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 Apinant Hoontrakul
 International Student Insurance
 Marketing Manager/ Licensed Insurance Agent

 Stacey Schmidt
 N...
 Case Studies
 What students need to know:
 Healthcare inside vs. outside the US
 Health insurance
 Staying healthy

...
 We will analyze 2 case studies of financial hardship.

 As a group, discuss the issues and how you would address the

p...
 Ann was diagnosed with severe paranoid schizophrenia. This is a

condition that usually manifests itself during late tee...
 Shawanna is an international student from Jamaica. She finds

out she’s pregnant 2 years into her program. She has the
s...
What students should know about...
 How much does it cost to go to the doctor in your country?
 Do you have to buy health insurance in your country?
 Do y...
Healthcare in the US is expensive!
Outside the US

Inside the US

 Medical treatment is less

 Medical treatment is

 Nationalized health care

 Private ...
•
•
•
•

Minor sicknesses & injuries
Wellness & preventative care
Serious medical conditions
Emergency
What students should know about...

•
•
•
•

Key insurance provisions
How to use insurance
Common misconceptions
The Affor...
Out-of-pocket costs
Wellness Care/ Preventative Care
Mental health
Maternity
Pre-existing Conditions
 Where to get treatment
 Provider Network
 How to file a claim
 Who to contact to get assistance
“Don’t have to pay anything”
Covers “everything”
Dental & vision
 IRS enforces mandate based on resident vs. non-resident alien

analysis

 F, M, Q and J (student/scholar) visa holders ...


Annual Limits:
 Policy year September 24, 2012 until December 31, 2013:
Annual limits of no less than $500,000
 Polic...
What students should know about...
Meet Euiho

Meet Willie
 Temperature
 Proper Clothing
 Shoes
 Reality of how cold/warm it will be during your stay

 Transportation
 How wil...
 Develop a healthy lifestyle
 Eat well-Intake Calories

 Basal Metabolic Rate(BMR)
 BMR=66+(6.3 x weight)+(12.9 x heig...
 Studies do come first…but
 Different clubs on campus
 Community organizations
 Intramural/sports
 Gym and recreation...
 Only call 911 in Emergency Situations
 Go see the student health office/nurse when possible
 Get a ride from a friend ...
 Develop support systems
 Advisors and Support Staff
 Good Friends
 Family Members
 Mental health counselors
 *Stigm...
Staying
Healthy
Mind
& Body
Tools and Strategies
Discuss Health Insurance Fees
Websites, emails regarding insurance
Help explain enrollment
Brochures
Airplane items - list...
 Keep copies of all personal documents

in student file.

 Explain what their insurance card will

look like when it com...
 Have students check carefully all medical bills.

Students bring bills to our office so we can help
make sure the insura...
 Taking cultural differences in mind
 Contacting families and friends. Who visits and

what proper hospital etiquette is...
 Questions
 Tools
 Effective strategies

 Personal experience
 Apinant Hoontrakul
 ahoontrakul@internationalstudentinsurance.com

 Stacey Schmidt
 Stacey.schmidt@northern.edu

 Wi...
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
Keeping Student Healthy in the US
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Keeping Student Healthy in the US

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Keeping student healthy in the USA was a NAFSA regional presentation for region IV

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  • According to the World Health Organization, the United States spent more on health care per capita ($8,608), and more on health care as percentage of its GDP (17.9%), than any other nation in 2011.
  • Skit by international students
  • Sage
  • Cynthia
  • Talked about it’s expensive – no nationalized healthcare – need insurance to realistically access healthcareAnd seeking treatment appropriately
  • Skit by international students
  • SageAsk questions
  • Get involveSupport SystemLife Style
  • Get involveSupport SystemLife Style
  • Get involveSupport SystemLife Style
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  • Transcript of "Keeping Student Healthy in the US"

