16 Tuesday, December 7, 1993 UNIVERSITY DAILY KANSA N HEALTH: Learning the basics reform proposal, which includes universal access, was made law, students would have to assume more responsibility for their health. Newly employed graduates who are obese, engage in high-risk activities such as mountain climbing, use tobacco products or consume alcohol on a regular basis will be considered a higher risk to insure and may have to pay more, he said. "It's a decision that you make to reduce your health risk," Draper said. "It's responsibility, that's the bottom line." "We're covered under our parent's policies until we graduate," Draper said. "Then we're forced to make our most important decision about the most important part of our lives, health care." Many students graduating and entering the work force have been under their parents' health insurance policies and may be unfamiliar with the basics of most plans. Jim Boyle, associate director for student health services at Watkins Memorial Health Center, and Jim Strobl, director of students health services at Watkins, said that when weighing job offers or purchasing health insurance, students should: By Liz Klinger Kansan staff writer 1) Assess their health needs and their wants or needs in an insurance plan; Insurance policies should answer health care needs 2) Consider pre-existing medical conditions such as diabetes. Some businesses will not cover the expenses of pre-existing medical conditions. Others require waiting periods before covering new employees; 3) Read the fine print in potential insurance plans. Many people find out that they are not covered after they receive medical attention; 4) Ask questions or ask to be referred to someone in the insurance company who can address concerns; (5) Get the most health care coverage for their dollars by hiring the basics of health care plans; Deductible - the amount of money insured people pay out of their pockets for medical expenses Co-Payment - the percentage of money the insured and the insurer pay for medical treatment after the deductible Limit - the maximum amount of money the insured spend for medical treatments before insurance covers 100 percent Coverage - the maximum amount of money insurance companies pay for medical treatments. If you purchased a 80/20 co-payment plan that had a yearly deductible of $200, a $3,200 limit and a coverage of $250,000, it would mean: Let's say that during the first few months under this plan, you get a chest X-ray for a sports injury, go to a physician for a cold and get several lab tests and get medical attention for a lacerated finger. The cost for those three medical visits is $250. You would be required to pay the $200, which is your deductible. Under the 80/20 co-payment plan, you would pay 20 percent of the remaining $50, or $10, and the insurer would pay 80 percent, or $40. The 80/20 co-payment would continue until you have paid the limit of $3,200 for medical treatment, which includes the $200 deductible. Reaching the $3,200 limit would mean that you received medical treatment that cost $15,200,$12,000 of which is paid by your insurer. If you require medical treatment that costs more than $15,000, but no more than $250,000, 100 percent of that additional cost would be covered by your insurer. tropical rain and evergreen forests represent 50% of the earth's remaining forest land. In1989 we were clearing 60 acres every minute. At this rate these forests will all be gone in 50 years. THE UNIVERSITY DAILY KANSAN FROM THE DIRECTOR OF THE PLAYER SHORT CUTS (R) Tue, 10:45 8:20 Wknd TODAY(4:30),8:30/FINAL WEEK! Dickinson 6 441 8600 2339 South Iowa St. 3 Primary Show (1) *Immerse Dolls* *Sense Clean Image* Animated Stages My Life *P*13 *4:20* , 7:20, 9:55 Nightmare Before Christmas *P*13 *4:35* , 7:10, 9:35 Nutcracker *P*13 *4:10* , 7:15, 9:30 Rescue Me *P*13 *4:20* , 7:10, 9:40 We're Back *P*13 *3:55* , 5:30, 7:00, 9:30 Perfect World *P*13 *4:05* , 7:00, 9:45 Crown Cinema The 3 Musketeers PG 7.15; 8.90 The Joy Luck Club R 6.15; 8.90 Josh & Sam PG-13 6.15; 8.90 Carlo's Way R 6.35; 8.90 Mrs. Doubledire PG 7.15; 8.90 609 Massachusetts Lawrence Phone: 843-8593 Daily Showing Times location! IF YOU CHOOSE "B" Don't bother All student positions will be filled by January 1st SO CALL NOW! IF YOU CHOOSE 'A' **Call** us NOW to find out how you can earn $8,000 *$12,000* next Spring/Summer. IN THE "REAL WORLD" YOU MUST CHOOSE! 