Welcome everybody to the second webinar of our before you arrive, pre-arrival webinar series. Today, we're going to be talking about understanding health care in the United States. For today's video, we have Dr. Kelly Frick from the University of Delaware Student Health Services and Dr. Kelly break. I will let you ought to take it away. Thanks, Nina. Thanks everyone for joining today. So Student Health Services is your primary location for healthcare when you're here at the University of Delaware? We're located in moral hall, which is on the south green at the very, very south end of campus, by the well-being neighborhood. We are open Monday through Friday from 830 in the morning until five o'clock. And we are by appointment only. Most appointments can be scheduled on the phone. Some appointments can be scheduled online through the UT Health portal. Most services here at Student Health, they're free, meaning they're included in your tuition fees. There's something that you have as an added benefit to being a student here at the university. There is no co-pay, meaning no, no monetary cost to schedule an appointment with a provider here at Student Health Services. Our phone number is listed there on the website, 3028312226. We do have an after hours at nurse on call as well. So if you call after hours because you're having a health question about symptoms that you're having. You can always speak with a nurse 24 hours a day at no cost as well. Our website is listed there as well, which goes over all of our services, as well as required documentation for new students, information about our different services, direct contact information for our services and lots of other information. Email addresses, student health at u del.edu. So here at Student Health Services, we offer many services to students. The most general would be your doctor's visit. So we see students for wellness visits. So for physicals, general checkups for chronic health problems like asthma, diabetes, high blood pressure, or thyroid problems. Anything that you see, your general practitioner or a family practitioner or primary care practitioner for back home, we will be happy to help you with by your parents didn't help. We also have a lot of sick visits. So if you're sick anytime you're here at school or you can always make an appointment here and we will be happy to evaluate, to hear it, didn't help. We also see our students for injuries. So that can be anything from lacerations, cuts and scrapes to joint injuries. So sprained ankles, broken bones, concussions, which will be mild head injuries, kind of the gamut of anything that could happen physically. We do have in-house testing available here on site, which it currently includes COVID testing, testing for strep throat flu, STDs, pap smears, all those things that you can have as part of your evaluation with a doctor here at Student Health Services. We have a lab as well that does outside blood work. So this would be any lab tests that are not run here at Student Health better sent out to what's called a reference lab. The two main companies are called lab core or quest. And these would be things like liver function tests, kidney function tests, thyroid levels, cholesterol levels, glucose, anything essentially that's not a rapid test that we can do here at Student Health Services. Those types of lab tests do require an order from a provider. So from a clinician here at Student Health Services or from a United States licensed healthcare provider. We have a Women's Health Department as well. Women's health, she's female patients for birth control, for STD testing, for general gynecologic care. So questions about their menstrual cycles, breast concerns at breast pain, things like that. We also as part of our general medical clinic services, offer sexual health services to male students or students who identify as male with STD testing, which has HIV prophylaxis here as well, with nutrition services available. So consultations from licensed nutritionists, both in terms of general healthy eating strategies, exercise strategies, how to eat healthy here on campus, both that the dining halls or at some off-campus locations. Obviously the, the diet of a typical college student is perhaps different than when they're back home with their families. And certainly there could be significant cultural differences and the foods that are available on campus and close to campus. We also have nutrition services. If you have medical issues where you might need nutrition consultation, this would be something like diabetes. Celiac disease, polycystic ovarian syndrome or PCOS, irritable bowel syndrome, Crohn's disease, things like that where food and nutrition can affect the symptoms that you have. We have an X-ray department as well. We do our x-rays here in house at X-rays do require an order from a provider. We also have an immunization department, or immunization department is like busy. They help students get up to date on required and recommended vaccinations. Some of the most popular ones are more common ones that we provide for students are HPV vaccine, which is human papilloma virus, the meningitis vaccines, There's two different types of meningitis vaccines. There's meningitis ac, w, y, and then meningitis B. So two different meningitis vaccines that cover different strains of meningitis. We offer a Tdap vaccine, which is the tetanus diphtheria and pertussis vaccine, hepatitis a and B vaccines, as well as MMR vaccines. We do not have COVID vaccines here for student help, but University of Delaware does have COVID vaccine events on campus are very close to campus regularly, so COVID vaccines are easily accessible. Here near campus. We also hear accident help have a dispensary. Dispensary is location where you can buy medicine that's available without a prescription. Medicines like cough medicine, decongestants, paracetamol or acetaminophen and allergy medicines. And then we also have medicines here that are available with a