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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.

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Tuberculosis (TB)

Active vs. Latent Highly contagious! TB can be fatal! Can be treated and cured

with medicine.

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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”

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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 Requirements1. Continuous Health Insurance

coverage throughout each semester at LPC

2. Must be purchased and shown to ISP Office by August 31, 2013

3. Must include repatriation and medical evacuation

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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.

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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

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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 PremiumPremium – 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-payCo-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

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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

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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

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Insurance Costs

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 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

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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

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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

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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

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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) 19-24 years old - $38 (Smart)

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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

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Recommended Plans

Health Insurance Links http://www.laspositascollege.e

du/international/links.php

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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.

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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

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What to bring to doctor?

Insurance Card Student ID Card Bilingual Dictionary Credit Card Any other Medical Records

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Questions?

Come to ISP for help on purchasing plan, finding appropriate resources, or in completing claim forms.

Stay safe and healthy!