healthy, happy and helping

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Presentation given at NAFSA Region VII by Annemarie Keller from Envisage International

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  • 1. Healthy, Happy & Helping: Healthcare for International Students in the US

2. Introduction Annemarie EstradaMeghan LaneKelly HallDirector of Client Services International Student InsuranceAssistant Director, DSO/ARO University of South FloridaAssistant Director, INTO USF Immigration University of South Florida 3. 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 4. Healthcare Outside the US Nationalized health care Hospitalization for major and minor conditions Medical treatment is less expensive Slower access to non-emergency treatment 5. Introduction to the U.S. Healthcare System Is Health Insurance Necessary? YES! Prepare to pay out of pocket No government assistanceUsing Health Insurance in the U.S. PPO NetworksPre-certificationPre-existing conditionsEME/Repatriation 6. Introduction to the U.S. Healthcare System Why Students Seek Treatment General Sickness/ Feeling UnwellCold/ Flu Acute Sickness/ Injuries /EmergenciesWhere Students Seek Treatment is Important Student Health CenterDoctors Office (Primary Care Provider)Urgent Care Center/ Walk-in ClinicEmergency Room 7. Affordable Care Act Facing the Change 8. 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 dependentsIf coverage is sold directly to a student, then the coverage is individual health insurance coverage. 9. Affordable Care Act What this means for you? Annual Limits Preventative Care Student health coverage is required to provide preventive services without cost-sharing.Lifetime 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 limitsPlan may not impose lifetime limitsPre-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 10. Clarity on the ACA IRS enforces individual mandate based on resident vs. non-resident alien analysisF, M, Q and J visa holders are exempt for 5 years from: maintaining minimum essential coverageInternational students can choose their plan: Individual health insurance Schools group plan State exchangesInternational students will still need to meet the US Department of State (J visa) and their schools insurance minimums http://www.irs.gov/uac/Questions-and-Answers-on-theIndividual-Shared-Responsibility-Provision 11. Play Healthcare video http://www.internationalstudentinsurance.com/explained/ushealthcare-system-video.php 12. What Students Need To Know Before Arrival Routine DentalPhysical ExamsEye ExamsMaintenance DrugsVaccinations/ImmunizationsSecure Insurance 13. What Students Need To Know After Arrival Orientation Student Health CenterAdvisors and Support Staff Campus/CityTourNearby health providersPharmacies 14. Risk Factors To Watch Out For LonelinessRisky behaviorDrugs/AlcoholDepressionBehavioral IssuesStigma associated with mental health 15. Staying Healthy Mind and Body CollegeExperienceIntramural/Intercollegiate/Club SportsSchool associationsReligious/cultural organizationsGym and recreational areasUnifying student body 16. Resources Developinga Support SystemAdvisors and Support StaffMental health counselors Developing ExerciseEatingSleepa healthy lifestyle 17. 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. 18. Case Study #1 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 doesnt 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 19. Case Study #2 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 20s. 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. 20. Case Study #3 Desiree Marley an international student from Jamaica attending Sunny College finds out shes pregnant 2 years into her program. She has the schools 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 womens clinics Reevaluate your insurance plan Have the baby back home Prevention for the future condoms, birth control, etc. 21. Interactive ForumWhat does your school do to address the health needs of your international students? 22. Interactive ForumHow do you overcome mental health issues and the stigma associated with it? 23. Interactive ForumWhat support system does your school have in place to make sure international students are happy & healthy? 24. Wrap UpQuestions? 25. Thank you! Annemarie EstradaMeghan LaneKelly HallDirector of Client Services International Student InsuranceAssistant Director, DSO/ARO University of South FloridaAssistant Director, INTO USF Immigration University of South Florida