prescription from an appointment here at Student Health. So if you see a doctor here, It's didn't help because you have strep throat and they prescribe an antibiotic, you can get that IV antibiotic right here at Student Health. We also have other common medicines like acne medications, migraine medications, eye drops, your drops, birth control, those sorts of things as well. So just a couple of nuances about healthcare in the United States and, or services from the United States. So medications like antibiotics and antivirals here in the United States require a prescription from a doctor or a nurse practitioner. These prescriptions are given out at either a dispensary or a pharmacy by a licensed pharmacist or a nurse. The cost of the medicine is determined by your health insurance plan. Although typically there's somewhere between about $220. These medications may be available in other countries without a prescription. So we know that this is a change for some students when they come to United States. We have what are called over-the-counter or OTC medicines here in the United States that do not require a prescription. So these are medicines that you can just go and buy off the shelf in the dispensary or at the pharmacy here. And examples again, and are things to treat symptoms of illnesses, typically things like cough, congestion, fever, headache, diarrhea. You want to make sure that you read the directions on the box of any medicine that you're purchasing to make sure you're taking the right medicine for your symptoms and also taking it as directed. A lot of medicines in the United States have multiple ingredients. You want to make sure that you're not duplicating ingredients of medicines by different things that you're purchasing. In general in the United States, what S and X-rays also require a prescription from a doctor or a nurse practitioner. So the cost of these tests is then determined by your health insurance plan and typically can range from about $10 up to a $150 and sometimes more. So we know that this is a shift from some students in their home countries where you don't have to see a doctor first before you can get certain blood tests are certain imaging tests. But here in the United States, That's a requirement of these tests. Most insurances also require what's called a stepwise plan, or something called a prior authorization or referral for a more advanced or more specialized test or water. So an example for that might be that a patient must have an X-ray before an insurance company would approve or agree to pay for a more detailed imaging study like an MRI. A prior authorization or referral refers to the insurance company the insurance companies agreement that they will pay for the test that the doctor as bordered. And we'll help you through that process. If you ever need an imaging or lab that requires a prior acquisition or referral, we get a lot of questions about specialists. So here at Student Health Services, we have what are called primary care providers. So our providers are certified in family medicine, internal medicine, and pediatrics. So we see patients of all ages, but our primary focus is on primary care and adolescence. Here we have a number of students who also see local specialists. So doctors who specialize in one particular area. So some of the more common ones would be a dermatologist. Skin diseases, a gastroenterologist for stomach and intestinal diseases, surgeons, allergists, you help to treat allergies. A neurologist who deals with brain and neurologic system disorders and things of that nature. All of the specialists here are located off campus, so not here at Student Health Services. They are mainly through our local health care system or hospital system, which is Christianity, their health system. We can help connect you with any of the specialists that you may need while you're here at Udi? Specialists offices are by appointment only. And the visits to their office typically do require what's called a copay, which for the most part is $20 per point. Questions about maternity care. So we have a couple kind of nuanced things about maternity care, women's health services. So here at Student Health, we do offer women's health services, which is birth control, which can be an IUD or an intrauterine device. An implant that goes in your in your arm, an injection called Debra up Rivera, birth control pills, condoms. We have many different options for birth control here at Student Health. We also offer STD testing here we do pap smears, which are screening for cervical cancer. We can help if you're having irregular periods, help if you have a question about a possible pregnancy and again, help with breast pain or breast problems. We do not offer maternity care here, so we do not offer pregnancy care here. But we worked very closely with some local health providers for patients who are pregnant or who are desiring to become pregnant. Most often we use West Side Health Clinic, which is located in fairly close to campus or Christianity care women's clinic. For pediatrics. The student health services does not offer health care for students, family members. So if you have children, your children will be have the option to be covered under your health insurance plan. And the main resources for your children to receive health care or your other family members for that matter to receive health care are listed here. University of Delaware, it does have a what's called a nurse managed primary care center. This is here on campus at the Star Campus, which is on the south end of campus. And they see anyone ages 13 and older. You do not. That they see people who are not UT students. So any other members of the community as well, as well as any other members of the public down to age 13. For younger kids. We also work with West Side Health hearing or a new art, which also does our prenatal care and maternity care at Westside help. They see everyone from infancy up to order adults. We also work with Christianity