Tuberculosis (TB) Testing and Health Insurance New International Student Orientation – Fall 2013 4/13/2015 1 Tuberculosis (TB) 4/13/2015 Tuberculosis (TB) is an infectious disease that usually infects the lungs, but can attack almost any part of the body. Tuberculosis is spread from person to person through the air. 2 Tuberculosis (TB) 4/13/2015 Active vs. Latent Highly contagious! TB can be fatal! Can be treated and cured with medicine. 3 TB Test 4/13/2015 Test is FREE Make an appointment at the Student Health and Wellness Center (Building 1700). 2 appointments necessary (with one day in between) 1 appointment for injection, second for “reading” 4 TB Chest X-ray Positive Skin test = exposure Chest X-ray Valley Care Hosptial $66 4/13/2015 5 Health Insurance Requirements 1. 2. 3. 4/13/2015 Continuous Health Insurance coverage throughout each semester at LPC Must be purchased and shown to ISP Office by August 31, 2013 Must include repatriation and medical evacuation 6 Health Insurance Requirements 4/13/2015 Repatriation – The return of your bodily remains or ashes in case of death to your home country. Medical evacuation – Coverage for a medical condition that warrants immediate transportation to another adequate medical facility. 7 Why Health Insurance is Important? 4/13/2015 Health care in the U.S. is very good, but most expensive in the world Can not predict a serious illness or accident Large, unpaid medicals bills will seriously effect your financial status and ability to continue studying U.S. Government support agencies will not assist with payment 8 Example Costs (local averages without insurance) 4/13/2015 Hospital Room $7,385 per day Doctor visits $163 Emergency Room $957 Ambulance $2,000 Maternity $23,590 9 Important Definitions 4/13/2015 Premium – the amount you pay for insurance each month/term Deductible – This is the amount of money you have to pay toward a medical bill before the insurance company pays Co-pay – the specific amount which you must pay to a provider or pharmacy at the time of service In Network – Doctors, hospitals, and other health care providers who have contracted to provide specific medical care at negotiated prices 10 Recommended Levels of Coverage 4/13/2015 Provides a minimum of $250,000 for each accident and illness Has a deductible of $100 or less per illness Covers at least 75% of medical costs 11 Things to Consider when purchasing Health Insurance 4/13/2015 Premium and Deductible Costs The higher the deductible, the lower the premium Co-pay costs Maximum Benefits Exclusions Age-Based Premiums Provider Network Prescription Coverage 12 Insurance Costs 4/13/2015 Chabot-Las Positas College Anthem Blue Cross HMO - $829.89 per month + $65.10Dental per month + $13.46 Vision per month Discounted Premiums for International Students Range from $29 to $112 per month for students 24 & under Estimate $600 per year 13 Summary of Coverage 4/13/2015 Most accidents and injuries Risky activities, intercollegiate sports, and pre-existing conditions are not covered Most do not cover preventative care such as routine physical exams, chest x-rays for Tuberculosis (TB) etc Student Insurance does cover preventive services 14 Recommended Plans 4/13/2015 Compass ISO Student Health Insurance Student Insurance Student Secure Study USA – Health Care 15 Compass 4/13/2015 Budget, Compass Care (Pregnancy) and Elite plans Coinsurance: 80% (Budget) Plan Maximum: $100,000 No network No surgery internal caps Deductible: $100 ($50 at SHC) 19 – 23 year old - $30/month (Budget) 16 ISO 4/13/2015 Compass Silver, Compass Gold plans Coinsurance: 100% Per event Plan Maximum: $150,000 Has network Surgery internal caps - $3,000 max for surgery (Silver) Deductible: $100 ($45 at SHC) 12 – 24 year old - $31/month 17 (Silver) Student Insurance 4/13/2015 Coinsurance:100% in network Plan yearly Maximum: $500,000 Has Network: United Health Care Preventative Care included Deductible: $75 ($0 at SHC) Co-pay: $25 ($0 at SHC) $120 per month 18 Student Secure 4/13/2015 Smart, Budget and Select plans Coinsurance: 80% of first $25,000 then 100% Plan Maximum: $200,000 (Smart) No Network Deductible: $100 ($50 at SHC) 19-24 years old - $38 (Smart) 19 Study USA 4/13/2015 Plan A and B Coinsurance:80% in network to $25,000 then 100% Per Event plan Maximum: $250,000 (plan A) Has Network Surgery internal caps - $250 per day (outpatient) Deductible: $50 ($0 at SHC) 0-24 year old - $45 per month (plan A) 20 Recommended Plans 4/13/2015 Health Insurance Links http://www.laspositascollege.e du/international/links.php 21 Other Insurance 4/13/2015 Vision and Dental are only covered by most plans in cases of injury, not treatment or preventative care. Consider purchasing a supplemental dental and or vision discount plan. 22 What if I am sick or injured? 4/13/2015 For Life Threatening Emergencies - call 911 or visit nearest Emergency Room (ER) Urgent Care Normal Medical Problem – Visit LPC Student Health Center in Building #1700 or nearest doctor 23 What to bring to doctor? 4/13/2015 Insurance Card Student ID Card Bilingual Dictionary Credit Card Any other Medical Records 24 Questions? 4/13/2015 Come to ISP for help on purchasing plan, finding appropriate resources, or in completing claim forms. Stay safe and healthy! 25