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Healthy, Happy and Helping

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

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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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