care offices. There's a specific Christianity care pediatric office that sees kids from infancy up until age 18. And there's also the Christianity care, primary care, which is at the hospital at what's called map to map to building. They also see everyone for me, infancy up to older adults. So we have many options for healthcare here in the New York area, there are many other health care locations and doctors offices that are not listed on this slide. But we have no shortage of providers. You are in Lucas County here in Delaware. So just some things to be considering as you're coming to the United States for your education. Things that would help us take care of you better would be to bring a list of your medical history. So any chronic medical problems that you have really anything that you see a doctor for on some sort of a regular basis back home would be helpful. Any hospitalizations that you've had, don't need to have any hospital records necessarily, but it's helpful to know I was in the hospital last year because I had a seizure or I was in the hospital last month because I had a bladder infection, something like that. Those those things are helpful as well as any surgeries that you might have had, including surgeries you had when you were little kids and might have had your tonsils out or had your appendix out or had a hernia repair, things like that are are very helpful for us to help take care of the better. We also request that you bring your medicine list and any medicines that you're allergic to. That's also very helpful for us. I would recommend that you bring a stock of your chronic medications with you or have a plan to have your family members ship them to you while you're here at UT. The United States often does not have the same medications available here that might be available in your home country. And sometimes it can be difficult to find a comparable alternative here. That's, that's cost-effective. For you. There are some prescription medications here that can be very expensive, up to $300 for one month's supply. So if you have them available back home, that would be the preferred method to make sure that you don't have any interruptions of your chronic medications. Healthcare in the United States is very expensive as I'm sure that you have heard. And it's certainly recommended to use the lowest cost option for the level of symptoms that you're experiencing. And we'll talk about some of those that are other services that are available as well. So if student health services is not open and you need care, again, our hours or 830 to five Monday through Friday. We do have to what? Urgent cares, very close to Canvas. There's new Are Urgent Care which is on Main Street, which is walkable from campus. They're open 24 hours a day. There's a co-pay required to be seen at New Yorker gene care. So each time you go there you would have to pay co-pay, which can be as low as $20 or as high as a $100 depending on what you're being seen for. And they are helpful for acute illnesses and injuries. So if you sprain your ankle on a weekend or you get a cut on the weekend and Student Health is not open, that would be where you would want to go or routine things like symptoms that have been going on for a couple of days or a week or a month, that would be better served at Student Health and a regular appointment that doesn't cost any additional money to you. We also have a medical aid unit run by Christiana Care down at our Star Campus. So on South Campus, they're open from 8800 PM, seven days a week. They do have a copay required as well, which is typically $20 per visit, and they see the same types of injuries that new records and care does. Or hospital and emergency department visits. You really only want to go to the emergency department if you're having a significant medical concern or life-threatening problem. So some examples for our students would be a significant injury after an accident, like a car accident or a bike accident. This will be if you're concerned about a broken bone. If you had a head injury, if you have a decent laceration or cut. Other non traumatic injuries or non-traumatic reasons that you want to go to the emergency department would be if you're experiencing chest pain, difficulty breathing, a severe allergic reaction, something that is quite, quite urgent. You always want to die on 9 11. In case of an emergency dial 9 11, you'll be connected with emergency services. It will be able to send an ambulance to you. Have you evaluated quicker and have you transported to the hospital quickly? In the emergency department, you'll be evaluated by a nurse and then a physician's assistant or a physician. They're oftentimes can be long waits in emergency department, sometimes up to six to 12 hours before being able to be seen by a provider. If it's a life-threatening problem and you arrive via ambulance, you will be seeing much quicker if needed. Typically with an emergency department visit that there is a co-pay required. So you'll be required to pay some amount upon arrival at the emergency department. It can be anywhere from a $100 to $200 if you end up needing to be admitted to the hospital. So instead of being able to go home from the emergency department, they have you stay in the hospital either overnight or for a couple of days for continued care. That fee is waived. The emergency department is certainly the most expensive option for health care. We encourage you to use it when you need it, but to utilize student health services or urgent care for things that do not require an emergency department evaluation. We also have the Counseling Center here at UT, which provides mental health services for our students. The Counseling Center is open from Monday through Friday from 08:00 AM to 05:00 PM. They have a mix of in-person sessions as well as virtual sessions. They are located in the Wellbeing Center at Warner Hall, which is right next door to student health in moral hall, both located down on the south end