Transcript
Page 1: Healthy, Happy & Helping

Healthy, Happy & Helping

Healthcare for International Students in the US and the UK

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Presenters• Victoria Troupe – Marketing Specialist at International Student

Insurance

• Jane Clarke – Edge Hill University, US Director for Study Abroad, Edge Hill University

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Agenda

• Intro to the US Healthcare System• Intro the NHS System• Orienting Students to these Systems• Risk Factors to Watch Out For• Staying Healthy – Mind and Body• Conclusion and Interactive Forum

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Introduction to the U.S. Healthcare System

Healthcare is Expensive!!

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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

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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

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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.

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ACA - 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

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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

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Introduction to the U.S. Healthcare System

• Introduction to the US Healthcare System Video

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Introduction to the Britain’s NHS System

History of NHS• July 5, 1948 – NHS is born• Central Principles

The NHS in the New Millenium• How and when patients seek treatment• Minor vs Emergency• Health insurance

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Orienting Students to their Local Systems

• What Students Need To Know Before Arrival

• Routine Dental• Physical Exams• Eye Exams• Maintenance Drugs• Vaccinations/Immunizations• Insurance

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Orienting Students to their Local Systems

• What Students Need To Know After Arrival

• Orientation• Student Health Center• Advisors and Support Staff• Re-orientation

• Campus/City Tour• Nearby health providers• Pharmacies

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Risk Factors To Watch Out For

• Culture Shock• Loneliness• Depression

• Risky Behavior• Sex• Drugs• Alcohol

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Staying Healthy – Mind and Body

• Wellness and Prevention• Vaccines/Immunizations• Social Interaction• Healthy Relationships• Manage Stress Effectively

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Staying Healthy – Mind and Body• Develop a Support System

• Advisors and Support Staff• Mental health counselors

• Encourage a Healthy Lifestyle• Exercise• Eating • Sleep

• Encourage the College Experience• Intramural/Intercollegiate/Club Sports• School associations• Religious/cultural organizations• Gym and recreational areas

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Acclimating to Different Cultures

United States

• Individuality and Self-Reliance• Time Consciousness• Direct Communication• Patriotism• Personal Space• Hygiene

Great Britain

• Customs & Ideas• Preparing for British

weather• Healthy lifestyle• Personal Space• The “Common Cold”• Reverse Culture Shock

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Conclusion

• Prepare students for expensive healthcare• Teach students how to seek treatment appropriately• Tell students what to expect before arrival• Orient students to their surroundings• Watch for warning signs• Develop a support system for students to maintain wellness• Always consider culture differences and boundaries

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US Case Study

Henrietta Potter is an international student from the United Kingdom at a 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

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UK Case Study

Young Hwa Kim , a US scholar at Edgehill University in the UK 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 (travel health coverage not always enough)

- Communicating with the natural family, provider, insurance, etc.

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Interactive Forum

What does your school do to address the health needs of your international students?

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Interactive Forum

How do you overcome mental health issues?

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Interactive Forum

What support system does your school have in place to make sure international students are safe and secure?


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