Transcript of Podcast #24: Student Health Insurance & Student Health Center
In Attendance: Melisa Perut (she/they) & Catherine Seo (she/her)
Melisa: Hello everyone, welcome back to another GIC episode. Today we’re going to talk about student health insurance and the Student Health Center at UCI. We have the wonderful Catherine with us today and I’m also your host Melisa. As always I forget to introduce myself at the beginning but that’s okay. So thanks Catherine for joining us today. Thank you for being here. Can you introduce yourself to us?
Catherine: Yeah, hello, my name is Catherine and I go by she/her pronouns and I am a P.h.D. Student in the Department of Chemistry.
Melisa: Awesome. And where do you call home?
Catherine: I’m from, South Korea, right outside of Seoul, but I’ve been studying in the United States for about a decade, now, mostly on the East Coast. So I have different homes all around the world. Yeah.
Melisa: Yeah, I get that. And how, how long have you been in Irvine?
Catherine: I’ve only been here for about 2 years now. I’m going into my third year. Yeah.
Melisa: Okay, and you were in the East Coast before that, huh?
Catherine: Yeah, yeah
Melisa: How do you like the weather?
Catherine: I think right now, right now it’s a little too hot and it’s getting a little humid. But for the most part I definitely don’t miss, the snow or anything. I lived where it was snowing a lot mostly from like November to May. So, so yeah, I really love the weather. I love how close I am to the beach. Stuff like that. So.
Melisa: Awesome. Yeah, I also lived in the East Coast for a while and it’s not nice when it’s always snow.
Catherine: Yeah.
Melisa: So I get that. And Catherine, have you been, mentor before for GIC or mentee?
Catherine: Yeah, I’m actually a returning mentor from last year and I believe I was a of yours, like my first year, when I came in as an incoming grad student. Yeah.
Melisa: Yeah, I remember and, it’s It’s so nice to have everybody, join us, you know, come back and be mentors and especially after being a mentee, and building those connections. So great. And thank you so much, atherine, for being here today. And before we begin and go into health insurance and all of the, you know, serious stuff. What do you like to do in Irvine in your free time? You mentioned the beach. So do you go to the beach a lot?
Catherine: Yeah, I think my first year of being here, I was really excited to go to the beach all the time. I don’t go there as often anymore, I really should. But yeah, I think I’ve just kind of discovered more things to do around here. I was just, at my first year, I was fascinated by the fact that you can have bombfires at the beach. I was just at, during my first year. I was fascinated by the fact that you can have bonfires at the beach. So I used to do that all the time, but now I like doing things like hiking and there’s just so much more in kind of Southern California’s especially this coastal area to do other than just going to the beach. So yeah, I’ve been enjoying like just the landscape here and how, you know, diverse it is.
Melisa: Awesome. Yeah, no, I completely agree. My only problem is I need shade when I hike. So I had to go really early in the morning or I don’t go at all because it’s so sunny all the time.
Catherine: Yeah, yeah, I do try to cover up as much because I don’t, I get like sick from being in the sun for too long.
Melisa: So yeah. Yeah. Yeah, yeah, and I get that. And since we’re talking about, you know, having like these health issues, since you go on hikes you know it’s a great workout but then you might you know sprain your ankle or something. So what do you do then? How are you covered? Do we have insurance? Can you tell us a little bit about that?
Catherine: Yeah, as a, the insurance that you’re more most likely to have is, the Graduate SHIP or GSHIP, through the school and it is I believe a part of a like Anthem Blue Cross PPO insurance which is just an insurance that the school works with. And we have a Student Health Center that is on campus that is pretty much walking distance from everywhere on campus. That you can visit to get any kind of like primary care. Or they, I think also, offer dental care as well. So, yeah.
Melisa: Yeah, no, that’s great. So, we have the GSHIP and we have a Student Health Center. So, can you tell us a little bit about the Student Health Center? Where can we find more information about it? Is it somewhere that we go when there’s an emergency? Can you like give us a little bit more information? Yeah.
