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Medical Care For JLab Users

Medical Care For JLab Users. W. S. Chandler, MD JLab Occupational Medicine Director 6/10. Medical Care For Users. Where to obtain care Classification of medicines Over-the-counter Prescription P ayment and insurance. Medical Care . Where to obtain care Classification of medicines

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Medical Care For JLab Users

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  1. Medical Care For JLab Users W. S. Chandler, MD JLab Occupational Medicine Director 6/10

  2. Medical Care For Users • Where to obtain care • Classification of medicines • Over-the-counter • Prescription • Payment and insurance

  3. Medical Care • Where to obtain care • Classification of medicines • Over-the-counter • Prescription • Payment and insurance

  4. Non-emergencies: Dr. Office • Compared to other options (urgent care center, or hospital): • Advantages • Less expensive than hospital. Copayment is $30. • Better continuity of care. Same doctor each visit. • Best for long term conditions such as high cholesterol and high blood pressure. • Disadvantages • Appointment required. • First appointment must be scheduled far in advance, before an illness occurs. • Not open on weekends. • Urgent care is better for injuries.

  5. Types of Medical Offices • Primary care • Family Practice • Adults • Children • Female health • Internal Medicine • Adults only • Obstetrics and Gynecology (OB/GYN) • Women only • Pediatrics • Children only • Specialists • Most require referral from a primary care doctor • Types of providers • Doctor • Supervised by a doctor • Nurse Practitioners • Physician’s Assistants

  6. For Appointments, Think Ahead • A list of “Network” doctors, approved by the insurance company is in the blue “Beechstreet Providers” bookletgiven by Sue Ewing. • First appointments often take several weeks. • If you have long term medical conditions, obtain a personal physician as soon as possible before you have a need. • If you do not have medical problems, but you want to be seen for prevention purposes such as cholesterol testing, obtain a personal physician as soon as possible. • If you do not have a personal physician and you become sick or injured, go to an urgent care center, unless you need a hospital emergency department.

  7. Non-emergencies: Urgent Care • Compared to other options: • Advantages • Most convenient option. • No appointment needed. • Longer hours of operation. Open evenings and weekends. • Cost same as doctor’s office. • Best for problems that develop quickly, such as injuries. • Disadvantages • Less continuity of care than doctor’s office. Less likely to see same doctor each time.

  8. Hospital Emergency Departments • For an ambulance, call 911. • Advantages • Equipped for all emergencies. • Disadvantages • Expensive. Copayment is $250. • Inconvenient. Long, unpleasant waits are common. • Follow-up with a primary care doctor required. • Best for emergencies but worst for everything else. • Definition of “emergency” is determined by each individual person.

  9. Locations • Hospital Emergency Departments • Port Warwick Emergency, approximately 1 km from JLab • Riverside Hospital. Newport News. • Mary Immaculate Hospital. Newport News. • Sentara CarePlex Hospital. Hampton. • Urgent Care Centers • Sentara Urgent Care • Med Express • Patient First • Family Care of Denbigh • For directions, call Directory Assistance, 411 • Doctor’s Offices • Check provider booklet given by Sue Ewing, JLab extension 7687.

  10. JLab Occupational Medicine Department • Injuries caused by work • Personal medical emergencies that occur at work • Advice in special urgent circumstances

  11. Report Injuries at Work • ACCIDENT/INJURY REPORTING • If you have an accident/injury (no matter how small) that occurs during normal business hours, you must report it immediately to your JLab staff sponsor and to Occupational Medicine at extension 7539. • If you have an accident that occurs outside of normal business hours (8:00a.m.- 5:00p.m.) and you feel you need medical care, then you must go to Port Warwick Emergency Care,open 24 hrs. • Medical Treatment is especially important in the case of: • Skin*: • All chemical exposures. • All work related rashes. • Any cut or abrasion that needs more treatment than a Band-Aid. • * Tetanus vaccine is needed every 10 years. If there is an abrasion or laceration, tetanus vaccine is often recommended when the previous vaccine was given 5 or more years previously. • Eyes: • All chemical exposures. • All foreign bodies or exposures that cause abnormal vision or sensation lasting more than 2 minutes. "Abnormal" means "not normal." It is not restricted to "painful." If there is any residual foreign body sensation, report to Occupational Medicine. • Musculoskeletal: • Anything that causes abnormal sensation for more than two minutes. “Abnormal" can include sensations other than pain. • Pulmonary: • All chemical inhalations that cause cough or shortness of breath. • Cardiac: • All possible electrical shocks that may have caused a cardiac arrhythmia. • WHEN IN DOUBT REPORT IT!

