51.   Plans should cover emergency-care expenses, without prior authorization, if a prudent person could reasonably believe that the ailment required immediate attention.

52.   Should plans cover growth hormones only for children with well-defined genetic miscues or extend treatment to children who are genetically normal but happen to be extremely short?

53.   She became well-versed in formularies, lists of prescription drugs the plans cover.

54.   Should health plans cover potentially expensive drugs that might come along to combat memory loss associated with aging?

55.   Some insurance plans cover wigs, but some do not.

56.   Some student insurance plans cover the cost of the shot.

57.   Some insurance plans cover the devices, but the pumps are expensive.

58.   Some patients may be put off by the price of these tests, especially colonoscopy screening, which is not covered by most health insurance plans.

59.   Some plans cover extras, like prescription drugs.

60.   That plan covers services beyond the university health center, such as X-rays, emergency-room care and visits to specialists.