Catherine: Yeah, for sure. I believe the student, most of the information about the Student Health Center, including kind of the like location as well as kind of the hours, of operation. You can find on the Student Health Center, website, which is https://shc.uci.edu/. And yeah, and I believe that they have, so ours during the hours of operation, they have staff that can take care of you on site. Ranging from all the way from nurses to nurse practitioners to primary care providers or PCPs or to specialists. So if you have any special needs, that is that is all kind of available on site. We also have, more off campus in-network providers or out-of-network providers that we can get into a little later as well. For regarding kind of emergency services as well as after hours care. I believe there is an after our line that is available for people to call in and see if you know if there are services. That they can provide or at the moment or if they can get, get you connected with any other urgent care facilities around here. So yeah, they provide kind of all the information is centralized on their website if you wanna check it out.
Melisa: Nice. So, just so everybody kind of gets an understanding. Student Health Center is the first place you kinda go to when you don’t have an emergency. And you kind of use them to get, see a primary care professional that would help you, you know, connect to the necessary departments that you need to connect to. So and you can tell a little bit more about that, but how can we connect to the Student Health Center? How do I just go there? How do I make an appointment and just get myself there?
Catherine: Yeah, yeah. So most of the, any, kind of appointments that you might have to make, you can give them a call at (949) 824-5301 which I believe is the central phone so that you can if you call they’ll give you a bunch of options as to which one that you want to connect to. If you want direct access to the front desk where they will help you, schedule an appointment. You can go ahead and use 5304 ((949) 824-5304) instead of 5301. And you’ll speak with the front desk people in order to schedule an appointment and those appointments are, they’re going to help you schedule an appointment with either a nurse practitioner or primary care physician who is kind of your, your first contact with any medical professionals. And then they will go ahead and evaluate whether they can handle any of the needs that you have. If they believe that you need to be, you need to go seek a more specialized care, then they will connect you or refer you to, a specialist that is what, that is either, on site, so they also work at the Student Health Center or they could also refer you to, off campus specialists that you can set up another appointment with.
Melisa: How do I know that they you know connected me to a new person? How do I get those referrals? So the referrals is the document that says I advise this person connect with this type of, doctor. And that, is the form you need to go and see a specialist if they don’t have it at the Student Health Center. So how do I know I got that piece of paper and how do I find these providers?
Catherine: Yeah, so. They have a, they have a system called patient portal or Student Patient Portal that you can access and that is customized to your account. So that you, I’m sure a lot of you as an incoming student have already had to upload a lot of medical documents and immunization records and stuff like that onto this portal already. So the portal is set up so that you can either, you know, it’s not, it’s not just you submitting your documents, but they can also contact you through that portal. A secure messaging, system helps them kind of give you any kind of medical, and more private and confidential information to you, So I definitely recommend to kind of familiarizing yourself with all the, systems and all the tabs that they offer on the portal. And that is also really useful when things kind of, things like if you have to cancel something really last minute or cancel an appointment really last minute or reschedule it. You can also just use the secure messaging system in order to do that. There is a fee of $50 if you happen to just like not show up or forget, your appointment. So make sure that you are, putting things in your calendar. And if you need to go ahead and message them ahead of time so that you can avoid paying the fee. Yeah.
Melisa: Yeah, nobody wants to pay. Nobody wants to pay for things that they didn’t do. So, absolutely I, do agree.
Catherine: Yeah.
Melisa: So Catherine, then, can you tell us a little bit about what should we expect? When let’s say we call the, the front desk and I said I have a stomachache and I would like to see a doctor. What happens from that moment, up until like me seeing the doctor? Can you tell us about like the rules, etiquette and what to expect when you like make an appointment?
