8/15/20151 Tuberculosis (TB) Testing and Health Insurance New International Student Orientation – Fall 2013

Tuberculosis (TB) 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. 8/15/20152

Tuberculosis (TB) Active vs. Latent Highly contagious! TB can be fatal! Can be treated and cured with medicine. 8/15/20153

TB Test 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” 8/15/20154

TB Chest X-ray Positive Skin test = exposure Chest X-ray Valley Care Hosptial $66 8/15/20155

6 Health Insurance Requirements 1. Continuous Health Insurance coverage throughout each semester at LPC 2. Must be purchased and shown to ISP Office by August 31, Must include repatriation and medical evacuation

8/15/20157 Health Insurance Requirements Repatriation – The return of your bodily remains or ashes in case of death to your home country. Medical evacuation Medical evacuation – Coverage for a medical condition that warrants immediate transportation to another adequate medical facility.

8/15/20158 Why Health Insurance is Important? 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

8/15/20159 Example Costs (local averages without insurance) Hospital Room $7,385 per day Doctor visits $163 Emergency Room $957 Ambulance $2,000 Maternity $23,590

Important Definitions Premium 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 Co-pay – the specific amount which you must pay to a provider or pharmacy at the time of service In Network In Network – Doctors, hospitals, and other health care providers who have contracted to provide specific medical care at negotiated prices 8/15/201510

8/15/ Recommended Levels of Coverage 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

8/15/ Things to Consider when purchasing Health Insurance 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

8/15/ Insurance Costs Chabot-Las Positas College Anthem Blue Cross HMO - $ 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

8/15/ Summary of Coverage 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

Recommended Plans Compass ISO Student Health Insurance Student Insurance Student Secure Study USA – Health Care 8/15/201515

Compass 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) 8/15/201516

ISO 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 (Silver) 8/15/201517

Student Insurance 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 8/15/201518

Student Secure 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) years old - $38 (Smart) 8/15/201519

Study USA 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) 8/15/201520

Recommended Plans Health Insurance Links du/international/links.php du/international/links.php 8/15/201521

8/15/ Other Insurance 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.

8/15/ What if I am sick or injured? 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

8/15/ What to bring to doctor? Insurance Card Student ID Card Bilingual Dictionary Credit Card Any other Medical Records

8/15/ Questions? Come to ISP for help on purchasing plan, finding appropriate resources, or in completing claim forms. Stay safe and healthy!