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Keeping Students Healthy in the US
| Date post: | 14-Nov-2014 |
| Category: |
Education |
| Upload: | envisageinternational |
| View: | 181 times |
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Keeping Students Healthy in the US
Presenters
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
Presentation Overview
Case Studies
What students need to know: Healthcare inside vs. outside the US Health insurance Staying healthy
Tools and strategies to educate students
Discussions
Case Study Instructions
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
Case Study #1
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?
Case Study #2
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?
Healthcare in the USA
What students should know about...
Lets ask our two students 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?
Healthcare in the US is expensive!
Common misunderstandings about seeking healthcare in the US
Healthcare Overview
Outside the US
Medical treatment is less expensive
Nationalized health care
Visit hospital for major and minor conditions
Inside the US
Medical treatment is expensive
Private insurance
Hospital is not the “go-to” for all treatment
Seeking Treatment Appropriately
• Minor sicknesses & injuries• Wellness & preventative care• Serious medical conditions• Emergency
Health InsuranceWhat students should know about...
• Key insurance provisions• How to use insurance• Common misconceptions• The Affordable Care Act
What’s this insurance thing?
Key Insurance Provisions
Out-of-pocket costsWellness Care/ Preventative Care
Mental healthMaternityPre-existing Conditions
How To Use Insurance
Where to get treatmentProvider Network
How to file a claim
Who to contact to get assistance
Common Misconceptions
“Don’t have to pay anything”Covers “everything”Dental & vision
Affordable Care Act - Facing the Change
AFFORDABLE CARE ACT
Clarity on the ACA
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
What this means for compliant group plans? 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
Staying healthy - mind and body
What students should know about...
Challenges to Staying HealthyA new student’s perspective….
Meet Euiho – A student from S. Korea planning to study in the US.
Meet Willie – A graduate student in the International Programs Office
Cultural Transitioning
Cultural Transitioning
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
Cultural Transitioning
Food and Exercise
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.
Food and Exercise
Food and Exercise
Get involvedStudies do come first…but
Different clubs on campusCommunity organizationsIntramural/sportsGym and recreational areas VolunteeringHelps with English Skills
Get involved
What if I get sick or hurt?
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.
What if I get sick or hurt?
What if I get sick or hurt?
Mental Health
Mental Health Develop support systems
Advisors and Support Staff Good Friends Family Members Mental health counselors
*Stigma associated with mental health
Mental Health
Staying Healthy
Mind & Body
Educating Our Students
Tools and Strategies
Before They Arrive 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
When they arriveKeep 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
After arrival and beyond
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
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
After arrival and beyond cont.
Discussions / Q&A
QuestionsToolsEffective strategiesPersonal experience
Thank you.
Apinant Hoontrakul [email protected]
Stacey Schmidt [email protected]
William Deng [email protected]
Euiho Choi [email protected]