Catherine: Yeah, of course. So I believe they remind you when you make the phone call to set up an appointment, but, I believe they ask you to show up at least 15 min before, you, before your appointment time so make sure you put that into your calendar as well, if you’re trying to give setup a reminder. And I believe they’re still practicing masking. So they, if you don’t have one, it’s likely that when you go check in at the front desk, which is the first thing that you’re gonna do as soon as you walk in. They’re gonna hand you a mask and, it’s, it’s to protect both you and, others who are using the facilities as well as, the people who are, you know, the health care providers who are vital to making sure that the campus community stays healthy. So you’re gonna go ahead and check in. Don’t be scared if there’s a line, just wait. But if there’s no line, you can just go ahead and walk up. And you’re gonna need your student ID or any kind of any form of ID to, so that they can check that you are actually you. And once you’re all checked in, you’re gonna go ahead and wait, in the waiting area that is outside of the gated area. That is, for the health care providers. And someone, probably a nurse is going to step outside through that gate to call your name and invite you into where it’s kind of a gated healthcare area in the center. And the nurse is going to check few things. They’re probably gonna ask you for the date of birth so that they can confirm once again that you are you. And they’re going to do some basic checks, for your, blood pressure as well as your height and weight. And once those things are kind of checked and out of the way, they will have, they will get you into a room, where they, where you will be waiting for, whoever you’re seeing that day. So that, expect to wait for about 5 to 10 min, in that room. Things do move a little slower in, kinda in America in general. So even if you’re, waiting for 5 min, that doesn’t mean that someone forgot about you. The health care providers are just really over booked, in general and they’re really working between a lot of different patients at the same time. So just go ahead and wait patiently. You can stay on your phone, do whatever you need to, get yourself comfortable. And then, they will probably knock the door to let you know that the health care provider is ready and you can go ahead and say I’m ready for you to come in. And from there on, you will just go ahead and talk to the healthcare professional and see what they can, what they advise for your conditions. Something else that I wanted to really mention was that for certain services that are more, private and more sensitive, they do offer clinical chaperones. Which means in order for it’s, it’s more of a by standard who can stay in the room to make sure that both parties who are in the room including yourself and your healthcare provider are safe from any sort of mishaps that can happen. And they’re really there to just support you through any kinds of procedures and make sure that they’re both parties are protected from any kind of abuse. So, if that is something, if you are going through a sensitive exam and if you would like someone a third party to just be present so that you can stay more safe and, say from any kind of abuse, you can go ahead and ask for that.
Melisa: They will offer it too, and they will offer to any, any case where you might need to remove your shirt or your pants. Because that kind of reveals your, private body parts and then in that case, they will ask if you want a chaperone. If they don’t for any reason don’t ask you then you can request it as well, but this is standard. I’ve also, have experienced this for a very, very minor case where I thought like everything was fine and then they were like, do you need a chaperone? So just. Be aware that they will ask and this is just standard procedure.
Catherine: Yeah, yeah and also. Speaking of, I know this is a little tangential, but, there are certain things that medical professionals are required to do, including they are actually mandated reporters. So if you share any kind of confidential or private, information with them, about that can, that they believe they need to flag, the right in the appropriate, I guess appropriate departments.
Melisa: Departments
Catherine: Yeah. Then they are actually mandated to do so. So if you, I believe these kinds of information are readily available if you step into the room that the nurse guides you into. So, you know, feel free to look around and take in all the kind of information that are there for you so that you can prepare yourself as to like how much information you would like to share in the room with your healthcare provider. And there are just note that there are also resources on campus and as well as off campus that are not like mandated reporters and they’re confidential or private sources that you can go to. So that you can freely talk about things without, you know, but without making the decision of I want this information to be reported if they believe that it should be reported. (UCI CARE is a great resource to go to for support that is confidential).Yeah.
Melisa: Yeah. No, that’s a great point. Thank you so much. And also, The Student Health Center not only has nurses and PHP
Catherine: PCP.
Melisa:. PCP, yeah sorry. They also have a lab. So if you have any basic blood work that’s needs to be done, they can also tell you to go ahead and schedule like go ahead to the lab and get the lab work done. Or you if you need to you know fast before you have to like do any kind of blood work. They might ask you to come in the next day for that one you don’t necessarily have to make an appointment you just go to help center and say I have a labs that are requested by my doctor that I need to do. And they will just direct you to the lab. So that’s also another service that you should know. They don’t do everything and they might refer you to outside labs as well. But just be prepared that, might be something that you, might be requested to do.
Catherine: Yeah, yeah. And speaking of just kinda other services that they offer, they do have an onsite pharmacy. So that if you, end up having any kind of prescriptions, you can request it to go to the Student Health Center Pharmacy. Or you can also have them, just pick up at a different pharmacy that you would like. There are some off campus pharmacies like CVS, that you can request your prescriptions to be available at. Yeah, and I was gonna say one more thing about the pharmacy and everything. But I can’t remember, but I’m sure we’ll come back.
