Lillian Taylor, a recent college graduate, has decided to accept a job offer from a nonprofit organization.She'll earn $34,000 a year but will receive no employee health benefits.Lillian estimates that her monthly living expenses will be about $2,000 a month, including rent, food, transportation, and clothing.

She has no health problems and expects to remain in good health in the near future.Using the Internet or other resources, gather information about two health insurance policies that Lillian could purchase on her own.Include one HMO.

Use the worksheet below to compare the policies' features.

Which of the two policies would you recommend and why?

Service Policy #1 Policy #2

Hospital care

Surgery (inpatient and outpatient)

Office visits to your doctor

Maternity care

Well-baby care

Immunizations

Mammograms

Medical tests, X-rays

Mental health care

Dental care, braces, and cleaning

Vision care, eyeglasses, and exams

Prescription drugs

Choice of doctors

Location of doctors and hospitals