‘Simukupereka kalikonse:’ Ophunzira apadziko lonse lapansi akuwonetsa nkhawa za inshuwaransi za Student Health Center | Nkhani

Zindikirani: Reveille amapereka mndandanda wofufuza pazochitika za Student Health Center. Ili ndi gawo lachiwiri la mndandanda womwe ukupitilira.

Pamene wophunzira wapadziko lonse wa LSU Sohail Kaveli adayambitsa msonkhano ndi Julie Hubrich, mkulu wa Center for Student Health, kuti akambirane njira zothetsera ophunzira omwe sangakwanitse kupeza chithandizo chamankhwala kusukulu, adanena kuti sanapeze mayankho.

Maola awiri pambuyo pa msonkhano wa Zoom, pomwe The Reveille adapeza chojambulira, Caveille adati iye ndi ophunzira ena sanapite patsogolo kupeza mayankho akanthawi kochepa pamavuto awo.

“Dongosolo lalifupi ndikulembetsa inshuwaransi yabwino,” Huberich adauza ophunzirawo pamsonkhano. “Kapena fikirani woyang’anira milandu wathu yemwe angakuthandizeni kulumikizana ndi zinthu zina.”

“Simumapereka chilichonse,” adatero Caveli poyankha Huberich. “Ndikufunsa chifukwa simukupereka kalikonse, ndi [the] Ndondomeko ya inshuwaransi ya LSU ndiyokwera mtengo kwambiri kwa aliyense, ndipo palibe amene akufuna kuigwiritsa ntchito.

Caveli adapitilizabe kulangiza mayankho monga kuyikanso ndalama ku Student Health Center kuti agawanenso ndalama kuti achepetse mtengo wamaphunziro azachipatala kwa ophunzira.

Hupperich adati ophunzira akuyenera kulembetsa kuti alandire chithandizo chamankhwala komanso kuti ophunzira angakumane ndi woyang’anira milandu lero.

Caveli adati Hupperich akubweretsa vutoli kwa ophunzira poyankha kukonzanso yankho lake kwakanthawi kochepa.

Chidziwitso: Nkhani yoyambirira ya nkhaniyi inanena kuti wophunzira amalipiritsidwa ndalama zingapo mochedwa pazachipatala. Komabe, mtengo uwu unali wa …

Huberich adati zokambiranazo “zikuyenda mozungulira,” komanso kuti Student Health Center sinalandire madandaulo ambiri okhudza ngongolezo. Ananenanso kuti adayesetsa kulimbikitsa ophunzira omwe sangakwanitse maphunziro a yunivesite.

Pamene LSU idagwirizana ndi LSU Healthcare Network pa Meyi 10, 2021, inali “in-network” yokhala ndi mapulani akuluakulu a inshuwaransi ku United States, kuti ma inshuwaransi ambiri agwiritsidwe ntchito ku Student Health Center. Komabe, ophunzira akukhulupirira kuti izi zapangitsanso kuti mitengo ya chisamaliro choyambirira ikwere.

“Tikuyesera kukhazikitsa njira zodzitetezera kuti ophunzira asamangokhalira kuphunzitsidwa bwino ndikupeza mapulani ocheperako, komanso kwa ophunzira omwe achita izi, zakhudza kwambiri, ndipo tikuwona. tsiku lililonse.” Hubperich adatero. “Ndizovuta kwa ife kuti tiwone chifukwa alibe mwayi wofunikira. Koma tidachita zonse zomwe tingathe kuti tiwalimbikitse, kuwathandizira ndi kuwaphunzitsa pa ntchitoyi, kuti asathere kumalo ano.”

Koma adathabe pamalo amenewo, adatero Al Kafeli. Anati Student Health Center ikungoyesa kupeza ndalama kuchokera kwa ophunzira.

Wophunzira Wapadziko Lonse Wophunzira mu Geophysics Ritu Gus wochokera ku Bangladesh ndipo ndi Purezidenti wa International Students Association ku LSU. Anali m’modzi mwa ophunzira atatu apadziko lonse lapansi pamsonkhano ndi a Hupperich.

“Sindikudziwa ngati amaganiziranso mfundo yakuti ophunzira apadziko lonse sangakwanitse kulipira LSU inshuwalansi,” adatero Ghose.

Mtengo wa ndondomeko ya inshuwalansi ya umoyo (SHIP) yothandizidwa ndi LSU ndi $3,064 pachaka, malinga ndi webusaiti ya LSU Billing ndi Inshuwalansi. Ophunzira omwe adalembetsa mu SHIP amayeneranso kulipira ndalama zolipirirana mosiyanasiyana kuwonjezera pa mtengo wa $3,064. Ndalama zowonjezera za $ 185 za Health Student kuchokera ku Bili ya Malipiro a Yunivesite ndi malipiro ena omwe ayenera kutengedwa ndi ophunzira omwe adalembetsa mu SHIP kuwonjezera pa ophunzira onse anthawi zonse.

Popeza ophunzira ambiri sangakwanitse kulembetsa mu SHIP, amalembetsa ma inshuwaransi otsika mtengo omwe sangakwaniritse ntchito zambiri momwe amayembekezera. Ophunzira ambiri apadziko lonse lapansi amalembetsa ku International Student Insurance, yomwe imadziwika kuti ISO scheme.

