1. What are Amy's total annual medical expenses (including the provider visits and tests)?

2. What are Amy's total annual prescription expenses?

3. What is the annual premium for the UMP Classic Plan?

4. After Amy pays her medical deductible for the UMP Classic Plan, how much of her medical costs are left?

5. Out of the remaining medical costs after Amy pays her medical deductible for the UMP Classic plan, how much money does Amy have to pay out-of-pocket for her medical care (co-insurance)?

6. After Amy pays her prescription deductible for the UMP Classic Plan, how much of her prescription costs are left?

7. Out of the remaining prescription costs after Amy pays her prescription deductible for the UMP Classic plan, how much money does Amy have to pay out of pocket for her prescriptions (co-insurance)?

8. How much does Amy have to pay out-of-pocket IN TOTAL annually if she chooses the UMP Classic plan?

9. What is the annual premium for the UMP CDHP plan?

10. After Amy pays her deductible for the UMP CDHP plan, how much of her healthcare expenses are left?

11. Out of the remaining healthcare costs after Amy pays her deductible for the UMP CDHP plan, how much money does Amy have to pay out-of-pocket for her healthcare (co-insurance)?

12. How much does Amy have to pay out-of-pocket IN TOTAL annually if she chooses the UMP CDHP plan?

13.

Does Amy reach the out-of-pocket limit for either plan? *note: if she reaches the out-of-pocket limit, then her total costs cannot exceed the "out-of-pocket" limits shown on the page describing each plan

Group of answer choices

No. Not for either plan.

Yes for the UMP Classic Plan only.

Yes for the UMP CDHP only.

Yes for both plans.

14. Which plan should Amy choose to spend the least amount of money over the course of the year on her healthcare overall if these are her only expenses?