Melisa: I have a point about that. And that is in in the country that I come from, the doctor gives you your prescription and you go to any pharmacy. In the US, the doc, you have to tell them which pharmacy you’re gonna go to so they can send your prescription to that pharmacy and you can only pick up your medicine, from that pharmacy. So make sure that you know the hours of the pharmacy. Don’t give them the wrong address. And also make sure that you can access that in pharmacy when you need to. There have been cases where I gave the wrong address and couldn’t get my prescription or I gave the usual address that I go to but the pharmacy was closed at that hour and I couldn’t get my medicine. So just be aware that these things can happen. There is one CVS that’s 24 hours. It’s on Alton Road, which is a bit of a drive, I would say 10 min, Uber drive or like by your car. So just be aware there is a 24 hour one, but the one on campus, the Student Health Center and the one that’s really close, in Albertson’s and Target are not, 24 hours.
Catherine: Yeah, these are, yeah, important to note.
Melisa: Important to know, especially in moments when you really need it.
Catherine – Yeah, for sure, for sure.
Melisa: What about follow ups? What if my doctor says, okay, let me see you in 3 months. What do I do then?
Catherine: Yeah, so most of the time, they will, the healthcare provider will encourage you to just stop by the front desk on your way out to schedule a follow-up. And most of the time I believe the health care provider then puts it in the system that they are going to be seeing you. So then you can just go ahead and, make an appointment that way. If it’s kind of if it’s a situation where you’re waiting for certain results like lab results for for instance, they will probably, they can, you’ll be communicating with the healthcare provider via the secure messaging system. And they’ll encourage you to, you know, give them, give the front desk a call and schedule a time that you can come in again. So just make sure that you are communicating with your healthcare provider to make sure that if there are any follow ups that you can show up. Yeah.
Melisa: And put it in your calendar, of course. So if you, if you need to do lab again in 3, 3 months. Don’t forget it like some of us do. But don’t do that. So, okay, so. Let’s say I went to a doctor, the doctor kind of, you know, prescribed me something and said, okay, but you should also go with see, somebody else outside and like maybe let’s say a neurologist. How would, am I covered to go to a neurologist? What are my benefits and what are the coverages of our insurance program then.
Catherine: Yeah, so, not only our insurance, but, all insurance actually, they come since they come in the more, like an annual schedule. What you can do is you can check the benefits or a summary of benefits. They’re called a bunch of different languages, but you are looking for benefits or coverage. And like a summary of it and you’ll, a lot of times this, these insurance companies will have PDF booklets of that lists out all different kinds of coverages that they provide. So for under our GSHIP, we not only have medical and mental health care, but we also get dental benefits through, Delta Dental, which is a different, insurance company. And then, Vision is also included in our healthcare package. So then you can go ahead and look at all the different benefits and information on the website. Under, I believe it’s I believe there it’s all under UC ship benefits and information under insurance, on their website. And what you can do is you can check, although the language in these bookets are very difficult to decipher. You can check about what is covered and what is not covered. And if you end up having to, having to see a specialist and you say, let’s say you get a referral. And you’re trying to figure out whether you’re going to, how you’re going to get that referral and what you need to do with that referral. You can go ahead and give the, you know, help center a call and if you call the 5301 number ((949) 824-5301) they actually have an option for the insurance department. So you can always go call and get further information about what to do in situations like that from them and they will actually advise you kind of case by case whether what you need to do and what your copay is going to be, going to look like and we can explain kind of that language a little later. But yeah so I hope that all these kind of resources are helpful in you navigating your specific need.
Melisa: No, excellent. And maybe since, we have some experience with, you know, maybe dental and eye care, maybe we can talk about those in a little bit as well. But before we do, I just wanna ask like. There are these certain concepts. In like all of this language and, you know, mental, you know, and not mental, but physical care as well. And, it might be not me for, some people might not be familiar. I know I had to learn a lot when I came in. So can you tell us more about this concept called in network and out network providers? And what that means for our GShip.
Catherine: Yeah, so the American health care is, is structured so that, whoever, so most people get insurance through their employment, or school as we grad students do. And these insurances have, these, most of the physicians that work in this health care or most of the health care providers are associated with certain insurance companies so that they can there that’s what we call kind of network. So each insurance company as well as different branches of different services that they provide will collaborate with a group of specialists, health care providers that all are affiliated with them. So we called that kind of network. So you can imagine as GSHIP is a program that the Anthem Blue Cross PPO offers to UC schools. We have a bunch of different in-network healthcare providers in this California area. Who are considered in-network. And it’s not that you not ever go to specialists or health care providers that are out-of-network. It’s more that certain insurance is our insurance is willing, to willing to pay for certain amounts of services, by our in-network providers versus less amount with our out-of-network providers. So something you really want to make sure to check is that difference and a lot of times., if your specialist or your PCP or primary care provider decides that there is a medical emergency and that you need to see someone but if let’s say that you can’t find a specialist who is available within a timely, with in a timely manner. Then there insurances do make exceptions for those cases so that you can get the urgent medical care that you need. So don’t assume that out-of-network means, out-of-pocket. I doesn’t mean out-of-pocket which means you’re going to pay for the entire thing out of your own money. Just make sure that you are, that you familiarize yourself with the kinds of coverage that you have, which you can do by reading those booklets that we mentioned. (note: you will still need a referral to see an out-of-network provider. If you don’t have a referral, you will be paying out of pocket for those services. Always, always, always, get a referral before seeing someone that isn’t your PCP).
