HOW TO PROTECT YOUR STUDENTS

INTERNATIONAL STUDENT HEALTH & INSURANCE

AGENDA

• Emergencies: what to know

• Mental Health & Substance Abuse: what are the resources

• Insurance Compliance: how to manage

• Claims: how they work

• Insurance Enrollment: how to help

• Provider Networks: what to watch for

• Share Stories

• Q & A

MINIMUM REQUIREMENTS

INSURANCE COMPLIANCE

• J-1 Scholars and Students [22 CFR 62.14]

• Program participants and their dependents are required to have medical insurance coverage with the following minimum benefits.

• Medical benefits of at least $100,000 per accident or illness• Repatriation of remains in the amount of $25,000• Expenses associated with the medical evacuation of the exchange

visitor to his or her home country in the amount of $50,000• A deductible not to exceed $500 per accident or illness.

MINIMUM REQUIREMENTS

INSURANCE COMPLIANCE

• F-1 Students • Responsible for purchasing health insurance for themselves and

their families while they study in the United States. • Schools may provide health care during studies

MINIMUM REQUIREMENTS

INSURANCE COMPLIANCE

• University System of Georgia• Both accident and sickness coverage• Minimum benefit $250,000 per policy year• Health insurance coverage must be in effect for the entire

semester• Deductible does not exceed $500 per accident or illness, per year• In-patient and outpatient, mental and nervous disorder benefits• Prescription drug coverage• Pay benefits worldwide• Medical evacuation to one’s home country and family

reunification of not less than $50,000• Provision for repatriation of remains of not less than $25,000

WHAT TO KNOW

EMERGENCIES

• Chest Pain; Difficulty Breathing; Head Trauma; Severe Bleeding; Loss of Vision >> Emergency Room (ER)

• Other cases for ER?• What are your other options?

• If student wants to see a doctor now >> Urgent Care (not ER)

• Why is Urgent Care better than ER?• Check insurance policy for Urgent Care Benefit

• If no clear benefit, sometimes billed as ER visit

THE CHALLENGE

MENTAL HEALTH & SUBSTANCE ABUSE

• College students and mental health:• 26% of young adults 18-25 experience mental

health disorders annually • 40-55% of college students report mental

health disorders annually• Universities are reporting increases of mental

health diagnosis (Oswalt, et. all 2018)

EFFECTS

MENTAL HEALTH & SUBSTANCE ABUSE

• International students and mental health:• International students report similar rates of mental

health disorders• 68% report awareness of mental health resources• 33% report accessing mental health resources (Hyun, et. all 2010)

• Effects:• The most common mental health disorders are

depression and anxiety• Attempted suicide and suicide

WHAT ARE THE RESOURCES

MENTAL HEALTH & SUBSTANCE ABUSE

• How can schools help?• Orientation/Campus Resources• Counseling• Social Network/Student Clubs• Advising• Training other offices/faculty

• How can provider networks help?• Professional services• Additional language resources

RISKS

INSURANCE COMPLIANCE

• Foreign insurance companies• Claims issues: no reciprocity

• Waivers: auto-approved• Does the student have insurance?

• Coverage minimums• Requirements are too low

HOW TO MANAGE

INSURANCE COMPLIANCE

• Offer Pre-approved plans for your students (max 3-5)

• Pre-approve plans to meet school needs

• Get familiar with Benefits & Exclusions - save your time

• Get to know who is in the Network

• Offer Pre-approved coverage dates

• Other dates not accepted, Why?

• Recommendation:

HOW TO MANAGE

INSURANCE COMPLIANCE

PSI Plug

We can manage your Compliance System

We activate your PSI portal with Waiver button

Option 1: School manages waivers in Advisor’s Account

Option 2: PSI manages waivers based on school’s requirements - We report to school at end of enrollment period

HOW THEY WORK

CLAIMS

• What is the path of the bill?

• Provider to Insurance, Insurance to Provider, Provider to Student - with EOB, and balance due (if any)

• What to do with Claims problems?

• Call tel. number on the ID card, with student in your office ->

• You can get answers

• Call insurance agent - if you do not know a licensed agent that represents the plan, it should not be a pre-approved plan

HOW THEY WORK

CLAIMS

• What is the path of the bill?

• Provider to Insurance, Insurance to Provider, Provider to Student -with EOB, and balance due (if any)

• What to do with Claims problems?

• Call tel. number on the ID card, with student in your office ->

• You can get answers

• Call insurance agent - if you do not know a licensed agent that represents the plan, it should not be a pre-approved plan

PSI Plug

We have 4 US-based licensed agents in the office to help with claims.

50% of claim disputes are re-processed

50% are misunderstood by student and correct

HOW TO HELP

INSURANCE ENROLLMENT

• Online enrollment looks like Individual Plans

• Discounted Group Plans - not by institution, but student status

• Coverage for short-term student groups, what do you do?

• You can customize coverage dates & plans per individual

• Many companies will have an extra fee at the end.

HOW TO

INSURANCE ENROLLMENT

HOW TO

INSURANCE ENROLLMENT

HOW TO

INSURANCE ENROLLMENT

HOW TO

INSURANCE ENROLLMENT

HOW TO

ADVISOR PORTAL

• Check insurance status

• Verify PSI coverage

• Get updated reports

• Find PPO’s in your area

• Review policy brochures

• Contact PSI

HOW TO

ADVISOR PORTAL

HOW TO

ADVISOR PORTAL

HOW TO

ADVISOR PORTAL

HOW TO

ADVISOR PORTAL

SHARE STORIES

Q&A

THANKS FOR COMING!

FOR COPY OF SLIDES EMAIL:MARK.KHOURY@PSISERVICE.COM