Blue Cross/Blue Shield plan: The monthly premium cost to Ronald will be $40. For all doctor office visits, prescriptions, and major medical charges, Ronald will be responsible for 35 percent of covered charges and the insurance company will cover the rest. The annual deductible is $380.

Ronald decided to review his medical bills from the previous year to see what costs he had incurred and to help him evaluate his choices. He visited his general physician 3 times during the year at a cost of $179 for each visit. He also spent $45 and $120 on prescriptions during the year.

What annual medical costs will Ronald pay using the sample medical expenses provided if he were to enroll in the Blue Cross/Blue Shield plan?