    1. 1.  Apinant Hoontrakul  International Student Insurance  Marketing Manager/ Licensed Insurance Agent  Stacey Schmidt  Northern State University  International Student Advisor  Name, Name  William Deng, Graduate Student – Northern State University  Euiho Choi, Student – Northern State University
    2. 2.  Case Studies  What students need to know:  Healthcare inside vs. outside the US  Health insurance  Staying healthy  Tools and strategies to educate students  Discussions
    3. 3.  We will analyze 2 case studies of financial hardship.  As a group, discuss the issues and how you would address the problem. (10 minutes)  Each group share their findings
    4. 4.  Ann 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?
    5. 5.  Shawanna is an international student from Jamaica. She 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?
    6. 6. What students should know about...
    7. 7.  How much does it cost to go to the doctor in your country?  Do you have to buy health insurance in your country?  Do you have a choice?  Who pays for it?
    8. 8. Healthcare in the US is expensive!
    9. 9. Outside the US Inside the US  Medical treatment is less  Medical treatment is  Nationalized health care  Private insurance  Visit hospital for major and  Hospital is not the “go-to” expensive minor conditions expensive for all treatment
    10. 10. • • • • Minor sicknesses & injuries Wellness & preventative care Serious medical conditions Emergency
    11. 11. What students should know about... • • • • Key insurance provisions How to use insurance Common misconceptions The Affordable Care Act
    12. 12. Out-of-pocket costs Wellness Care/ Preventative Care Mental health Maternity Pre-existing Conditions
    13. 13.  Where to get treatment  Provider Network  How to file a claim  Who to contact to get assistance
    14. 14. “Don’t have to pay anything” Covers “everything” Dental & vision
    15. 15.  IRS enforces mandate based on resident vs. non-resident alien analysis  F, M, Q and J (student/scholar) visa holders are exempt for 5 years from:  maintaining minimum essential coverage  paying the shared responsibility payment  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
    16. 16.  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 costsharing. 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
    17. 17. What students should know about...
    18. 18. Meet Euiho Meet Willie
    19. 19.  Temperature  Proper Clothing  Shoes  Reality of how cold/warm it will be during your stay  Transportation  How will I get to my school  Is there a flight directly there  What type of transportation is at the school
    20. 20.  Develop a healthy lifestyle  Eat well-Intake Calories  Basal Metabolic Rate(BMR)  BMR=66+(6.3 x weight)+(12.9 x height)-(6.8 x age)Men  655+(4.3x weight)+(4.7 x height)-(4.7 x age)Women  Exercise regularly  Sleep well  No Drugs  Limit Alcohol use and know rules regarding it.
    21. 21.  Studies do come first…but  Different clubs on campus  Community organizations  Intramural/sports  Gym and recreational areas  Volunteering  Helps with English Skills
    22. 22.  Only call 911 in Emergency Situations  Go see the student health office/nurse when possible  Get a ride from a friend to the doctors office  Do not let an illness go too long without seeking medical treatment.  Carry health insurance information with you.  Do not take other peoples medicines.  Get prescriptions filled and pick them up.
    23. 23.  Develop support systems  Advisors and Support Staff  Good Friends  Family Members  Mental health counselors  *Stigma associated with mental health
    24. 24. Staying Healthy Mind & Body
    25. 25. Tools and Strategies
    26. 26. Discuss Health Insurance Fees Websites, emails regarding insurance Help explain enrollment Brochures Airplane items - list Bringing enough perscription meds, contacts for the time you are here. Perscriptions in English in case they need to be filled.  Food Allergies – need to have medical note to be off of meal plan or out of residence hall.  Updated on illnesses in other countries. Do you need to prepare.  Online chat sessions  Facebook Page  Weekly Newsletters      
    27. 27.  Keep copies of all personal documents in student file.  Explain what their insurance card will look like when it comes to them. Ours are just on a piece of paper that need to be cut out. Most get tossed.  How to dial 911  Tour of Nurse office and medical facilities
    28. 28.  Have students check carefully all medical bills. Students bring bills to our office so we can help make sure the insurance has paid and work with them on what needs to be paid.  Make sure to update emergency contacts and addresses  Health concerns as weather changes.  Humidifier – AC – Winter clothing  Allergies  Rides available for appointments
    29. 29.  Taking cultural differences in mind  Contacting families and friends. Who visits and what proper hospital etiquette is.  When something major occurs…. What should the school do? What do you do?  Plan of action with Student Affairs  Phone Chain for Emergencies  Plan of action on campus. Picking one residence hall for containment of illnesses.  Make sure to have Emergency Contact Information  When to Call Parents  Emergency Evacuation Situations  Who Pays for it
    30. 30.  Questions  Tools  Effective strategies  Personal experience
    31. 31.  Apinant Hoontrakul  ahoontrakul@internationalstudentinsurance.com  Stacey Schmidt  Stacey.schmidt@northern.edu  William Deng  William.deng@wolves.northern.edu  Euiho Choi  Euiho.choi@wolves.northern.edu
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