Healthy, Happy and Helping

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

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  • AK
  • AK ML KH – all introduce ourselves
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  • AK - Make terms availableCarry your ID cardsEasy Access
  • AK - Emergency rooms are expensive with long wait timesHospital is not the “go-to” for all treatmentIndividuals are expected to pay out-of-pocket at the time of treatment or provide insurancePrescription drugs and durable medical equipment can be costlyGeneral Sickness/ Feeling Unwell- unless your symptoms are severe, please DO NOT visit the Emergency Room for general sickness, but rather locate a provider using the online search tool to find a doctor in your area, call them up and make an appointment.Acute Sickness/ Emergencies- if you experience an accident or an acute illness that comes on very quickly and you need medical attention immediately please make your way to the nearest Emergency Room or call the emergency services in your country for immediate help and assistance. Doctor /Physician Office – Receives and treats patience typically by appointment. Concerned with promoting, maintaining or restoring human health through the study, diagnosis, and treatment of illness and injury. Also known as a primary care provider. Urgent Care Center/Walk in Clinics – An urgent care center means a facility separate from a hospital emergency department and a walk in clinic allows patients to be immediately treated for injury or sickness without an appointment. Typically labs and x-rays are done onsite so process is much quicker. Emergency Room – The department of a hospital that provides immediate treatment for acute illnesses and trauma. In some cases, there is an ER deductible if your visit for an illness does not result in being admitted to the hospital.
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  • AK - So how does the individual mandate apply to international students?F, M, Q and J =student/scholarIndividual mandate does not apply. Also exempt from paying the shared responsibility payment.
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  • Healthy, Happy and Helping

    1. 1. Healthy, Happy & Helping: Healthcare for International Students in the US
    2. 2. Introduction  Annemarie Estrada  Meghan Lane  Kelly Hall Director of Client Services International Student Insurance Assistant Director, DSO/ARO University of South Florida Assistant Director, INTO USF Immigration University of South Florida
    3. 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. 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. 5. 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
    6. 6. Introduction to the U.S. Healthcare System  Why Students Seek Treatment   General Sickness/ Feeling Unwell   Cold/ Flu 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
    7. 7. Affordable Care Act Facing the Change
    8. 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 dependents  If coverage is sold directly to a student, then the coverage is individual health insurance coverage.
    9. 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 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
    10. 10. 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:   Individual health insurance   School’s group plan 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-theIndividual-Shared-Responsibility-Provision
    11. 11. Play Healthcare video http://www.internationalstudentinsurance.com/explained/ushealthcare-system-video.php
    12. 12. What Students Need To Know Before Arrival  Routine Dental  Physical Exams  Eye Exams  Maintenance Drugs  Vaccinations/Immunizations  Secure Insurance
    13. 13. What Students Need To Know After Arrival  Orientation • Student Health Center • Advisors and Support Staff  Campus/City Tour • Nearby health providers • Pharmacies
    14. 14. Risk Factors To Watch Out For  Loneliness  Risky behavior  Drugs/Alcohol  Depression  Behavioral Issues  Stigma associated with mental health
    15. 15. Staying Healthy Mind and Body  College Experience • Intramural/Intercollegiate/Club Sports • School associations • Religious/cultural organizations • Gym and recreational areas • Unifying student body
    16. 16. Resources  Developing a Support System • Advisors and Support Staff • Mental health counselors  Developing • Exercise • Eating • Sleep a healthy lifestyle
    17. 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. 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 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
    19. 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 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.
    20. 20. Case Study #3 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.
    21. 21. Interactive Forum What does your school do to address the health needs of your international students?
    22. 22. Interactive Forum How do you overcome mental health issues and the stigma associated with it?
    23. 23. Interactive Forum What support system does your school have in place to make sure international students are happy & healthy?
    24. 24. Wrap Up Questions?
    25. 25. Thank you!  Annemarie Estrada  Meghan Lane  Kelly Hall Director of Client Services International Student Insurance Assistant Director, DSO/ARO University of South Florida Assistant Director, INTO USF Immigration University of South Florida

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