Wednesday July 17th, 2013 - Issue #22
International Education News
Welcome to the July newsletter! We regularly answer questions about
healthcare reform, the Patient Protection and Affordable Care Act (PPACA) and how the new laws and
regulations may impact international students, so in this issue we share what we know for sure, and the
ever-smaller areas where there is still uncertainty.
International student loans are another hot topic for advisors and students this time of year, so be
sure to take advantage of the free tools that can help you and your students through the process.
Please contact us if you have ideas for future
newsletters, any comments, questions or concerns.
The Envisage International
International Education News
What Impact Will PPACA Have on International Students?
We get this question, in one form or another, on a regular basis. When PPACA
first passed, on March 23, 2010, international students were not on anyone's mind. When the law was
upheld, President Obama was re-elected, and the world did not end, more and more participants in the
insurance industry started to accept the new regulatory structure as reality and began planning in
earnest. Last November in our home state of Florida, Governor Rick Scott dropped his vocal opposition to
all things healthcare reform related and started conversations with federal officials over the set-up of
Florida's exchange. This year on October 1st many state exchanges will go live, including Florida's,
which will be operated by the Federal government.
the three years plus since the law was passed, many of the uncertainties surrounding PPACA and its
application to international students have been cleared up. From the "student health insurance coverage"
regulations issued in March 2012, we have fairly straightforward guidance when it comes to a college or
university contracting with an insurer for an international student group plan. And from our
conversations with many international insurance providers, we have a good handle on the main avenue
issuers are using to offer appropriate individual plans for international students.
remaining areas of uncertainty center around the requirement that each US resident have "minimum
essential coverage," commonly referred to as the individual mandate, how that requirement will be
applied to non-US students, what coverage will be deemed to meet the requirement, how the plans
available through the exchanges will impact the requirements and how effective the tax penalties for
non-compliance would be for international students.
a more in-depth review of PPACA and its application to international students,
today's PPACA blog post.
International Financial Aid
International Student Loans Available
As the school year approaches, many students are finalizing their
budgets and determining
how they will cover their overall education expenses.
There is limited financial aid available to international students depending on your school, and
sometimes scholarships, grants and fellowships aren't enough. If your students are still coming up
short, international student loans are available as an option.
While international students must have a US
cosigner to apply, they
can use our comparison tool to find lenders. Here, after selecting their citizenship and school,
international students will be matched with all of the lenders that will work with non-US citizens at
their school. They can compare their options and determine which loan is a good fit for them. Terms and
conditions are the same as US students receive.
See what student loans are available at your
school and be sure to share this with your students in your newsletter, orientation and social
Online Marketing & Student Recruitment
Millennial Generation... challenge or potential?
In the next 15 years, half of the global population will be 21 years old or
younger and the birthrate in many countries is growing at an alarming rate. Today, the average age in
China and India is in the mid-twenties and some American sociologists say the Millennial Generation may
grow to 100 million strong in the U.S. The earth's population is indeed growing younger.
schools, marketers, and anyone else who deals with young people, regardless of the industry, the
Millennials are bringing both great potential and challenges, as they are the first generation to be
shaped by interactive media.
Navigating the US Healthcare System
The US healthcare system can be tricky for international students to navigate
and understand. Many students come from countries that have national healthcare systems, so they are
used to simply walking into their local doctor's office or emergency room for treatment.
It's also no secret that the US has the most expensive health care system in the world. Most medical
providers in the US won't provide medical care unless you have health insurance or you pay upfront for
their services. This system, along with students lack of knowledge of how it works in the USA, can cause
problems and confusion.
address this knowledge deficit and to provide a resource for international advisors, we developed the
International Student Insurance Insurance
Explained section. The new section features a breakdown and explanation of how the US health
system works, but also covers a range of topics including descriptions on the varying types of student
insurance coverage, guides on how to select the right coverage and explanations of important insurance
terms (all as related to international students). We will continue to develop this resource, but if you
have any questions or would like further information for your students about any aspect of the
healthcare system in the US, please let us know.
Virtualization and website development
One of the challenges we face here at Envisage is the ability to develop and
QA new websites and tools without impacting the current websites. By using hardware virtualization we
have created a process that allows each developer to write, deploy and test their code against a clone
of our production web servers. This saves time and money by not requiring that we have dedicated
hardware servers for each developer and it ensures that the code we write will behave as intended on our
production servers. We can explore different combinations of HTTP servers, database engines, scripting
technologies, etc., that can be easily configured per developer, without stopping the work of the other
Read more about how we use virtualization technology to build our sites on the
Upcoming Industry Events
Here are the upcomming conferences we will be attending:
- LeadsCon East, August 14-15 - New
- NACAC (National Association of
College Admission Counseling), Sep 19-21 - Toronto, Canada
- WYSTC - September 17-20, Sydney
- NAFSA Regionals - Stay tuned for
our 2013 schedule
Contact us and schedule an
appointment if you are attending any of these events, as we would love to see you.