“Timalimbikitsa ophunzira kuti alembetse mu ndondomeko yothandizidwa ndi yunivesite chifukwa aliyense amene ali ndi dongosolo la ISO ali ndi inshuwaransi kwambiri, ndipo mosasamala kanthu komwe akupita, ngakhale atakhala mu-network ndi ndondomeko yawo, ndondomekoyi imaphimba chilichonse,” adatero. Hubperich adauza ophunzirawo pamsonkhano.

Goss adati mavuto adayamba chaka chapitacho pomwe Student Health Center idalumikizana ndi mapulani ena a inshuwaransi ndikusintha ndondomeko zina zachuma, monga mtengo wa ntchito zina. Ophunzira omwe ali ndi inshuwaransi yabwino yaumoyo ali ndi mwayi wolandira chithandizo chamankhwala kulikonse.

“Kalelo, tinkadziwa [LSU going in-network] Zikhudza kwambiri ophunzira apadziko lonse lapansi komanso ophunzira omaliza maphunziro awo. “Tapempha kale kuti utsogoleri uganizire mokakamiza inshuwaransi.”

Hupperich adafunanso kuchotsedwa kwathunthu kotero kuti ophunzira apadziko lonse lapansi alembetse ku SHIP kapena kupereka umboni wa dongosolo lolimba, kuti asalembetse inshuwaransi yomwe imapereka chithandizo chochepa kapena ayi, adatero. Zoyesayesa zake zokakamiza inshuwaransi yovomerezeka ndi kuchotsedwa kwathunthu sizinaphule kanthu.

“Mukudula zopindulitsa zomwe m’mbuyomu zidathandizira ophunzira opanda inshuwaransi kapena ophunzira omwe alibe inshuwaransi, ndiye kuti simukuganiza za ophunzira,” adatero Goss. “[You’re] Ndikuganiza zogwira ntchito kuno.”

Gus ali ndi mantha kuti Komiti Yaikulu Yoyang’anira Masoka yaika iye ndi anzake m’mavuto azachuma. Iye adati sizowona makamaka kwa ophunzira apadziko lonse lapansi.

“Liti [international students] Bwerani kuno, sadziwa kuti zonse zili bwanji,” adatero Goss. Izo sizinalembedwe kuti “Hey, Medicare udindo ndi ngati kuti kunja uko.” Iwo alibe chidziwitso cha izi. “

Rachel Rex, director of the revenue cycle compliance ku ACS Medical Billing Solutions, kampani yolipiritsa ya Student Health Center, adayankha zodzudzula zolipira mochedwa m’nkhani yapitayi ya The Reveille. Ananenanso kuti ACS simalipiritsa ndalama mochedwa komanso sakhazikitsa mitengo iliyonse.

M’malo mwake, ma inshuwaransi amaika mitengo yoyendera chipatala, Rex adati, ndipo ngati ACS ikulipiritsa mochedwa, kudzakhala kuphwanya mgwirizano.

‘Chimene – chomwe [charging late fees] Rex anatero. “Malamulo a boma ndi apadziko lonse ndi okhwima kwambiri kwa odwala ena, ndipo pali malamulo ndi malangizo ena omwe tingatumize mawuwo kwa wodwala.”

Peggy Kelly, mkulu woyang’anira ntchito ku ACS, anati sukuluyo imakhala yotseguka kwa mafunso nthaŵi iliyonse ndipo nthaŵi zambiri ilibe vuto lolankhulana ndi ophunzira pa nkhani zimene zimabwera.

“Nthawi zonse takhala tikuyesera ndikugwira ntchito yathu patsogolo ndikuwathandiza ophunzirawa kuwatsogolera ku chilichonse chomwe tili nacho kudzera mu chilichonse chomwe tingathe kuwapatsa momwe tingathere, ndipo ndikuganiza kuti chipatala chikuyesera kuti izi zitheke,” adatero Kelly.

Kelly adati ophunzira awiri atha kulandira chithandizo chofanana kuchipatala, koma chifukwa cha ma inshuwaransi osiyanasiyana, wophunzira m’modzi atha kupatsidwa ndalama zambiri zochotsera kapena mtengo wake.

Huberich adati ophunzira onse apadziko lonse lapansi ayenera kusaina chilolezo asanasinthe inshuwaransi.

“Amadutsa njira yomwe amayenera kuyankha mafunso ena okhudza ndondomeko yatsopano yomwe akufuna kulembetsa, ndipo mumawayendetsa m’mafunso kuti muwonetsetse kuti akupeza chidziwitso chofanana ndi ndondomeko yothandizidwa ndi yunivesite,” adatero Huberich. .

Huberich adanena kuti Primary Health Care Commission yakhazikitsa mafunso kuti ateteze wophunzirayo, kuti ophunzira aziphunzitsidwa panthawi yothamanga zomwe ayenera kuyang’ana mu ndondomeko ya thanzi. Vutoli, adati, limabwera wophunzira akamaliza kulembetsa koma amalembetsabe dongosolo lokhala ndi ndalama zochepa kapena ayi.

Malinga ndi a Kafili ndi Ghose, ophunzira apadziko lonse sakusangalala ndi yankho la Hupperich, ndipo akukonzekera kuchititsa holo ya tauni ndi Hupperich kuti ophunzira ambiri athe kufotokoza nkhawa zawo.

“Ngati titha kupeza inshuwaransi yamphamvu, pakufunika chiyani pachipatala cha ophunzira pasukulupo?” Unatero mzimuwo.

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