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2. Benefit of health insurance - A cautionary tale In 2016, Dina became responsible for providing her own health Insurance. She obtained suitable coverage and paid annual premiums as shown in the following table Compute Dina's total premiums: Dina's Premiums $4,479 2016 2017 2018 4,704 4,824 5,049 2019 Total Except for an occasional minor illness requiring a doctor's attention, a drug prescription, and periodic, routine tests, Dina enjoyed good health during those years. Because she had no reason to think that would change, by the end of 2018, Dina was considering dropping her health insurance coverage. After all, she could think of a lot of other uses for the thousands of dollars she spent each year on increasing premiums. Dina decided to pay premiums for another year but planned to take another look at her health care plan at the end of 2019, It could happen to You, It Could Happen to Me In December 2019, Dina accepted an invitation from friends to go snowboarding. Dina did everything right took a lesson, stayed on trails well within her skill level, and maintained an awareness of people and objects near her. Even though she thought it was a bit dorky to wear wrist guards and a helmet, her friends insisted that she take standard and reasonable safety measures Dina was enjoying the day when from out of nowhere (actually, the woods), came an out of control skler who ran into Dina Dina was injured and taken to the nearest hospital by ambulance Dina's injuries included a broken wrist and elbow as well as cuts and bruises. Of biggest concern was the uncertainty of her head injury. Dina spent a couple of days in intensive care Fortunately, she didn't have a broken skull, but did have a concussion Surgery was performed to repair the broken wrist and elbow Since Dina was in good health, her recovery was complete. Dina returned to full function in about six months Soon after Dina retumed home, however, the medical bills for the ambulance, emergency room, intensive care, medications, doctors, tests, and other services arrived. Dina also had to have physical therapy for her wrist and elbow. Her total medical expenses were $40,000. It was time to find out if all those premium paid since 2016 would pay off for just one, albeit dramatic, incident of the expenses, or Overall, Dina's insurance pad 80% of the total medical expenses, thus making her responsible for Dina's insurance paid Her out of pocket expenses for the accident of plus the 2019 insurance premiums of totaled W pina had canceled her health insurance at the end of 2018, her out of pocket expenses for the accident would have been Come, did Dina benefit from having health insurance? In this What are reable morals of the story? Check averata. Thinking and hard about the best tradeoff of coverage and cost in a health care plan Avold engaging in physical activity Your health can change in an instant Never leave the house Don't get Some employers part or of health insurance premiums for employees who are enrolled in one of the company sponsored plans, Assum that during the same time period that ona pod for her premiums in full that she had, inste, worked for a firm that paid 25% of her premiums for Dinas insurance pro totaled plus the 2019 insurance premiums of 3 Her out-of-pocket expenses for the accident of In this If Dina had canceled her health insurance at the end of 2018, her out-of-pocket expenses for the accident would have been case, did Dina benefit from having health insurance? What are reasonable morals of the story? Check all that apply Think long and hard about the best tradeoff of coverage and cost in a health care plan, Avoid engaging in physical activity Your health can change in an instant Never leave the house Don't get sick Some employers pay part or all of the health insurance premiums for employees who are enrolled in one of the company's sponsored plans. Assume that during the same time period that Dina paid for her premiums in full that she had, instead, worked for a firm that paid 25% of her premiums for the same coverage. Instead of paying premiums of over the years, Dina would have paid and saved In this case, Dina's out-of-pocket expenses specific to ner snowboarding accident would have been they actually were because Grade it Now Save A Continue Continue without saving