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					Useful chart for insurance shopping                                                                                                                                   2011-2012

                                                                                                                                       MSU min.
     COVERAGES                                                                                                                       requirements   Plan A   Plan B
     LIFETIME MAXIMUM                                      Some plans have a misleading overall $1,000,000 maximum. It         $250,000
                                                           is misleading if there is a per condition maximum. It is usually
     TOTAL BENEFIT PER CONDITION                           $50,000 to $250,000. That will be your actual benefit for any
                                                           one condition. Use that to compare the benefit.
     BENEFITS (covered at what %)

     OUTPATIENT LIMIT                                      Some plans have internal limits on these benefits - $750 for
                                                           outpatient, $1, 000 for hospitalization or $5,000 for surgery.
     HOSPITALIZATION LIMITS                                These are misleading and inadequate – it makes it almost
                                                           impossible to reach the overall plan maximum and you end up
     SURGERY LIMITS

     DEDUCTIBLE                                                                                                                $500 or less

     DEDUCTIBLE OR COPAY WITH HEALTH SERVICE REFERRAL

     DEDUCTIBLE OR COPAY WITHOUT HEALTH SERVICE REFERRAL

     INPATIENT MEDICAL SERVICES (Including lab tests and X-ray)                                                                Yes

     OUTPATIENT MEDICAL SERVICES (Including lab tests and X-ray)                                                               Yes

     INPATIENT MENTAL HEALTH                                                                                                   Yes

     OUTPATIENT MENTAL HEALTH                                                                                                  Yes

     PRESCRIPTIONS                            If you have a current medical condition, or have a previous medical condition,   Yes
                                              be sure to read this language carefully to make sure you purchase an
     PRE EX CONDITION LIMITATION              appropriate plan

     MATERNITY

                                     READ EXCLUSIONS CAREFULLY. Look for exclusions re: sports, hazardous
     EXCLUSIONS / LIMITATIONS
                                     activities (may include skiing), motor vehicles, etc. that you may wish to have covered
     WORLDWIDE COVERAGE                                                                                                        Yes

     HOME COUNTRY COVERAGE

     REPATRIATION                                                                                                              $7,500

     MEDICAL EVACUATION                                                                                                        $10,000

     HIV/ AIDS/ ARC COVERAGE (Additional Requirements for Human, Osteopathic, Veterinary Medicine Students)                    Yes

     RATES
                                            These or other points may be relevant to you – be sure to understand the plan
                                            that you select.
     Other Potential Considerations
     AD&D (Accidental Death and Dismemberment)
     FAMILY AIRFARE (in case of an emergency)
     OUTPATIENT BACK/SPINE
     PHYSIOTHERAPY
     DENTAL INJURY
     AMBULANCE

				
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