Group of answer choices

UMP CDHP Plan

UMP Classic Plan

Started: Apr 27 at 4:21pm Quiz Instructions In Part 1 of the Ch4 Activity you will choose the insurance plan that is best suited for Amy, a hypothetical new employee of Wenatchee Valley College. This is your opportunity to learn about how health insurance works and practice choosing the best option. Amy just got hired by WVC full-time. WVC offers its full-time employees two options for health insurance: the UMP Classic plan and the UMP CDHP plan. Information About the Two Plans: In addition, the following things are true: - If an employee chooses the UMP Classic plan, the employee must pay a premium of $104 per month for themselves. - If an employee chooses the UMP CDHP plan, the employee must pay a premium of $25 per month for themselves. - If an employee chooses the UMP CDHP plan, WVC deposits $700 annually into a Health Savings Account (like a bank account) that the employee can use to pay for provider visits (doctors, therapists, etc) or prescriptions. Information About Amy's Healthcare Needs: Amy goes to see a counselor twice per month. The counselor charges $200 per visit. She also goes to see the doctor every quarter (4 times per year) to get checked for her thyroid condition. The doctor charges $150 per visit. In addition to the doctor's visit, she must get a blood test each quarter which costs $75. Her thyroid medicine costs $15 per month. Amy also has asthma which causes her to have to buy inhalers quarterly that cost $200 each. Luckily, her insurance must cover all pre-existing conditions which means that it covers everything listed above. And, all of her providers are "in-the-network." Use the information about both plans AND Amy's healthcare needs to determine which insurance plan Amy should choose. Reading the textbook from page 198200 and watching the videos on p. 199 and 200 in the eText on MyLab \& Mastering will be EXTREMELY helpful before you start - it will teach you all the vocabulary you need to understand the plans attached and how the charges work. UMP Classi uses our largest network of provicers wit UMP Classc, you get covered preverene care ot no cost to you when yeu see a praferred providet. UMP Classic aho eavers the full eost at certain programs ta qut smoking or manage dacetes. Plan foatures Uses largest previder netwark No refertal needed for speciaisis No con lor cevered preventive care Lowar ou-of-pockat imit than UNP CDNip semices when yau see a preferred provicer Medical benefits Centicate of coverage vigo/2020lsocinebblelasaic) Find everything you need to krow about this plan's medical. vision and prescription See the Surmery of Beselits and Coverage for an oveniew of this plan's caveroge drug coverge ard costs Whderatandiog. veut coverage Unebbrben efltwindsatanding sexerage) Preventixe cace URebb/kenglitsjareventivel From your UMP 2020 premiums to your out-od-pocket expensas, leam at abeut yeut It wight be had to rerember to go to the docior whan you're not sck but geeing an cost for care annuat checkeup and other preventive care is one of the easiest woys no protect yout health. Advice 24 nurse line At no cast to you, regstared nurses can assess symotons end help you decide what knd ct care you reed. Call Advice24 nurse ine 247 at 118001267.7729 Prescription drugs Pharmacclesateculgainelselumdenharm-locaten Drus.adice sheck (isgipabblumg-arug-check) Save money whec you use a network pharinacy. Find out how much your drig costs. The prices shown tor drugs assume you've met yeur deducibie WMe Praferred Drug Liat Vgoiphablume-adl Erescrintion drug.soverage.liabbldenefitafoceserintiongl Wse this liot to see if your drug is covered. Make sure you select uMP Classic before Find aut mere about UMP presciption drug coverage and cosis, netuding access to Yeu seaich for yeur dring by name, ciass, ar arig ber. networe pharmacies Speciaily druge Specaly drugs must be purchased through Ardon Heaith which offers a varialy at dilsalyae UMP? mecicators fram injectables to oncology therapies Call Aedon Healih a 1,6555) 425 - Vew your prescription chims history and find forms and mertaer resourees mhrough 4085 (tR5 710 Weahingtos state 85 services. Providers SoTe providers are newwok groviders in one location but not anather Confirm a Leam why you should claose a prefored pmovidec, whether you reed a primany care provider a neswork stabus before your vist to avoid paying mere. mrovider and more Medical benefits Centifisate of coverage Wgo/2020/koc/pebbledlhe] Summary of Benelits and Coverage llgor2020isbeipebbledhat Find everything you need to know about this plan's medxal, visian and prescription See the Summary of Benefis and Coverage for an overview of this plan's coverage arg coverage and costs Hnderstandiog.your coyerage: (ipebbblbenefitsfunderstandling-kewerage) From your UMP 2020 premiums to your out-ot-pocket expenses. leam al abcut your It might be hand to remembet to 9010 the doctor when youre not sck but gett.ng an cost for care annual check-up and other proventwe care s ane of the easiest ways 00 prctect your health Healh saving ackount Urehbrlbens fitsihsal Advice24 nurse line Whh a high-deduct ble heaith plan, you can put pre tax moneyinto a heaich savings At no cost to you, registered nurses can assess symptoms and relp you decide what account (HSA) and use these funds to pey for qualfied mectical and preser gecon drug kind of care yau need. Cal Advice 24 nurse ine 247 at 180001267.6729 expenses Prescription drugs Eharmacculocator (igolpebblumpedharm-locetor) Drys arice chesk (Wgolrabbhigh-deductibleflump-drug-chesk) Save money when you use a nelwork pharmacy: Find out how much your drug costs. The prices shown for drugs assume you ve met your deductibie. Pressiption drug soverase. (deableheneflita(rroscriptions) Use this toal ta see if your drug is covered Make sure you select UMP CDMP before Find out more about UMP prescription drug coverage. you search for your drug by name or class Specialty drugs Specady diugs must be purchased through. Ardon Health, which afers a variety of displype (uMp) medicabors from inyectables to cricalogy therapies. Cal Andon Heash at 1 (955) 425 . View your prescription claims history and find forms and member resourtes through 4095 (TR5. 