Marshall University's L.E.A.P. Intensive English Program
HEALTH CARE GUIDE
Do I need to have health insurance?
Yes, the L.E.A.P. Intensive English Program requires all international students (on F-1 and J-1 visas) to have health insurance while studying at Marshall University.
Why do I need to have health insurance?
Insurance will protect you against the very high medical costs in the U.S.A.
How much does health insurance cost?
Marshall University's L.E.A.P. Program offers a comprehensive group policy for individual students which costs around $40 per month. This plan can not be used for a family. Costs for a family may be as much as $200 per month.
A comprehensive policy will cover visits to the doctor's office, medicine, hospitalization, surgery, ambulance care, X-rays and laboratory tests. These policies do not cover dental work or eye examinations and glasses.
What are some English words and phrases I need to know in order to understand my health insurance plan?
Coinsurance Percentage: The percentage you will pay at a hospital and a doctorÕs office. Your insurance company will pay the rest of the payment.
Covered Expenses: The money your health insurance company will pay for you when you become sick or injured. There are some restrictions as to what your health insurance company will pay.
Deductible: The amount of money you will pay at a hospital or a doctorÕs office. Your insurance company will pay the rest of the payment.
Pre-Existing Condition: If you have been sick or injured ONE YEAR before you start your health insurance plan, this is a pre-existing condition. Often your insurance company will NOT pay for the treatment of your pre-existing condition in the first year of your enrollment. You may want to ask your health insurance company what their policy is.
Claim: A piece of paper that you and your doctor/physician fill out. You will send this claim to your health insurance company, and they will reimburse your money you paid at a hospital or a doctorÕs office.
Participant: The person who will be covered by the health insurance. You do not have to be the one to be paying for your health insurance plans.
Premium: The amount of money you pay to your health insurance company.
Immediate Family: Your wife/husband, your children, your siblings, and your parent.
Outpatient: If you go see a doctor/physician at a hospital or a doctorÕs office, you are an outpatient. If you stay in the hospital, you are then "inpatient."
Where can I get health insurance?
Visit the L.E.A.P. office in Old Main 320 and our staff will help you to join our group health insurance plan.
Where should I go if I get sick?
If you have a non-emergency health problem, you can go to the Marshall University Student Health Clinic. This is a FREE clinic for full-time Marshall University students, including students in the L.E.A.P. Program. The Student Health Clinic is locted at the Marshall Medical Center in Cabell-Huntington Hospital. It is open M-F, from 8:30AM to 4:30PM. You may want to call the Marshall Medical Center in advance to make an appointment. The number is 691-1106.
Download and complete the form before you visit the Student Health Clinic:
Marshall University Student Health Form (English)
Download these translations of the form:
Marshall University Student Health Form (Japanese)
If you have an emergency health problem, you can go to the emergency room at Cabell-Huntington Hospital. You do not need to make an appointment to go to the emergency room. The emergency room is open everyday, 24 hours per day.
How do I get to the Student Health Clinic?
The Tri-State Transit Authority now provides safe and convenient bus service to Cabell-Huntington Hospital and the Marshall Medical Center, the home of the Student Health Clinic.
The bus to the Marshall Medical Center is marked:
Hal Greer Blvd-18th St. (the bus should have the number 8)
The bus is scheduled M-F at the 18th Street and 5th Avenue shelter (across from the dormitories) at the following times:
Mornings: 7:45, 8:45, 9:45, 10:45, and 11:45
Afternoons: 1:15, 2:15, 3:15, and 4:15
When you get on the bus, you can ask the driver the following questions:
"Does this bus go to the Marshall Medical Center?"
"Could you let me know when we get to the Marshall Medical Center?
When you come back from the Marshall Medical Center, you can take the bus at the following times:
Mornings: 7:15, 8:15, 9:15, 10:15, and 11:15
Afternoons: 12:45, 1:45, 2:45, 3:45, 4:45 and 5:35
FREE bus tickets are available at the Welcome Center located at 18th Street and 5th Avenue. Visit them and tell them that you are going to the Marshall Medical Center.
How do I get to the emergency room?
If you need an ambulance, you can call 911. The ambulance will take you to the emergency room at Cabell-Huntington Hospital or St. Mary's Hospital. Both hosptals are near the Marshall University campus.
You can also call a taxi. The cost will be about $10. When you get in the taxi, you can tell the driver the following:
"Please take me to the emergency room at Cabell-Huntington Hospital."
If you go to the emergency room, please call our office and let us know that you are at the emergency room.
What are some English words and phrases I need to know to talk with the doctor?
The doctor will ask you several questions to discover what the problem is and what he or she can do to treat you.
What is the matter?
I have a headache. I have a stomachache.
I have a migraine. I have an allergy.
I have anemia. I have runny nose.
I have a cough. I have no appetite.
I have a sore throat. I have a cold.
My ( ) is itchy. I burned ( ).
How are you feeling?
I feel dizzy. I feel shivery.
I feel weak. I feel tired.
Do you have any pain?/ Where does it hurt?
I have pain in ( ).
Are you on some dedication?
I am on medication for ( ).
Are you allergic to anything?
I am allergic to:
antibiotics, aspirin, bees, codeine, dairy products, MSG, Penicillin, pollen
Here are some other words you can use to describe your health problem. Please help us translate these word into your language.
JAPANESE (Part 1) JAPANESE (Part 2)
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General Condition |
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Pain |
Sharp pain |
Dull Pain |
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Chill |
Fever |
Sweat |
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Tiredness |
Headache |
Edema |
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Rash |
Dizzy |
Sleepy |
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Insomnia |
Thirsty |
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Digestive System |
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Stomachache |
Appetite |
Heartburn |
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Belch |
Tenderness |
Abdominal pain |
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Nausea |
Vomiting |
Diarrhea |
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Respiratory System |
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Chest pain |
Back pain |
Sneeze |
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Cough |
Sore throat |
Running nose |
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Nose obstruction |
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Circulatory System |
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Palpitation |
Short of breath |
Arrhythmia |
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Tachycardia |
Bradycardia |
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Nerve and Muscle System |
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Illusion |
Hypesthesia |
Tremor |
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Speech disturbance |
Visual disturbance |
Muscular pain |
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Joint pain |
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Surgical System |
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External wounds |
Cut |
Puncture |
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Fracture |
Torsion |
Dislocation of bone |
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Contusion |
Furuncle |
Bleeding |
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Skin System |
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Itchy |
Bruise |
Urticaria |
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Ear, Nose, and Throat System |
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Sore throat |
Loss of voice |
Hoarse voice |
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Nasal bleeding |
Earache |
Ringing in the ear |
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Difficulty in hearing |
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Eye System |
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Visual disturbance |
Poor vision |
Tearing |
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Photophobia |
Foreign body in the eye |
Blurred |
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Dental System |
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Tooth decay |
Tooth pain |
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