Please click this link to search for participating physicians, hospitals, facilities, medical equipment, or supplies in your local 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. He or she 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 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 care fast but your primary care physician may be unavailable. Urgent care centers can help treat different minor injuries so you don’t have to wait as long as the emergency room. Chances are, the price goes down as well. An urgent care center can help with:
If you’re seriously injured or experience other 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 personal issues — from everyday challenges to more serious problems. And it is available around the clock, whenever you need it. You have access to a wide range of support services, including:
BetterHelp is a leading online professional counseling platform. You can receive personal, professional help from trained, experienced, and accredited counselors covering a range of areas – from depression and anxiety to family and couples therapy. With Student Medicover, your communication with a BetterHelp counselor is covered 100% 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 the ID Card will allow the medical institution to send your bill directly to the insurance company and there is no need for you to file a claim after your visit.
Translation services Some care providers provide free translation services. If you don’t feel comfortable using English, you can always ask for a translation service at the medical institution.
Communicate with doctors Consider this checklist to help you prepare for your next doctor visit to better describe your health condition and concerns to your doctor.After your visit
Visit a pharmacy Visit a network pharmacy to get your medication by showing your prescriptions. Student Medicover’s Preferred, Prime, and Elite plans provide prescription medication benefits.
Learn about covered medications The 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 medications You can save expenses on medication by visiting a network pharmacy and using lower tier medications, such as generics. Ask your doctor for a medication in a lower tier.If you bring your insurance card with you while visiting an in-network doctor or hospital, there is no need for you to file a claim after your visit.
If your 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 and Tax ID
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 on your UHCSR account after the claimed 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 costs of a covered health care service the insurance company pays after you’ve paid 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.
Kindness and patience are at the core of our customer support team. Our representatives will help you with any issues related with using your health insurance, doctor visits, downloading insurance IDs, and filing claims.
