What is covered by the plan?
Some plans are more comprehensive than others. Your personal health needs should be carefully considered when deciding upon a plan. Check to see how hospital in-patient and out-patient services, doctor’s visits, physical therapy, mental health services, and prescription medications are covered, and whether or not referrals are required. 2) What is not covered by the plan? Most plans exclude certain conditions or behaviors from coverage, such as cosmetic surgery, accidents due to motorcycle riding or sky diving, etc. Some plans even refuse coverage for cancer. Read the exclusion list carefully. 3) What is the maximum benefit (total amount of money) the plan will pay? Is it per illness or injury, or is it an annual or lifetime aggregate amount? Plans have vastly different maximum benefits, ranging from $10,000 to $250,000 or more. While $10,000 may seem adequate for a healthy person, one serious accident or illness can wipe it out quickly, leaving the student personally responsible for t
