Insurance continued (mm P*igt*
14
don't Wiint to take on such a
high risk population
Moreover. ( lark ul the I in
varsity's program is unique In
i ause it is run in students and
it is .1 voluntary program I he
problem with a voluntarv pro
gram is the people who will
most likely need insurance an
purchasing it. he said "That
doesn't make good business
sense lor Prudential or any oth
er insurant e company
A SI '()'s lot al insurant e i on
sultant. liriau tain or,in of ('ra
mer & ( dies insurance Inc. said
the rise in the t niversitv s rates
are part of a trend in the overall
insurant e industry
“Kvervone is experiencing
big increases." (inrcorat, said
" I I,erf 's lot of i osts of people
who can't p.iv their bills
which .ire shifting to people
who can pay
"There's also .1 big ini rease
in utilization of benefits." he
added "People pist seem to be
using their health insurant e
more
Local insurance broker (larry
l.idav agreed that most insur
ance rates are increasing, tint
"what is unusual ,s they (Pru
dential) raised it over fit) per
cent.
"The fact that they've lost
money, therefore they need to
raise rates, that's accurate."
l.idav said "Hut they raised
the rates just too much
More lienefils. limrr rates
Inday wlm has been m the
insurance business tur more
than 20 years said the t \ pit .i!
insurant e plan be otters stu
denis has better tienetits at low
er rates With these plans, stu
dents tan t house one of three
deductibles ranging from $100
to $',00. The plan pays HO per
tent of the t hums up to $1 ooo
,md loo pen cut ol t hums alter
$4,000 up to $1 million
Although the student plan
has belter pregnant \ and men
tal health tare provisions, the
alternative plans have no limit
to prest 11pt it>n tiit'tlit ation
whit h is limited to $100 h\ the
A.SI () program. Iuda\ s.ml
In addition. these plans are
offered at hettci premiums
1.111 a \ s.ml I le said an individ
rial student plan lor one year
ranges from $20', to $ t >0 llus
band and wife polit ies are usu
ally between $000 anti $720
and a polit \ for three people
will i ost Irom $0ri0 to $M">7
However, Newman warned
students to be t .ireful about
these alternative plans bet a use
they are often more restrictive
plans
"Our rule is not to go out
and look lor the t heapesl poll
i \ and underprice them."
Newman said "We have to
bast.’ our rates on out experi
once with this group, and
we've already lost thousands of
Turn to Insurant e. Page lt>
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PEPSI
|Y| 1^1^00 Continued from PdRe 1
Scott VYyikoff. law students Mike Mc.Yey and
Marianne llvland and international student
Kh hard ()ng
SHIt' hires an insurance rnnnlinatnr tu
oversee an insurance stall contracted In the
Student Projects Inc Hoard of Direc tors I he
current insurance coordinator. < alhv (iurran,
was hired in mid September
In addition international student adviser
(hum Stark also serves on SI IK in a non vot
mg c apac.iK
St.uk also functions as a liaison for the
I adversity administration, under a written
agreement between the I adversity and the
\Sl ( ) said Assistant Dean ot students (beg,:
l.nbisscr I he administration representative is
appointed bv (ierry Moselev vice provost tor
academic support, and has input on the forma
11■ >11 ol pollc V l.ohisser said
rhe current insuiancc carrier lor \St ().
1 lie Prudential Insuranc e (ji of \menc a is
not the only one that underwriles (student
health insuranc e) (Mark said " I here are
eight c ompniues hut Prudential is the only
one to bring with it the finani ial sis urity and
(it) truly accepts us lor what we are a volun
teiT program, ’ ('lark said
Ihe A meric an ( ad lege of Health Assoc i.i
lion (At 1IA) through Prudential offered stabil
ity and a chance to at least not have the proh
If ms «r did' with the previous tarrier, l.une
Stilt, U \ t knit saitl
\( 11A e- a mm profit national organi/a
lion ot college and university health services
iindi'rvvritlfn and administered h\ Prudential,
ait noting to the \SI'() Student Health Insut
ance I lamlhook
The ASIA) lias held a position on tilt1 se\
on membet AfdIA committee simr tttfiii said
t lark
l.one Slat was bought out in .1 nirriti'i in
I'Wti, saitl (dark Motfovi't tin- tirin did not
have tin- fiiiant tal restitutes to hat k student
st>r\ n e and they had lousy sen it r
On thf otht*r hand, thf ASIA) has had
vers few t la mis problems with I’m den tin I '11111
Ihtrv’re slit king with ns (dark said, tlespite
losing money on the AtdIA program tor the
p.lst two \ fill s
Met ause the ASI A) health insurant e pro
giam is ,1 voluntary plan run In students it
has e\perie 111 ed rate 11 it re.ise anil insurant e
1 .U riel dibit allies ( dal k saitl
SI IK is seeking information tor solutions
to the insurance dilanuna .it a lorum t )t I Id at
III p m in tile I Ml' I n Room Present at the
forum will he insurant e 1 onsultant Steve
Met kley w ith Uverly ,s I 'miipaiii 111 Demei
and insurant e t onsultant Hrum (!ort urraii with
( r.unei and titles insurant e Im in Kugene
TMt III Mil OVfM 4 0(1
HI staurants AROUND
Ml HI YOU CAN GET TO
m EVERYONE ON Till HU.
FR( I
\
1
i
VM ID U Of < i
MUDI Nl i II iS A Ht; S
PASS f A R { fOH T M f
' f IlM N S
SfuOl Nl I N i, IIH N T A 1
M E S PH 0vIOE 0 IN
COOPf NATION AKH
ASSOCIATE D STUDENTS
UNIVERSITY ) f ('HI G t) N
LTD
LanmlYanait District
Personally. I prefer licorice biis
and anchovies Bui, hey'
To each his own