710 Washingion State Rx Services. Providers Eind anetwerk, arowidar ('gowideblWMMP-CDHB) More about provisses (Mrobbihenellitincoviders) Some providers are network providers in one location but not another. Confim a Learn why you should choose a greferred provider, whether you need a primary care providers network statws before your vist to avoid paying more. provider and more Started: Apr 27 at 4:21pm Quiz Instructions In Part 1 of the Ch4 Activity you will choose the insurance plan that is best suited for Amy, a hypothetical new employee of Wenatchee Valley College. This is your opportunity to learn about how health insurance works and practice choosing the best option. Amy just got hired by WVC full-time. WVC offers its full-time employees two options for health insurance: the UMP Classic plan and the UMP CDHP plan. Information About the Two Plans: In addition, the following things are true: - If an employee chooses the UMP Classic plan, the employee must pay a premium of $104 per month for themselves. - If an employee chooses the UMP CDHP plan, the employee must pay a premium of $25 per month for themselves. - If an employee chooses the UMP CDHP plan, WVC deposits $700 annually into a Health Savings Account (like a bank account) that the employee can use to pay for provider visits (doctors, therapists, etc) or prescriptions. Information About Amy's Healthcare Needs: Amy goes to see a counselor twice per month. The counselor charges $200 per visit. She also goes to see the doctor every quarter (4 times per year) to get checked for her thyroid condition. The doctor charges $150 per visit. In addition to the doctor's visit, she must get a blood test each quarter which costs $75. Her thyroid medicine costs $15 per month. Amy also has asthma which causes her to have to buy inhalers quarterly that cost $200 each. Luckily, her insurance must cover all pre-existing conditions which means that it covers everything listed above. And, all of her providers are "in-the-network." Use the information about both plans AND Amy's healthcare needs to determine which insurance plan Amy should choose. Reading the textbook from page 198200 and watching the videos on p. 199 and 200 in the eText on MyLab \& Mastering will be EXTREMELY helpful before you start - it will teach you all the vocabulary you need to understand the plans attached and how the charges work. UMP Classi uses our largest network of provicers wit UMP Classc, you get covered preverene care ot no cost to you when yeu see a praferred providet. UMP Classic aho eavers the full eost at certain programs ta qut smoking or manage dacetes. Plan foatures Uses largest previder netwark No refertal needed for speciaisis No con lor cevered preventive care Lowar ou-of-pockat imit than UNP CDNip semices when yau see a preferred provicer Medical benefits Centicate of coverage vigo/2020lsocinebblelasaic) Find everything you need to krow about this plan's medical. vision and prescription See the Surmery of Beselits and Coverage for an oveniew of this plan's caveroge drug coverge ard costs Whderatandiog. veut coverage Unebbrben efltwindsatanding sexerage) Preventixe cace URebb/kenglitsjareventivel From your UMP 2020 premiums to your out-od-pocket expensas, leam at abeut yeut It wight be had to rerember to go to the docior whan you're not sck but geeing an cost for care annuat checkeup and other preventive care is one of the easiest woys no protect yout health. Advice 24 nurse line At no cast to you, regstared nurses can assess symotons end help you decide what knd ct care you reed. Call Advice24 nurse ine 247 at 118001267.7729 Prescription drugs Pharmacclesateculgainelselumdenharm-locaten Drus.adice sheck (isgipabblumg-arug-check) Save money whec you use a network pharinacy. Find out how much your drig costs. The prices shown tor drugs assume you've met yeur deducibie WMe Praferred Drug Liat Vgoiphablume-adl Erescrintion drug.soverage.liabbldenefitafoceserintiongl Wse this liot to see if your drug is covered. Make sure you select uMP Classic before Find aut mere about UMP presciption drug coverage and cosis, netuding access to Yeu seaich for yeur dring by name, ciass, ar arig ber. networe pharmacies Speciaily druge Specaly drugs must be purchased through Ardon Heaith which offers a varialy at dilsalyae UMP? mecicators fram injectables to oncology therapies Call Aedon Healih a 1,6555) 425 - Vew your prescription chims history and find forms and mertaer resourees mhrough 4085 (tR5 710 Weahingtos state 85 services. Providers SoTe providers are newwok groviders in one location but not anather Confirm a Leam why you should claose a prefored pmovidec, whether you reed a primany care provider a neswork stabus before your vist to avoid paying mere. mrovider and more Medical benefits Centifisate of coverage Wgo/2020/koc/pebbledlhe] Summary of Benelits and Coverage llgor2020isbeipebbledhat Find everything you need to know about this plan's medxal, visian and prescription See the Summary of Benefis and Coverage for an overview of this plan's coverage arg coverage and costs Hnderstandiog.your coyerage: (ipebbblbenefitsfunderstandling-kewerage) From your UMP 2020 premiums to your out-ot-pocket expenses. leam al abcut your It might be hand to remembet to 9010 the doctor when youre not sck but gett.ng an cost for care annual check-up and other proventwe care s ane of the easiest ways 00 prctect your health Healh saving ackount Urehbrlbens fitsihsal Advice24 nurse line Whh a high-deduct ble heaith plan, you can put pre tax moneyinto a heaich savings At no cost to you, registered nurses can assess symptoms and relp you decide what account (HSA) and use these funds to pey for qualfied mectical and preser gecon drug kind of care yau need. Cal Advice 24 nurse ine 247 at 180001267.6729 expenses Prescription drugs Eharmacculocator (igolpebblumpedharm-locetor) Drys arice chesk (Wgolrabbhigh-deductibleflump-drug-chesk) Save money when you use a nelwork pharmacy: Find out how much your drug costs. The prices shown for drugs assume you ve met your deductibie. Pressiption drug soverase. (deableheneflita(rroscriptions) Use this toal ta see if your drug is covered Make sure you select UMP CDMP before Find out more about UMP prescription drug coverage. you search for your drug by name or class Specialty drugs Specady diugs must be purchased through. Ardon Health, which afers a variety of displype (uMp) medicabors from inyectables to cricalogy therapies. Cal Andon Heash at 1 (955) 425 . View your prescription claims history and find forms and member resourtes through 4095 (TR5. 710 Washingion State Rx Services. Providers Eind anetwerk, arowidar ('gowideblWMMP-CDHB) More about provisses (Mrobbihenellitincoviders) Some providers are network providers in one location but not another. Confim a Learn why you should choose a greferred provider, whether you need a primary care providers network statws before your vist to avoid paying more. provider and more