Download - Healthy, Happy and Helping
Healthy, Happy & Helping: Healthcare for International Students in the US
Introduction
Annemarie EstradaDirector of Client ServicesInternational Student Insurance
Meghan LaneAssistant Director, DSO/AROUniversity of South Florida
Kelly HallAssistant Director, INTO USF ImmigrationUniversity of South Florida
Agenda
• Intro to the US Healthcare System• Seeking Appropriate Treatment • Affordable Care Act• Risk Factors to Watch Out For• Staying Healthy – Mind and Body• Conclusion and Interactive Forum
Healthcare Outside the US
Nationalized health care Hospitalization for major and minor conditions Medical treatment is less expensive Slower access to non-emergency treatment
Introduction to the U.S. Healthcare System
Is Health Insurance Necessary? YES! Prepare to pay out of pocket
No government assistance
Using Health Insurance in the U.S. PPO Networks
Pre-certification
Pre-existing conditions
EME/Repatriation
Introduction to the U.S. Healthcare System
Why Students Seek Treatment Cold/ Flu
General Sickness/ Feeling Unwell
Acute Sickness/ Injuries /Emergencies
Where Students Seek Treatment is Important Student Health Center
Doctor’s Office (Primary Care Provider)
Urgent Care Center/ Walk-in Clinic
Emergency Room
Affordable Care ActFacing the Change
AFFORDABLE CARE ACT
Affordable Care Act – Final Rule
Student health insurance coverage is a written agreement between an institution of higher education and a health insurance issuer and provided to students and their dependents
If coverage is sold directly to a student, then the coverage is individual health insurance coverage.
Affordable Care Act What this means for you? Annual Limits
• Policy year September 24, 2012 until December 31, 2013: Annual limits of no less than $500,000
• Policy year on or after January 1, 2014: No annual limits
Preventative Care• Student health coverage is required to provide preventive
services without cost-sharing.
Lifetime Limits• Plan may not impose lifetime limits
Pre-existing condition limitations• Plans may not impose pre-existing condition limitation on those
younger than age 19.• After January 2014, pre-existing conditions cannot be excluded
Clarity on the ACA
IRS enforces individual mandate based on resident vs. non-resident alien analysis
F, M, Q and J visa holders are exempt for 5 years from:
maintaining minimum essential coverage
International students can choose their plan:
School’s group plan
Individual health insurance
State exchanges
International students will still need to meet the US Department of State (J visa) and their school’s insurance minimums
http://www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision
Play Healthcare video
http://www.internationalstudentinsurance.com/explained/us-healthcare-system-video.php
What Students Need To Know
Before Arrival Routine Dental
Physical Exams
Eye Exams
Maintenance Drugs
Vaccinations/Immunizations
Secure Insurance
After Arrival
Orientation
• Student Health Center
• Advisors and Support Staff
Campus/City Tour
• Nearby health providers
• Pharmacies
What Students Need To Know
Risk Factors To Watch Out For
Loneliness
Risky behavior
Drugs/Alcohol
Depression
Behavioral Issues
Stigma associated with mental health
Staying HealthyMind and Body
College Experience• Intramural/Intercollegiate/Club Sports
• School associations
• Religious/cultural organizations
• Gym and recreational areas
• Unifying student body
Resources
Developing a Support System• Advisors and Support Staff
• Mental health counselors
Developing a healthy lifestyle• Exercise
• Eating
• Sleep
Case Study Instructions
We will analyze three case studies of medical issues that can arise with international students.
As a group, discuss the issues and how you would address the problem.
Henrietta Potter who is an international student from the United Kingdom and Florida School. She is playing volleyball on the beach with some friends and falls and breaks a collar bone. She doesn’t have health insurance, what things should she consider prior to seeking treatment?
- Student health center- Negotiating with the provider about non-insured cash
discounts- Do not go to the emergency room, go to the urgent care
center- Shop around for discount pharmacies- Buy insurance for the future
Case Study #1
Young Hwa Kim , an J-1 scholar from South Korea, at Troy School was diagnosed with severe paranoid schizophrenia. This is a condition that usually manifests itself during late teen or early 20’s. She was hospitalized in a psychiatric institution and was unable to continue her studies, however she was also deemed unfit to travel without a medical escort. What action plan does your school currently have to deal with a situation like this?
- Have medical evacuation coverage and mental health coverage on your insurance plan (J minimum health coverage not always enough)
- Communicating with the natural family, provider, insurance, etc.
Case Study #2
Desiree Marley an international student from Jamaica attending Sunny College finds out she’s pregnant 2 years into her program. She has the school’s insurance plan, however the policy does not cover maternity. She has two more years left in her program and is committed to completing her degree. What are the best practices to handle this case?
- Student Health Center- Local charities/non-profits- Negotiating with women’s clinics- Reevaluate your insurance plan- Have the baby back home- Prevention for the future – condoms, birth control, etc.
Case Study #3
Interactive Forum
What does your school do to address the health needs of your international
students?
Interactive Forum
How do you overcome mental
health issues and the stigma associated
with it?
Interactive Forum
What support system does your school have in place to make sure international students are happy & healthy?
Wrap Up
Questions?
Thank you!
Annemarie EstradaDirector of Client ServicesInternational Student Insurance
Meghan LaneAssistant Director, DSO/AROUniversity of South Florida
Kelly HallAssistant Director, INTO USF ImmigrationUniversity of South Florida