Betsy has Type 2 diabetes and high blood pressure. She visits the doctor often to keep her diabetes and blood pressure controlled. The doctor regularly checks her blood levels and prescribes level 1 prescriptions to help Betsy control her diabetes and blood pressure.

• Betsy is considered a controlled diabetic; she uses her insurance plan frequently.
  • Compare the plans provided and determine the best plan for Betsy. Remember to consider deductibles and general costs for the services she would be using.
• For several years, Betsy was really taking care of herself. However, after suffering a broken leg and being more inactive, Betsy has gained weight and has not been diligent about controlling her diabetes. Betsy has found that she is requiring emergency department services and urgent care more often.

• If Betsy was considering changing her insurance plan, which plan should she consider? Why?
• How does the plan she should consider in this scenario compare to the plan choice from the first question?

Describe the impact diabetes as a chronic disease has on health care costs

Review the following insurance plans and then answer the questions below. Services Bronze $163 $6,000 $35 co-pay for three visits, then 20% of co- insurance Silver $194 $4,000 $30 co pay/provider/day Gold $245 $1,000 $20 co pay/provider/day Monthly cost Deductible Primary care Specialist visit $60 co- pay/provider/day $40 co- pay/provider/day $70 co-pay for three visits, then 20% of co insurance Preventive No charge No charge No charge care/screening/immunization Diagnostic test (x-ray, blood work) Office visit co-pay or 20% of co-insurance $35 co-pay or 20% of co- insurance if co- Office visit co-pay or 20% of co-insurance pay limit is reached $25 co-pay/30 day supply 20% of co- Level 1 prescription drugs $15 co-pay/30 supply $15 co-pay/30 supply Emergency dept. services $350 co- $250 co- pay/facility/day 20% of co-insurance insurance 20% of co pay/facility/day 20% of co-insurance Emergency medical transportation Urgent insurance $75 co-pay $60 co pay/provider/day 20% of co-insurance $60 co- pay/provider/day 20% of co-insurance care Hospital stat (acility fee, physician/surgeon fee) 20% of co- insurance Review the following insurance plans and then answer the questions below. Services Bronze $163 $6,000 $35 co-pay for three visits, then 20% of co- insurance Silver $194 $4,000 $30 co pay/provider/day Gold $245 $1,000 $20 co pay/provider/day Monthly cost Deductible Primary care Specialist visit $60 co- pay/provider/day $40 co- pay/provider/day $70 co-pay for three visits, then 20% of co insurance Preventive No charge No charge No charge care/screening/immunization Diagnostic test (x-ray, blood work) Office visit co-pay or 20% of co-insurance $35 co-pay or 20% of co- insurance if co- Office visit co-pay or 20% of co-insurance pay limit is reached $25 co-pay/30 day supply 20% of co- Level 1 prescription drugs $15 co-pay/30 supply $15 co-pay/30 supply Emergency dept. services $350 co- $250 co- pay/facility/day 20% of co-insurance insurance 20% of co pay/facility/day 20% of co-insurance Emergency medical transportation Urgent insurance $75 co-pay $60 co pay/provider/day 20% of co-insurance $60 co- pay/provider/day 20% of co-insurance care Hospital stat (acility fee, physician/surgeon fee) 20% of co- insurance