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Healthy, Happy & Helping Healthcare for International Students in the US and the UK

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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Page 1: Healthy, Happy & Helping

Healthy, Happy & Helping

Healthcare for International Students in the US and the UK

Page 2: Healthy, Happy & Helping

Presenters• Victoria Troupe – Marketing Specialist at International Student

Insurance

• Jane Clarke – Edge Hill University, US Director for Study Abroad, Edge Hill University

Page 3: Healthy, Happy & Helping

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

Page 4: Healthy, Happy & Helping

Introduction to the U.S. Healthcare System

Healthcare is Expensive!!

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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

Page 6: Healthy, Happy & Helping

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

Page 7: Healthy, Happy & Helping

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.

Page 8: Healthy, Happy & Helping

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

Page 9: Healthy, Happy & Helping

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:• 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-Shared-Responsibility-Provision

Page 10: Healthy, Happy & Helping

Introduction to the U.S. Healthcare System

• Introduction to the US Healthcare System Video

Page 11: Healthy, Happy & Helping

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

Page 12: Healthy, Happy & Helping

Orienting Students to their Local Systems

• What Students Need To Know Before Arrival

• Routine Dental• Physical Exams• Eye Exams• Maintenance Drugs• Vaccinations/Immunizations• Insurance

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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

Page 14: Healthy, Happy & Helping

Risk Factors To Watch Out For

• Culture Shock• Loneliness• Depression

• Risky Behavior• Sex• Drugs• Alcohol

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Staying Healthy – Mind and Body

• Wellness and Prevention• Vaccines/Immunizations• Social Interaction• Healthy Relationships• Manage Stress Effectively

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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

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Acclimating to Different Cultures

United States

• Individuality and Self-Reliance• 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

Page 18: Healthy, Happy & Helping

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

Page 19: Healthy, Happy & Helping

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

Page 20: Healthy, Happy & Helping

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.

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Interactive Forum

What does your school do to address the health needs of your international students?

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Interactive Forum

How do you overcome mental health issues?

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Interactive Forum

What support system does your school have in place to make sure international students are safe and secure?