Keeping Student Healthy in the US

Keeping Students Healthy in the US

Presenters

Apinant Hoontrakul International Student Insurance Marketing Manager/ Licensed Insurance Agent

Cynthia Cox Oregon State University International Student Advisor

Sage Mwiinga The College of Idaho International Student Advisor

Presentation Overview

What students need to know: Healthcare inside vs. outside the US Health insurance Staying healthy

Tools and strategies to educate students

Crisis management: what to do in an emergency

Discussions

Healthcare in the USA

What students should know about...

Healthcare in the US is expensive!

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

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 Healthy

Leaving home for the first timeHaving appropriate transportationMaking adjustments:

Cultural differences Climate differences

Possible Risks

Mental issues Physical issues

Poor Diet & Physical health

Risky Behaviors Sex Drugs Alcohol

Environmental

Staying HealthyMind & Body

Get involved School associations Community organizations Intramural/club sports Gym and recreational areas

Staying HealthyMind & Body

Develop support systems Advisors and Support Staff Mental health counselors

*Stigma associated with mental health

Staying HealthyMind & Body

Develop a healthy lifestyle Exercise Eat Sleep

Educating Our Students

Tools and Strategies

Tools

OrientationsPhysical materialsVirtual resources

Educational video example: http://www.internationalstudentinsurance.com/explained/us-healthcare-system-video.php

Before They Arrive

-Website

-Pre-Departure Guide

-Email

Welcome PacketsEmail Communication Request for allergy informationStudent Experience Blogs – (http://

www.collegeofidaho.edu/blog/student-experience)

FacebookRA Training on Cultural Awareness

When they arrive- Student Health Services at Orientation

- http://www.youtube.com/watch?v=XGtafBJjJrA&feature=player_embedded

All about Student Health Services Video

http://www.youtube.com/watch?v=XGtafBJjJrA

When they arrive

New International Student Orientation “Your Health & Welfare at The College of Idaho” Team-building activities (social support network). Use of upperclassmen – share personal experiences.

International Student First Year Mentor

After arrival and beyond

International Coffee hour Student Health Mentors give presentations

Online Ongoing Orientation Alcohol Awareness Module Sexual Health Module Potential Mental Health or “Healthy Living” module

After arrival and beyond

Residence Life programing Alcohol Awareness, Suicide Prevention, etc.

International Student Support Group International Student Organization Collaboration with other offices on campus Partnerships with local community members

Religious organizations, alumni, etc

What to do when something major does occur

Medical Evacuations/ Repatriation of Remains

Discussions / Q&A

QuestionsToolsEffective strategiesPersonal experience

Thank you.

Apinant Hoontrakul ahoontrakul@internationalstudentinsurance.com

Cynthia Cox cynthia.cox2@oregonstate.edu

Sage Mwiinga smwiinga@collegeofidaho.edu

Ismail Warsame ismail.warsame@oregonstate.edu