Healthy, Happy & Helping
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Learn about healthcare for international students in the USA and the UK with this presentation from the NAFSA Region III Conference in Rogers, Arkansas in 2013. The presenters were Jane Clark and Victoria Troupe
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Healthy, Happy & Helping
- 1. Healthy, Happy & Helping Healthcare for International Students in the US and the UK
- 2. Presenters • Victoria Troupe – Marketing Specialist at International Student Insurance • Jane Clarke – Edge Hill University, US Director for Study Abroad, Edge Hill University
- 3. Agenda • • • • • • Intro to the US Healthcare System Intro the NHS System Orienting Students to these Systems Risk Factors to Watch Out For Staying Healthy – Mind and Body Conclusion and Interactive Forum
- 4. Introduction to the U.S. Healthcare System Healthcare is Expensive!!
- 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. Introduction to the U.S. Healthcare System • Why Students Seek Treatment • Cold/ Flu • General Sickness/ Feeling Unwell • 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. 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.
- 8. ACA - What this means for you 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
- 9. Clarity on the ACA • IRS enforces individual mandate based on resident vs. nonresident 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: • 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 http://www.irs.gov/uac/Questions-and-Answers-on-the-Individual-SharedResponsibility-Provision
- 10. Introduction to the U.S. Healthcare System • Introduction to the US Healthcare System Video
- 11. Introduction to the Britain’s NHS System History of NHS • July 5, 1948 – NHS is born • Central Principles The NHS in the New Millenium • How and when patients seek treatment • Minor vs Emergency • Health insurance
- 12. Orienting Students to their Local Systems • What Students Need To Know Before Arrival • • • • • • Routine Dental Physical Exams Eye Exams Maintenance Drugs Vaccinations/Immunizations Insurance
- 13. Orienting Students to their Local Systems • What Students Need To Know After Arrival • Orientation • Student Health Center • Advisors and Support Staff • Re-orientation • Campus/City Tour • Nearby health providers • Pharmacies
- 14. Risk Factors To Watch Out For • Culture Shock • Loneliness • Depression • Risky Behavior • Sex • Drugs • Alcohol
- 15. Staying Healthy – Mind and Body • Wellness and Prevention • • • • Vaccines/Immunizations Social Interaction Healthy Relationships Manage Stress Effectively
- 16. Staying Healthy – Mind and Body • Develop a Support System • Advisors and Support Staff • Mental health counselors • Encourage a Healthy Lifestyle • Exercise • Eating • Sleep • Encourage the College Experience • • • • Intramural/Intercollegiate/Club Sports School associations Religious/cultural organizations Gym and recreational areas
- 17. Acclimating to Different Cultures United States • Individuality and SelfReliance • Time Consciousness • Direct Communication • Patriotism • Personal Space • Hygiene Great Britain • Customs & Ideas • Preparing for British weather • Healthy lifestyle • Personal Space • The “Common Cold” • Reverse Culture Shock
- 18. Conclusion • • • • • • • Prepare students for expensive healthcare Teach students how to seek treatment appropriately Tell students what to expect before arrival Orient students to their surroundings Watch for warning signs Develop a support system for students to maintain wellness Always consider culture differences and boundaries
- 19. US Case Study Henrietta Potter is an international student from the United Kingdom at a 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
- 20. UK Case Study Young Hwa Kim , a US scholar at Edgehill University in the UK 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 (travel health coverage not always enough) - Communicating with the natural family, provider, insurance, etc.
- 21. Interactive Forum What does your school do to address the health needs of your international students?
- 22. Interactive Forum How do you overcome mental health issues?
- 23. Interactive Forum What support system does your school have in place to make sure international students are safe and secure?
Hinweis der Redaktion
- Make terms availableCarry your ID cardsEasy Access
- 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.
- 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.
- NHS was established on July 5, 1948 – under the central principle that all persons are entitled to health care, Costs are off-set by taxation!Students enrolled at a British university for a full-term (fall or spring) are entitled to limited coverage under NHS. Most universities will have a Health and Well-Being Centre on campus. On our campus doctors hold surgeries three times a week. Edge Hill’s Health and Well-Being Centre is staffed Monday – Friday from 8:30 – 4:30 p.m. No appt is necessary and the service is completely confidential.Urgent cases will be seen the same day but not always by the doctor or nurse of choice & there may be a wait in triage. Private insurance is strongly recommended. What a US student may consider an emergency may not be considered as such by NHS. At that time, the student with private insurance can still be treated by a physician but will have to pay upfront and submit a claim when they return to the US.
- NHS coverage is not comprehensive, therefore routine medical issues may not be covered. For instance, most dental work is not covered for study abroad students, however, in the case of emergency care, they are generally covered.Students on regular maintenance drugs should bring a full three-month supply with them. Medications will not be allowed through customs so mailing from the US is not an option. Also, some medications may not be available in the UK or the compound may be different. There are no required vaccinations or immunizations for admission to a UK university. Again, private insurance is strongly advised.
- At Edge Hill University we have a designated Health and Well-Being Centre. Study abroad students should identify where their health center is on campus before they need it. We have a mandatory orientation once students arrive and a representative from our Health and Well-Being Centre is introduced to them. They are also given handouts explaining what to do in case they fall ill or have an accident.As well, the staff in EHU’s Centre for International Education are available to advise students.Doctors are local – a short 10-minute walk from the campus. Pharmacies are also a great source of information and students should not hesitate to ask the local pharmacist for assistance.
- Culture shock affects many students. Help is available. Universities have counseling centers on campus, if needed. Our staff in the Centre for International Education are a friendly lot and are always happy to have a cuppa with a lonely student. It’s important that students do not isolate themselves.Our experienced counselors with finding solutions to your problems. It’s free of charge & there are a range of services provided – relaxation sessions, workshops, group work & support groups.Students can get advice on contraception at the Health and Well-Being Centre or from a local Family Planning Clinic. You are entitled to free contraceptives and advice on birth control. Counseling for drug and alcohol abuse is available free of charge. It is important student disclose prior behavioral issues or mental health issues.
- Should there be an outbreak, vaccines or immunizations will be made available free of charge through the Health and Well-Being Centre. Becoming involved with others on campus and within the community is key to a happy, healthy mind. Students are encouraged to join sports clubs, special interest groups, etc. As I mentioned before, extensive counseling services are available for students.
- Individuality and Self-Reliance: American society tends to encourage people to think and act individually, to make their own decisions, and to rely on themselves. This does not mean that Americans do not also rely on family and friends for support, or that family and friends are unimportant. It means, rather, that Americans are encouraged to develop themselves and support themselves independently as much as possible. Time Consciousness: Punctuality is important in American society. People are expected to be on time for appointments, classes, and formal social events. Failure to be on time, especially in a professional setting, tends to create a negative impression. Direct Communication: Americans are more likely to deal with conflicts directly and openly than in some other societies. Saving face is still important in American society, but it is not as important as resolving conflicts and misunderstandings. People tend to communicate directly and openly as much as possible.