1. Explain the policy provisions as they relate to deductibles, co-insurance, and internal limits.

2. How much should Zach recover from the insurance company? How much must he pay out of his own pocket?

3. Would any other policies have offered Zach additional protection? What about his inability to work while recovering from his injury?

4. Based on the information presented, how would you assess Zach’s health care insurance coverage? Explain.