Is there a per day cap on in-hospital care, doctors fees, and ancillary costs?
Some plans have per diem caps on fees. Students are responsible for paying the difference between the per diem and the actual charge. The average daily hospital charge for JHU students who were hospitalized in 1993-94 was $1,277; the per diem cap for a plan in which many graduate students enroll was $900 for the same time period. The difference was borne by the students. 11) Does the plan require authorization for emergency care? Most plans will not cover emergency room treatment for non-emergency conditions as defined by the insurance company. Generally, emergency treatment must be authorized by the insurance company. Health Insurance Comparisons Traditional Indemnity Health Insurance: Blue Cross/Blue Shield and other insurance companies usually have an annual deductible which must be met before insurance begins to cover eligible expenses and the co-insurance requirements. Most traditional plans exclude preventive care such as immunizations, pap smears, and contraceptives, unless Stat
