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.

1. 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.

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