The USC Health
Insurance and USC Health Center Fee
The mandatory health center fee is for the USC clinic. You
can go to use their service if you need. It is not for emergency
nor serious health problem. In those case, they will refer
you to the USC hospital network, using the optional USC health
insurance plan.
You MUST have some kinds of health insurance. You do not know
what will happen such as Oh+'s Pneumothorax or my torn ACL.
Without the health insurance, the health service fee in the
US is very expensive. It does NOT have to be through USC.
Nevertheless, it did save someone's life. Oh+/Oakley said
"I've found that having USC insurance is probably the
best thing ever for me...especially when my lung collapsed
2 years ago. A lot less hassles."
The USC health insurance is optional but you have to show
your third-party sufficient insurance to USC health center
to waive this optional fee.
Every student including Americans has to pay for the Health
Center fee.
Every new student is going to have an USC financial account
automatically.
For an international student, both Health Center fee and
Health Insurance fee will be charged to her account automatically.
However, they are going to return only the Health Insurance
fee back in a couple of weeks if the proof of SUFFICIENT health
insurance is presented to the Health center.
Since every student pays for the health center fee, he/she
can go to use their services but he/she has to buy medicine
with her money. The health center is similar to a big polyclinics
in Thailand. They can draw blood to help diagnosis, perform
X-ray exam, take history, perform physical exam and give a
prescription to buy medicine. If the health center cannot
handle your problem, they will refer you to a specialist or
hospital for further diagnosis and treatment. In this case
as well as real emergency and hospitalization, you need the
health
insurance to pay for you. (A few days in a hospital may cost
$20,000 easily.)
Bad news! Not like in Thailand, most of your visits to the
USC Health Center for their services, you have to see a physician
assistant. If he/she cannot handle your problem, she/he will
give you an appointment with a doctor at the Center or give
you a referral letter to see a doctor/specialist outside the
Center (of course, with your insurance money either USC or
third-party own). Actually, if you have a very good third-party
insurance plan (as Oh+'s after graduation), you can go to
see a doctor outside the Center directly. However, which doctor
or hospital is depended on your insurance plan/company.
-- modified from P' Wit and P' Oh+ Oakley webboard messages
by A
- To waive your USC health insurance fee, bring your
third-party insurance receipt to room# 649 at Parking
Structure D (PSD).
- One of recommended non-USC health insurance company
is Scholastic Insurance Services (SIS).
It provides much cheaper health insurance plan, and
its policy certainly matches that of USC.
- To switch your health insurance to the third-party
one, you have to do it in Fall semester. In Spring semester,
USC prohibits any enrollment in the third-party insurance
. It allows only renewal.
- USC does its insurance plan with AIA.
- If you go to USC with KOR POR scholarship, they may
buy you an insurance plan, so you can show it to USC
to waive the insurance fee.
The USC Immunization
Requirement
In general, one could just go to any hospital nearby. Bring
with him/her the USC form, the one you have to use the 2B
pencil to fill it out, the birth certificate and the health
care record. Take the required vaccines and have the doctor
signed the paper. In some case, he/she will have to take the
X-Ray of his/her lung.
"I remember taking a measles vaccine and an X-ray for
my chest at Phaya Thai Hospital and had the doctor there signed
an sort-of immunization document that came with the admission
package (remember that package from USC notifying that you
are admitted, that 'Congratulation!' stuff?) The signed paper
work for me here (ie, I didn't have to take a measles vaccination
here at USC) but I did have to skin-test for Tuberculosis
(TB) anyway once I arrived, despite having the X-ray with
me." said P' Peach.
American doctors think that the TB skin test is important.
If it is positive, a further investigation has to be done
such as chest X-ray and sputum smear exam.
But Thai doctors do not think that the TB skin test is important
in a Thai healthy person. Because most of Thais are positive
for the test without active TB. So the chest X-ray is more
important than the TB skin test for Thai doctors as well as
American doctors with
enough knowledge of international epidemiology.
Anyway, what is written should be done, so that you will
not waste your time again at the health center.
You can avoid most of viral vaccination if you have your
documented vaccination history or you have positive blood
test for those viruses. (Your blood can be drawn at once but
sent for many tests. Ask your doctor if you want to avoid
some viral vaccinations.)
If you TB skin test is negative, the chest X-ray is not required.
But a letter from your hospital is required verifying that
the test is negative.
If it is positive, you might be one of these cases:
If you are healthy, you might come from a very good hygiene
family.
If you are not healthy, further investigations are recommended,
e.g. for AIDS, on an immunosuppressant, (any condition compromising
immune system).
If the doctor at the USC health center has enough knowledge
of international Epidemiology, she/he WILL NOT order you the
skin test. Because you have the negative chest X-ray which is
more definite than the skin test.
In the US, if the skin test is positive, the doctor will
order chest X-ray and/or smeared sputum AFB stain (again,
the stain is hardly to be positive unless there is active
TB in the lungs). You see, Thai doctors go for the second
step right away. Because most of Thais are positive for the
skin test but have no active TB in their bodies. Thais are
exposed to TB often enough to activate their immune systems
to be positive for the skin test (but not infected).
After the TB is nearly eradicated from Thailand for a while,
the negative skin test measurement will be useful to be the
first step of TB detection. Unfortunately, that hope might
not be possible soon because of the AIDS' prevalence. An AIDS
patient can easily get TB infection and spread until after
a couple of weeks of TB treatment. In the USA, if they cannot
control AIDS with TB, a lot of Americans will have the positive
skin test but no active TB as Thais do in the near future.
-- modified from P' Wit and P' Peach webboard messages by
A