5. Surprise! The babies arrived five weeks early, and Jamie Lee and Ross are the proud parents of triplets: two boys and a girl! Since the babies were preterm, they will need to spend a few extra days in the hospital for observation. How will Ross and Jamie Lee make provisions for adding the babies to their health insurance policy now that they have arrived?Jamie Lee and Ross, happy newlyweds with a new home and twins on the way, are anxiously awaiting their new bundles of joy. Ross was understandably nervous as he wondered if everything would go smoothly with Jamie’s pregnancy. Fortunately, they coordinated benefits from the medical insurance group plan offered by Ross’s employment at the graphics agency and Jamie Lee’s own plan, although Ross’s plan would be their primary. His employer offers a health care savings plan, but Ross had not previously realized the benefit of participating.

Jamie Lee has had maternity care that she has been comfortable with so far, but Ross needed to review their health insurance policies with the potential of extensive medical expenses just on the horizon. He wondered if his salary would be enough to pay for the expenses that were not covered for out-ofnetwork doctors.

Current Medical Insurance Plan Provisions Jamie Lee and Ross have a preferred provider organization (PPO) plan.

In-Network Medical Care:

Jamie Lee and Ross currently have a $15 copayment on regular preventive care doctor visits and a $30 copayment on specialists that are preferred providers or participating members from the PPO plan’s list.