a 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.
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:
Sometimes you may need immediate care but your primary care physician may be unavailable. Urgent care centers can treat minor injuries, helping you avoid the long wait times at the emergency room. Chances are, the price goes down as well. An urgent care center can help with:
If you are seriously injured or experiencing a 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:
United Behavioral Health provides confidential support for a wide range of challenges — from everyday stress to more serious mental health concerns. And it is available around the clock, whenever you need it. You have access to a wide range of support services, including:
HealthiestYou is a leading online professional counseling platform. You can receive personal, expert support from trained, experienced, and licensed counselors in areas ranging from depression and anxiety to family and couples’ therapy.
With Student Medicover, your sessions with a HealthiestYou counselor are 100% covered during your policy period.
Before your visit
Choose a time slot Between 10 AM and 2 PM are the peak hours for doctors or medical care institutions. You can choose to avoid the peak time. Mondays are usually more available. 
Choose a doctor You can choose a doctor based on the reviews, experience, and availability of the doctor and your budget. 
Explain your needs If you have an urgent situation, you can always explain your health condition to the nurse before seeing the doctor. During your visit
Bring your insurance ID Card If you are using an in-network service, bringing your ID card allows the medical provider to send your bill directly to the insurance company, so you don’t need to file a claim after your visit. 
Translation services Some care providers offer free translation services. If you don’t feel comfortable using English, you can always ask for language assistance at the clinic or hospital. 
Communicate with doctors Consider using a checklist to help you prepare for your visit. It will help you clearly describe your symptoms and health concerns to the doctor. After your visit
Visit a pharmacyVisit a network pharmacy to get your medication by showing your prescriptions. Student Medicover’s Supreme, Elite, Prime100, Prime500 plans provide prescription medication benefits.
Learn about covered medicationsThe UnitedHealthcare Prescription Drug List (PDL) is the list of medications that are covered by the plan. The PDL is organized by cost levels, known as tiers. Choosing generic drugs may save you money.
Save on your medicationsYou can save money on prescriptions by visiting an in-network pharmacy and asking for lower-tier medications, such as generics. Ask your doctor if a more affordable alternative is available. If you bring your insurance card with you when visiting an in-network doctor or hospital, you don’t need to file a claim after your visit.
If you do need to file a claim, please send the following documents to UnitedHealthcare Student Resources:
Itemized billPlease ask your doctor or hospital for a itemize bill with procedure Code, Diagnosis Code, Tax ID, Date of service, Cost Amount, Address and Phone Number
Proof of paymentBank statement can be downloaded from your bank account
Copy of insurance cardYou may download an e-copy of your insurance card on UHCSR.com
For detailed instructions, please check How to Claim
You can review the Explanation of Benefits (EOB) on your UHCSR account after the claim is processed.
Copayment (or co-pay)
You’ll usually pay a fixed amount of money for each covered doctor visit or prescription
Deductible
The amount you pay for covered health care services before your insurance plan starts to pay. A deductible may not apply to all services.
Coinsurance
The percentage of a covered service’s cost that the insurance company pays after you’ve met your deductible.
Out-of-pocket Maximum
The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn’t include your monthly premiums. It also doesn’t include anything you spend for services your plan doesn’t cover.
United Healthcare provide free services to help you communicate with us. Such as, letters in other languages or large print. Or, you can ask for an interpreter.
English To ask for help, please call the toll-free phone number listed on your ID card, TTY 711, Monday through Friday, 8 a.m. to 8 p.m. If you are not a member, please call 888-383-9253.
Español ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al número de teléfono gratuito que aparece en su tarjeta de identificación. Si no es miembro de UHC, llame al 888-383-9253.
中文 请注意：如果您说中文，我们免费为您提供语言协助服务。请拨打会员卡所列的免费付费会员电话号码。如果您不是UHC会员，请拨打888-383-9253。At the heart of our customer support team are kindness and patience. Whether you need help navigating your health insurance, scheduling doctor visits, accessing your insurance ID, or filing claims, our dedicated representatives are here to guide you with care and expertise.
