Transcript Tuberculosis (TB) Testing and Health Insurance

Tuberculosis (TB) Testing
and Health Insurance
New International Student
Orientation – Fall 2013
4/13/2015
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Tuberculosis (TB)
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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.
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Tuberculosis (TB)
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Active vs. Latent
Highly contagious!
TB can be fatal!
Can be treated and cured
with medicine.
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TB Test
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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”
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TB Chest X-ray
Positive Skin test =
exposure
 Chest X-ray
 Valley Care Hosptial
 $66
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Health Insurance
Requirements
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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
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Health Insurance
Requirements
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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.
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Why Health Insurance is
Important?
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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
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Example Costs
(local averages without
insurance)
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Hospital Room
$7,385 per day
Doctor visits
$163
Emergency Room
$957
Ambulance
$2,000
Maternity
$23,590
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Important Definitions
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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
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Recommended Levels of
Coverage
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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
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Things to Consider when
purchasing Health
Insurance
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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
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Insurance Costs
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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
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Summary of Coverage
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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
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Recommended Plans
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Compass
ISO Student Health
Insurance
Student Insurance
Student Secure
Study USA – Health Care
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Compass
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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)
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ISO
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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
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(Silver)
Student Insurance
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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
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Student Secure
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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)
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Study USA
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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)
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Recommended Plans
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Health Insurance Links
http://www.laspositascollege.e
du/international/links.php
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Other Insurance
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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.
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What if I am sick or
injured?
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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
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What to bring to doctor?
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Insurance Card
Student ID Card
Bilingual Dictionary
Credit Card
Any other Medical Records
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Questions?
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Come to ISP for help on
purchasing plan, finding
appropriate resources, or
in completing claim forms.
Stay safe and healthy!
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