Word: premium
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...cavernous dog-and-cat-food aisle. They had stayed home, buying kibble by the normal-size bag rather than in great, budget-priced sacks. I worked out the math and concluded that they were right. To save six bucks on puppy chow, I had burned more than $16 in premium fuel...
...captured a $5 billion-a-year market on the celebrated promise that they were safer than older, cheaper analgesics like Tylenol or Advil. In this case, as the nation learned when Vioxx and Bextra were withdrawn and Celebrex got slapped with a black-box warning, we were paying a premium to trade a sizable risk of tummy trouble for a smaller but still troubling risk of heart attacks and strokes...
...proven so challenging for graduate students at Harvard to access affordable dental care? Comprehensive dental insurance is expensive. Although you may know people who have “cheap” dental insurance premiums, up to 70 percent of their dental premium is likely paid directly by their employer as an employee benefit. However, nearly 40 percent of Americans are not offered dental coverage by their employer; therefore, a large percentage of Harvard undergraduates and their parents lack dental insurance. To compound problems for graduate students, most individuals over the age of 25 are no longer eligible for coverage under...
Until 2003, HUHS sponsored an optional dental plan for students. However, financed solely by premiums collected from students ($130 per year) and with a relatively generous benefit cap of $1,500, the HUHS student dental plan was consistently in the red. In an effort to limit losses, HUHS restructured the plan in 2004, increasing the premium to $225 and dramatically decreasing coverage to $400. Student enrollment plummeted from over 2,000 to approximately 350. The remaining students were those who expected to need expensive treatment in the near future; their costs could no longer be defrayed by the premiums...
...registration forms in the absence of any compensation. However, HUHS’ efforts are only a first step. It is time for Harvard to re-examine the importance of dental health for its student community and consider requiring departments to cover the cost of the dental care plan premium as an essential component of students’ financial aid package. Harvard University graduate students should enter the job market with a set of brilliant, healthy pearly whites to match the brilliance of their research, rather than with dental debt or decay...