'REAL' WORK 'REAL' EXPERIENCE 'REAL' MONEY The original student housepainting company A. WORK HARD, MAKE BIG $$$$ B. DONT WORK HARD, DONT MAKE BIG $$$$ St. Paul, Kansas City, St Louis (612) 935-8250 (800) 769-PAINT Handsome 40 year old SWM with vasectomy scops open-minded female fun. Complete dissection. Mammary, pelvic, and vaginal excision. CHIAGCG GRL - we were on SW Airlines 3:25 pm back to KC University after Thanksgiving. You were in row 9 with two other girls. You sat by the win- table in a black basseball I want to meet you. 42838 VSWM 21 sensitive yet macho, gule且 honest, handsome且 not stuck-up. Looking for inteligence, caring female (any race). Be your lover if you want, your friend if you need. #4214. Very attractive, intelligent and charming. 27 year old grad. student. $'11', 168. Seeking the type of female who keeps her eyes open on roller coasters. 42316 To check out these ads call 1-900-285-4560 You will be charged $1.95 per minute (must be 18 yrs old) WOMEN SEEKING MEN 2 attractive SWF" seeking 2 SWF's 22+. (Gad, students preferred.) Must have a good personal relationship, conversations, and appreciate our bizarre sense of humor. Hint: we overembrace and Drakka #41796 Spontaneous, attractive, rambunctious, SWF, 18, seeking SM with same characteristics. A romantic dance scene of intense smile and great sense of humor. If watching summer after night of dancing is your thing, call #2180. MEN SEEKING MEN Clean cut, well defined, closedet GWM stud lookin- t for arrose. BX2223. Gay white male, tall, dark, handsome, brown hair, green eyes, jean and lace, blond hair, black shoes, gay black male, gay black male, gay Hispanic male, for sharing and good times, possible relationship, Individualism, discretion appreciat- GBM: 6.1 ft, 200 lb. In life: musit and quiet relationship. If in love, or on a pass- ing relationship, it intervened respond to their request. GWM, 19,11" blonde, blue-green eyes, good-looking man, with good looks and muscular masculine muscles with good looks and good body. Signed by GWM. CWK 27, 6, 16, fun, sincere, attractive, graduate student, relationship oriented. Enjoys working out, cinema, concerts, theater, travel, dancing, music. Seeks fit, versatile, mature, romantic, down to earth, GM 21-35 with similar qualities for friendship, dating, possible relationship, race unimportant. Not in tricky drugs, fruits, or salads. References only. Discretion assured/expected 022931 Sincere handsome & ambitious GBM with nice body seeks sharp gay male for mutual appreciation, relationship. is anyone else masculine yet happily secure with their sexuality? Sure there is 1 nice guy out there seeking the same, discreet call back. Not an ad for sex. Box 22911 FRIENDS SEEKING FRIENDS Looking for someone who enjoys the great outdoor scenery and drives to get away. #6854 sounds or go for a car ride to get away. #6854 Locking for participation for a workout, especially during Christmas break. I am a beginner. Book28157 Common abbreviations M Male A Asian F Female J Jewish D Divorced C Christian S Single G Christian W White G Gay B Black L Lesbian H Hispanic N/S Non-Smoker PLACE AN AD FREE! Call 864-4358 HERE'S HOW IT WORKS To place an ad 2. You'll place an ad in the Jaytak Network section of the Kansan (up to 6 lines) and call a free 800-number to record a voice message for people who respond to your ad. Your voice message will remain in the custom for 21 days. 1. Call or come into the Kansan at 119 Stauffer-Flint Hall, 864-4358. 3. After your ad runs in the Mon, Tues, & Thurs, editions of the *Kansan*, you call a free 800-number (every 3rd day from the day that you initially place your voice message) to listen to the messages people leave for you. Any other day, you may call the 900-number to retrieve your messages at a post of $1.95 per minute. The average time is 3 mins in length. 4. You choose the people you want to meet and call them to set up a time and place. To check out an ad 1. Choose the ads you want to respond to and note the voice mail number in them. 2. Call 1-900-285-4560 (you need an off-campus, private residence, touch-tone phone), enter the mailbox number from the ad, and listen to the message. Or browse through all the voice messages in a category. You can interrupt to skip over messages that don't interest you. Voice prompts will lead you along the way. You'll be charged $1.95 per minute. 3. If you like what you hear, leave a message of your own. Include a phone number where you can be reached.