of degree. The services for the counseling center or free bear included in your tuition fees as well. Some of the common things that they help students with would be anxiety, depression, stress management, which is a big one. Eating disorders, body image concerns gender questioning, sleep problems, relationship problems, time management skills, career uncertainty, homesickness, which is also a big one, as well as evaluations for ADD or attention deficit disorder. I I don't know what the exact numbers are in the past year, but prior to the pandemic, about 70 percent of the students utilize some service through the counseling center during their time at UT. So we really do encourage you to utilize these services during your time here. They're here for you. There are no additional cost. And I always say that, you know, after leaving you the mental health services are oftentimes not free or come with high, high other class. So please utilize the services. Why why you're here? The phone number to schedule an appointment for a mental health consultation is 3 0 2, 8, 3 1, 2, 1, 4, 1. They also have a 24 hour emergency line for mental health crises or mental health emergencies. That's 30 to 8311001 or 11001. That phone number is often referred to as the UT helpline. Anyone can call that number 24 hours a day for mental health crisis. If you're concerned about a friend, you can call that number as well. If you're concerned about yourself, if you're having suicidal thoughts or thoughts of harming yourself, thoughts of harming others. You can always speak with someone 24, 7 by calling that that line. And that's a free service as well to UT students. The website for the counseling center services is listed at the bottom as well. For eye doctors and I here. So we have many eye doctors who are located on Main Street, which is very close to campus. In order to be seen by an eye doctor, oftentimes require vision insurance. So specifically it's medical insurance or health insurance that covers vision problems or eye problems. Vision insurance is not mandatory, meaning not everybody has to have it. But if you would like to have vision insurance, you can purchase it through the University Health Plan or the university ENS insurance plan. The vision insurance plan is called VSP Vision. Any medical problems involving the eye, such as an eye injury, would be covered through your medical health insurance, which is a little bit confusing. Whereas vision in terms of glasses and contact lenses, those things are typically not covered by medical insurance. They would be covered by a separate vision insurance. As above. Glasses and contact lenses can be expensive here they typically cost somewhere between a 100 to 300 dollars. I would recommend that you bring a supply of contact lenses with you to UD if you were lenses, especially if you're not going to be purchasing vision insurance, don't forget if you were contact lenses to also bring your glasses with you. In terms of dental care, we do have a few dentists that are close to campus. Most dentists are not close to campus and would require transportation to. Dental insurance is also not mandatory and it's not covered under your health insurance plan either. You can buy optional dental health insurance through the University Health Insurance Plan as well. Dental treatments can be expensive here in the United States and as we said, is, is typically not covered by your medical insurance. I would recommend that you see your dentist at home prior to coming to the United States. And keep up with good teeth brushing and flossing while you're here so we can prevent any emergencies or needing to access dental character in the United States. I'm going to talk a little bit on a general overview about the University of Delaware health insurance plan that's available to students at UT. You'll be getting a much more detailed presentation about the health insurance plan later on. But I'm just going to go over a couple of highlights here. Or health insurance plan for our students is given by a company called Aetna. The policy period. So the the time that you health insurance for is from August 15th through August 14th of the following year. And for spring in particular, it is for February to August and similar for fault runs from August to December. The premiums, meaning the amount of money that it costs to purchase health insurance plan very slightly by fall and spring semester. And you're eligible to purchase this help insurance based on your status as a student here at the University of Delaware. The website down below has all of the details about the health insurance plan and is a good resource for you to check out. In general, there is in network providers and out-of-network providers for you to help insurance plan in network providers mean it's the doctor's office that quote, accepts your health insurance plan and will have lower cost to you than a doctor's office that does not accept your health insurance plan. University of Delaware has health insurance plan is fairly widely accepted, but there are a couple of exceptions. We'll go over quickly terms like deductible, out of pocket, all that stuff. But this is a general kind of rundown of the potential costs associated with healthcare. Here in the United States. I'll direct your attention to the bottom of the screen where it says prescription drugs. So for prescription drugs, they can run anywhere from $10 to $40 per month. For medications that are approved by your health insurance plan. There can be more expensive costs associated with medications that are not approved by your health insurance, right? So really quickly and I know we're going to get more on this later. But a deductible is the amount of money that you would have to pay. Before your health insurance plan and picks up the rest of the class. So for students, for this health insurance plan, that would be $50. And that's $50 if you see a provider that except your health insurance, and it's a $100. If you