Received: from B.GP.CS.CMU.EDU by K.GP.CS.CMU.EDU; 25 Mar 88 01:18:06 EST
Date: Fri, 25 Mar 88 01:11:51 EST
From: David.Kosbie@B.GP.CS.CMU.EDU
To: Thomas.Mathies@G.GP.CS.CMU.EDU, kenneth.mcmillan@A.GP.CS.CMU.EDU,
    mnr@F.GP.CS.CMU.EDU, rcb@FAS.RI.CMU.EDU
Subject: Health Insurace Mistake
Cc: bovik@K.GP.CS.CMU.EDU

> Your post concerning health insurance was misleading.  I was shocked to 
> find out that I had a $10,000 cap on health ins benefits.  I checked with
> the student health office, and this is not true.  The $10,000 limit applies
> only to major medical coverage.  Hospitalization, surgery, and some other
> fees do not come under the category of major medical and so do not have
> the $10,000 limit.

I called two additional sources, and got two different answers to this.
Yes, you certainly are entitled to *more* than $10,000 subject to a
thousand restrictions.  My general question before was "if I was run
over by a Mack truck, and it cost X dollars, how much would your
policy pay of it?"  One kind lady actually completely contradicted
herself this time.  In any case, I wanted to choose 1 situation -- the
one I am most concerned about (I just *know* I'll see the underside
of a Mack truck one day -- I cross roads the SoCal way:  without
looking).  I figured that gave me a uniform, easy-to-calculate, and
hopefully consistent guage of insurance policies.

Now nobody seems to know when the $10k ceiling is invoked (everyone has
their own opinion, and none have been corroborated!), and the policy
statement is quite opaque here (Gee, wonder why?).

The other policies have no such limit to invoke, at *any* time, under
*any* circumstances.  Just the standard $1MIL.

In any case, I don't like to leave it this way, but I will (sorry,
but I am leaving for Florida now...):

My post on insurance info *may* be misleading as to the quality of
CMU health insurance.  I don't know now, and thus far nobody who
should know actually does know.  I (and many others, I gather) would be
pleased if somebody could take the initiative and brave the
tribulations of such a task and clarify this once and for all.

Sorry if I mislead anyone; I did not mean to.

--dave