2. 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
3. Case Studies
What students need to know:
Healthcare inside vs. outside the US
Health insurance
Staying healthy
Tools and strategies to educate students
Discussions
4. 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
5. 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?
6. 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?
8. 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?
11. 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
16. Where to get treatment
Provider Network
How to file a claim
Who to contact to get assistance
17. “Don’t have to pay anything”
Covers “everything”
Dental & vision
18.
19. 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
20.
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
24. 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
25.
26.
27. 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.
28.
29. Studies do come first…but
Different clubs on campus
Community organizations
Intramural/sports
Gym and recreational areas
Volunteering
Helps with English Skills
30.
31.
32. 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.
33.
34.
35. Develop support systems
Advisors and Support Staff
Good Friends
Family Members
Mental health counselors
*Stigma associated with mental health
39. 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
40. 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
41. 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
42. 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
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