International Student Health Insurance

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International Student Health Insurance

• Understanding Your Insurance

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Whats Covered??

• Visiting the Doctor
• When you are sick with a non-urgent condition
  ie. flu, you may visit the doctors on-campus.
• Hospitalization
• The hospital will need to see your foreign health
  card so they can bill the company directly for
  your visit
• Prescription Medicines
• You may purchase medicine from a pharmacist with
  a prescription pay first, and keep the receipt.
  Mail it with a claim form to receive your
  reimbursement.
• Physical and Eye Exams once a year

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Whats Covered?? (cont.)

• Emergency dental treatment (if you are in pain
  you can visit a dentist to have your teeth fixed
  max 300)
• Going on vacation anywhere in the world
• Going on a work-term anywhere in the world (home
  country included)

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Tip 1

• You get one complete physical exam and one eye
  exam every year!
• You do not need to have a medical problem for
  these visits check-up

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Making a doctors appointment skit
Double click on the video image to view skit, and
turn up the volume on your computer
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Tip 2

• If you buy medicine from a Pharmacy using a
  prescription you can get ALL of your money back.
• Fill out a claim form attach your receipt, send
  it to the insurance company
• They will send you a cheque in the mail
• Claim forms are at Corte Real office or
  http//www.mun.ca/isa/health/index.php

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Whats NOT Covered

• Dental treatment or procedures
• Undergraduate and ESL students do not have
  dental coverage. Graduate students should contact
  the GSU for information.
• Pregnancy/Contraceptives (except morning after
  pill)
• Glasses/lenses, hearing aids, etc.
• Elective surgery or tests not required by a
  doctor.
• Vaccines, non-essential or esthetic medicines
• Injury during dangerous sports

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Whats NOT Covered (cont.)

• Doctors visits for prescription medication
  refills, regular checks for ongoing, chronic or
  non-emergent conditions
• Going home or to the USA for longer than 30 days

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Before you see the doctor

• Bring a claim form and your health insurance card
  with you so that the doctor will not charge you
  for your visit.
• Read and understand your policy. If you have
  questions, ask the ISA office or call Student
  Guard. The policy is translated into several
  languages.

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Student Guard Website

• http//www.studentguard.com/

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How much does it cost?

• Your insurance costs 275.09 per individual per
  semester.
• You have to pay for your own prescriptions and
  wait for a refund

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If you are leaving MUN

• When you finish your program, or if you leave MUN
  before youre finished let our office know.
• We can only cancel your insurance for you if you
  ask us before the opt out date and only if you
  have not seen any doctors (made a claim)
• If you are registered, you will be charged for
  health insurance. If you take a semester off,
  but still need insurance, contact us to find out
  how to purchase private health.

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If you need help

• Come to our office and ask one of us
• Call the insurance company (the toll-free number
  is on the back of your card)
• Visit our website for a copy of the policy and
  downloadable claim forms

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How does the Canadian Health System work?

• Canada has a government funded health care
  system.
• All people are provided with equal treatment.
• First come, first serve basis

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Three levels of care in Canada

• General practitioner family doctors at their
  clinics.
• Specialist doctors who are trained in specific
  areas of medicine. People can only see these
  doctors if they are referred to them through
  their general practitioner family doctor.
• Emergency services at the hospital. People only
  visit these rooms when they are in crisis and
  need immediate care.

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Going to see Specialist Skit
Double click on the video image to view skit, and
turn up the volume on your computer
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Going to Emergency Room skit
Double click on the video image to view skit, and
turn up the volume on your computer
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What are the first steps I have to take when
first arriving in Newfoundland?

• Apply for you Student Guard Insurance Card
• You need to go to the International Student
  Advising Office
• Locate the Student Health Office (4th floor of
  the University Center). This is the office where
  the Universitys GP family doctors are located.
  Talk with the secretary about becoming a patient
  of one of these family doctors.

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What does a General Practitioner (GP) Family
Doctor do? 

• General practitioner family doctors are a
  persons main doctor in the Canadian healthcare
  system.
• Take care of the majority of health issues
• Monitor all other services their patients have
  with other doctors by requesting the results of
  these services.
• Main health file is kept with your family doctor.
  

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List of services family doctors perform with
their patients 

• Diagnose and treat people's health issues
• Give advice and support
• Consult with other health professionals and
  referring people to specialized care.
• Interview and examine patients
• Order lab tests, x-rays and other tests to assess
  their health and diagnose health problems
• Recommend care and treatment, which may include
  prescription medications or treatments,
  nutritional advice.
• Make referrals to specialist physicians or other
  healthcare professionals, such as
  physiotherapists or massage therapists
• Give vaccinations, and in the case of some family
  doctors, deliver babies and provide healthcare
  before and after birth

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Where can I find a General Practitioner (GP)
Family Doctor 

• NOTE It is VERY DIFFICULT to find a GP Family
  Doctor in Newfoundland
•  MUN has three of these doctors on staff
  full-time at the Student Health Office (4th Floor
  of the University Center).
• Make an appointment by calling [phone].
• As a student of Memorial, you will automatically
  be accepted as a patient at this clinic.

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Cancellation Skit
Double click on the video image to view skit, and
turn up the volume on your computer
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• If you want to see a GP family doctor outside
  this office, you need to call [phone] and
  press 1 to get a list of GP family doctors who
  are taking new patients.
• This list will be broken into three sections St.
  Johns East, St. Johns Center, and St. Johns
  West. You can get to all three of these areas
  using public transit, however, St. Johns East
  and St. Johns Center is the closest to the
  university.

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What do I do if I am sick?

• General Sickness
• Call the secretary of your (GP) Family Doctor and
  ask for an appointment Student Health Office
  (737-7597)
• Ask to be notified if there are any
  cancellations/asked to be squeezed in
• Doctor will determine if you need to see a
  specialist
• At Student Health, there is a nurse who is also
  available who can be seen for some issues
• Emergency Sickness
• For urgent care, go to the emergency room in one
  of the two hospitals

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Science experiment skit
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turn up the volume on your computer
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Pharmacy

• In Canada, patients need prescriptions for
  medication
• Examples of pharmacies are
• Campus Pharmacy (3rd Floor University Center),
• Shoppers Drugmart
• Lawtons Drugs
• Walmart Pharmacy
• Pass the prescription to the Pharmacist and
  he/she will give you your prescription

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Pharmacy skit
Double click on the video image to view skit, and
turn up the volume on your computer
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What are the names of the hospitals in St.
Johns and where are they located?

• St. Claires Mercy Hospital is located downtown
  on St. Claires Avenue.
• The Health Sciences (General) Hospital is located
  on the university campus, Prince Phillip Drive
• The Janeway Hospital is a part of the Health
  Sciences Hospital. This is Newfoundlands
  childrens hospital. People under the age of 12
• The Waterford Hospital is the mental health
  hospital in St. Johns located on Waterford
  Bridge

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The End