Melisa: Yeah, exactly. And what about this other concept called since we’re talking about in our work and out network, which is also related to this concept called copay. Can you tell us what copay is and how it works and what we should know when we go into like any kind of, you know, doctor appointments.
Catherine: Yeah, yeah. So if you, it’s okay for you to not understand all the languages on the booklet, but if there is one thing that you have to understand, it is definitely copay as I mentioned earlier copay is something that, you as a client of this insurance program or insurance coverage, have to pay. So what you’ll see in a lot of cases is, you’ll see that there, amounts that the insurance is willing to cover. And then there’s a charge that for you yourself, that you would have to pay either, on the day of that your service in case for any, off-campus, service providers, or, if you go to, the Student Health Center and they do on site care, you’ll see those copays being billed onto your Zot Account that you will have to pay, through your Zot Account later on. (Note: make sure to pay these before registration periods. You will have a financial hold if they are past due and that can result in not being able to register for courses) So just be aware that these copays because the the GSHIP coverage is I consider it pretty good. Those copays, will range anywhere from kind of $5 for I believe like lab, any kind of blood work that you have to do or somewhere between 5 to $10 or even $15 for seeing a specialist or a primary care provider. So there is just kind of, they have predetermined amounts of money that you have to pay for making that visit for of any kind. Something to know and something that I really want to promote is that, GSHIP provides $0 copay for any kind of counseling or therapy services on and off campus. So it is something that we, grad students, at least me, I really want to encourage, any grad student who’s going through, this, any kind of grad programs, they can be really hectic and they can be stressful. I really wanna encourage them to look into these kinds of, mental health care services, because you practically never have to pay for any of it and it’s already paid for by as a part of your tuition. Yeah.
Melisa: Yeah, and then, and I think that’s a great point. And at some point we will have a podcast episode talking directly with the counseling center, so you’ll get to see what kind of services they provide. But just to give you a sense, you, once you like arrange an in network provider, through again, the Student Health Center has its own like the, our own, university has a system where you can find a mental health, professional through an online, you know, search and you can see their profiles. You can see their pictures. You can see if you know they are providing services for your specific needs. And you can just connect with them and set up a meeting and as you said, like once you have, once you start going there, you don’t have to pay. I think it’s 5 or $10 if you go outside of campus for mental health. But other than that, it’s, pretty nice. You should definitely take advantage of it. And yeah, so I think this, this is excellent, Catherine, but I also wanted to add one more thing. Maybe we can talk a little bit about, you know, when you go to the eye doctor, what happens, how you arrange that because that’s always going to be outside of the Student Health Center and maybe we could talk a little bit about the dental, services as well.
Catherine: Yeah, for sure. I have not, I have never really gone to the Student Health Center for the dental care part, but I know that it is available. There are also a bunch of different, dental, care services around Irvine that is in network within Delta Dental. You just have to make sure to call ahead of time and ask, do you guys take Dent Delta. The, and most of these, near campus services already have patients from our campuses services. So it’s really easy to just kind of be like, hey, I’m a grad student here and I have the school insurance. It is anthem, well, for dental, it’d be Delta Dental and they’ll be happy to set up an appointment with you. But that is also available on campus. For the vision care, there is a, eye institute on campus, which is called, I think, Gavin Herbert Eye Institute, or, I can’t remember the exact name, but there is an institute on campus which has an optical shop for you to, order any kind of, if you need glasses, frames or contacts, stuff like that. You can, they will provide any kind of like general exams and you know, getting the prescriptions and stuff. They have those kinds of exams as well as an optical shop where you can take that prescription and get your product you know get the products that you need. And I believe that there are so that eye institute is on campus and it’s a walkable distance. I’m not exactly sure if there are other like optical shops or vision care services around here but I’m sure
Melisa I go to the one at UTC. Oh, sorry, Catherine. Yes, I go to the one at UTC. It’s very nice. It’s also walkable distance. The eye institute is farther for me from where I live. So I prefer the one at UTC.