see a provider that is not a copay is the amount of money that you have to pay for a service, usually at the time that you received that service. So we talked a little bit about co-pays in terms of going to a specialist's office like a dermatologist, that's money that you would have to pay right there before basically when you checked in for the appointment before you would go back and see the doctor. Typically, the co-pays for students are $20. Co-insurance is referred to as the percentage that you have to pay for a covered service. So in general, students are responsible for 20 percent of the cost of a charged for a service when they're seeing someone that accepts their insurance. And then 40 percent of a cost if the provider does not mix up their insurance. Out-of-pocket maximum means your out of pocket. So meaning the money that you pay out of your pocket, the money from your wallet or money from your purse. The most that you could pay during a year. So the maximum that you would pay for any unpublished and services would be 2000 dollars per year. We talked a little bit about dental and vision and insurance. So you're not automatically provided dental and vision insurance. You have to select if you want either or both of those insurances added. The dental insurance is done through company called the Delta Dental. The coverage period is the same and you can be the cost for the year their division insurance is through again, VSP Vision. That one you can sign up for on a rolling basis. You don't have to sign up at the beginning of the year. You can sign up later on in the year. Again, more information on these plans can be found at the website down below of just a very good resource. Again, on that resource page you'll find information about the health insurance plan, their contact information, which includes an email and phone number. They're very responsive. We've been working with this Help, Help Plan for many years and they're very responsive to University of Delaware students. They post COVID-19 updates. So there are services available to you for free through your health insurance plan including COVID tests and COVID vaccines. It also has all the information and all the forms that you would need to fill out. How to find a doctor that accepts your insurance, how to find what medicines are available at the cheapest cost. And all kinds of demographic stuff that you would need to update. And then also how you selected dental or vision plan. It also has information for if you're graduating and if you're going to be ending your health insurance with UD, it also has information for your dependence, which would typically be your children or any other dependents that you have or your spouse. This is their contact info here. So if you have any questions at all, you can reach them by phone or by email. If you have questions about a bill that you get. So if you get something in the mail that says you have to pay this amount of money because as a health visitor that you had, that's the phone number that you would contact for those types of questions? I think that's the end of our presentation. And are there any questions at this time? Thank you, Dr. fact, that was a very informative and very thorough explanation of understanding health care in the United States. One question that I do have is for students who require immunizations that are required by Udi. If they're not able to get in their home country, could they get those immunizations at UT? Yes, that's a great question. We get a lot of question about the COVID booster in particular. Because some students are not able to get a booster in their home country because they may not be available? Absolutely. Yes, you can get your COVID booster once you get here to Udi. You can also get any other required vaccinate chins once you get here. So sometimes that's an MMR vaccine or it might be the meningitis vaccine. If you get your immunization here at Student Health, you don't need to upload any additional vaccine documentation. We obviously would have record of that if you get your vaccinations elsewhere. So you can get your vaccinations either through a pharmacy or through public health sites. Then you would need to submit documentation of that follow-up vaccine here to your UT Health portal? Yes. Good good question. Great. Thank you. And as again you mentioned, for students who are bringing family members, like spouses and children, they would be able to be seen at nearby clinics and health care providers around UT? Correct. So the nurse managed health care center, which is our kind of partner for non students, is right on South Campus. On Star Campus, they see anyone their age 13 and older. So your spouse could be seen there. And if you have older children, they could be seen there. If you have younger children who are under the age of 13, we have a couple other local pediatric resourcing. That's where your children can receive health care that it's New York to Canvas, Yes. Okay. Thank you so much. Dr. Frank, thank you for all of this very useful information. And this concludes our video for understanding health care. In the United States. We encourage you to context and health services. If you have any further questions about your particular case or particular questions about your health. And we will see you in the next video that we'll cover a little bit more about health insurance and understanding health insurance in the United States. Thank you very much. You're welcome. Looking forward to seeing you.

Before You Arrive Webinar 2 - Healthcare

From Vina Titaley June 07, 2022

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Get an introduction to U.S. healthcare concepts, introducing Student Health Services at UD, other local healthcare providers and how to access them.

Tags: international studentshealthcarepre-arrival

Department Name: CGPS
Date Established: June 07, 2022
Appears In: Center for Global Programs & Services

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