  12. Medical Care • Where to obtain care • Classification of medicines • Over the counter • Prescription • Insurance and payment

  13. Classification of Medicines • Over-the-counter (OTC) • Do not require doctor’s prescription • Purchased at pharmacies (drug stores) and grocery stores • Many different brand names and generic names for the same medicine. Read directions carefully to avoid taking double doses. • Prescription • Require doctor’s prescription • Purchased at prescription area of pharmacies • Always read instructions and precautions

  14. Common OTC Medicines • Pain, for instance, headache, joint and muscle pain, menstrual pain • Ibuprofen, includes brand name Advil • Acetaminophen, includes brand name Tylenol • Aspirin. Similar to ibuprofen but more side effects. • Nasal congestion • Pseudoephedrine, includes brand name Sudafed. Does not require a prescription, but you must specifically request it from the pharmacist. It is not placed on the shelves. • Night time cough • Diphenhydramine • Day time cough • Dextromethorphan • Difficulty sleeping • Dyphenhydramine • Allergy • Zyrtec • Claritin

  15. How to Select an OTC • Ask pharmacist for advice, and/or • Find symptom area in pharmacy • Pain • Colds • Allergy • Look for adult or children’s medicine • They are labeled differently • Read label • Do not take the same medicine under different names • Read precautions and side effects

  16. How to Obtain a Prescription Medicine • Required for • Most long term conditions, e.g., high blood pressure and high cholesterol • Antibiotics for bacterial infections • Narcotic pain medicines • Take doctor’s written prescription to the prescription area of a pharmacy • The assistant will tell you how long it will take to fill the prescription • Read the instruction sheet that comes with the medicine • The medicine bottle will tell whether refills are allowed

  17. Medical Care • Where to obtain care • Classification of medicines • Over the counter • Prescription • Insurance and payment

  18. Payment • Prescription medicine • You pay the total cost at the pharmacy • Take receipt to Sue Ewing, 7687 • You will be reimbursed 75% of the cost • Doctor’s office • When you check in at the reception area, show the JLab visitor insurance card that you received from Sue Ewing • Insurance pays most of the cost, except for a $30 copayment that is required when you check in at the reception area • Admission to Hospital • Insurance pays 80% of the cost • 20% deductable is also required • Copay: A charge directly to you at each visit and with each prescription at the pharmacy. There is no limit to the number or total cost of copayments. • Doctor’s office or urgent care center: $30 per visit. • Hospital emergency department: $250 per visit. • Prescription medicine at the pharmacy: 25% of total cost. The remaining 75% is paid back to you. • Admission to the hospital: 20% of cost. • Deductable: An annual cost of $250 that is paid through the copays. This is supposed to represent the total amount you pay per year, except for the copayments.

  19. Insurance • Non-U.S. Users receive insurance paid for by JLab, except for copayments and deductibles. • CMI is the insurance company that JLab purchases User insurance from. http://www.globalmedicalusa.com/travel-medical-insurance/view-all-plans/global-medical-usa.aspx • Family members are not covered by User insurance, and so additional insurance must be purchased for them. • The recommended option is to purchase Global Travel Insurance from CMI. • Equivalent insurance can be purchased from other companies, but it must include medical evacuation and repatriation coverage, and the policy must be reviewedby Sue.

  20. Thank You! These slides are posted on the insurance page of the JLab International Services site, www.JLab.org/jris

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