Catherine: Yeah. Yeah.
Melisa: So for the eye care also just as a note, the eye exam itself is covered but when you want to get prescription it’s a little bit different. We only have a discount for one type of eye prescription. So even though they do your eye exam. Getting getting an eye exam for glasses is different from getting an eye exam for contact lenses and I was shocked by that because it’s basically the same thing to me but they said no it’s not. So if you get, if you want to get an examination that covers both, then you will have to pay for one, one of those. But it’s something around 50 or $60. As of 2023, I think.
Catherine: Okay. Okay.
Melisa: And then if you want to get prescription like written prescription for them, and not just written prescription, but if you want to get lenses for your glasses or contacts you have to choose because our insurance only covers $100 of only one. And then the next one you have to pay out of pocket. That’s right, right? (note: that is right. I will see what is cheaper for me and use places like Costco to get the other if both are needed.)
Catherine: Yeah, yeah, I believe so. I, all these details are definitely in those like coverage bookets and stuff, but. Also, know that these health care providers are, that are near us are very familiar with the kinds of like, services that they provide. Like I only found out that the general exam, as well as, they have, a, more of a, like, an allowance for you to kind of use, for your frames, lenses and contacts and stuff like that. I only found out about those kind of, coverage only after going and like seeing, the eye institute and the optical shop. So don’t be scared to, you know, I think, American healthcare, can, be very notorious for, being really, not accessible and not available. But just know that if you’re a student here and if you have the GSHIP, our coverage has a variety of different kinds of like functions to make sure that you can stay well and stay healthy. So make sure that you make those appointments and go see what coverage, is available. Like I was planning on going to like going shopping for new frames because I know that, annually I get like a $120 to cover my frames. And if I don’t use it, it just, you know, it’s another year of like wasting a $120 you can you know it’s not wasting but
Melisa: No, it’s wasting. It’s your money. you should spend.
Catherine: Yeah, and I also think I also, since we were talking about dental care, any kinds of, general checkups, I believe like twice a year we can, it is included in our coverage to go get, a check, like a checkup and as well as like cleaning services. So make sure that you take advantage of those things. And the same applies for, Student Health Center if you need any kind of physical exams, or just general checkup, you’re always welcome to just go call and make an appointment and they will do a pretty thorough check of you know what could be going on even if you don’t have any symptoms.
Melisa: Yeah, and they also have, oh, I can’t remember the name, is it well women or healthy women?
Catherine: Yeah, yeah
Melisa: Something specific for women that you can go every year and get a checkup, which is something free and you should definitely do because they do all of the tests for you for free.
Catherine: Yeah.
Melisa: The dental one definitely cleaning I mean you get free cleaning twice a year and they do an excellent job and if you have something more serious for the dental, situation if you have something more serious and if it’s if you’re going over your budget for your dental procedures What they do, those that are familiar with the GSHIP. They will break up your procedures. I had to have the big like molars the molar teeth removed. I had two but if I removed both of them at the same time, I would have to pay a lot out of pocket. So they said, let’s just wait. For your insurance to renew next year and let’s remove just one now and then we’ll do the next one next year. So they will also support you because they know we’re graduate students and we don’t have a lot of budget but they’re also there to support you so as Catherine said it’s not that scary please feel free to you know seek out this kind of medical support and if you’re not sure about something you should always reach out to your mentors and us at GIC.
Catherine: Yeah, yeah.
Melisa: Excellent. Well, thank you so much, Catherine. It was so nice talking to you and this was extremely informative because it’s one of the questions that I get a lot. Insurance, how do I get like everything done? And also a lot of questions about vaccinations. So if you have any questions moving forward, just reach out to us. You can reach out to Catherine and myself and of course the greater GIC community and your mentors as well. So thank you so much, Catherine, for being with us.
Catherine: Awesome. Yeah, thank you for having me. It was great to chat about these things. Yeah.
Melisa: Awesome. Thank you. Okay well we will see you at the next episode everyone. Take care in the meantime.