At a Thanksgiving gathering a family member, unknowingly, used a very expired can of canned pumpkin to make the pumpkin pie they brought to the meal. Fortunately, only four people ate it: 68-year-old great aunt Amelia, 45-year-old cousin Ben (who made the potato salad), Bens 12-year-old daughter Clara, and Bens sister-in-law Danielle. All four were rushed to the emergency department by ambulance with food poisoning and receive identical courses of treatment. However, they each have different sources of coverage for their healthcare needs. Amelia is enrolled in Medicare, Ben has a Bronze-level health insurance exchange plan, Clara is not on Bens plan because she qualifies for and is covered by Medicaid, and Danielle has coverage through her private sector employer. List the name of EACH PERSON (Amelia, Ben, Clara, or Danielle) for whom the following statements would describe the payment or the financing implications of the care they received. (10 points total; 2 points each)

I. They most likely would have to pay negligible or no out-of-pocket costs for the services they received.

II. They most likely will have to pay for a good portion of their care of out-of-pocket before their plan coverage kicks in because they have a large deductible.

III. The amount paid to the institutional and professional providers by their coverage source will most likely be higher than the amounts paid by at least two other family members.

IV. They have a lower risk than at least two other family members that the hospital emergency department is out-of-network for their coverage.

V. Their coverage will most likely have used different payment methods when paying the professional and institutional providers who gave them care.