onald started his new job as a controller with Aerosystems today. Carole, the employee benefits clerk, gave Ronaid a packet that ontained information on the company's health Insurance options. Aerosystems offers its employees the choice between a private 15urance company plan (Blue Cross or Blue Shield), an HMO, and a PPO. Ronald needs to review the packet and make a decision on which health care program best fits his needs. The following is an overview of that information. a. The monthly premium cost for Ronald for the Blue Cross or Blue Shleld plan will be $44.32. For all doctor's office visits, prescriptions, and major medical charges, Ronald will be responsible for 20 percent and the insurance company will cover 80 percent of the covered charges. The annual deductible is $500. b. The HMO is provided to employees free of charge. The copayment for doctors' office visits and major medical charges is $35 Prescription copayments are $5. The HMO pays 100 percent after Ronald's copayment. There is no annual deductiole c. The POS requires that the employees pay $32.25 per month to supplement the cost of the program with the company's payment. If Ronald uses health care providers within the pian, he pays the copayments as described above for the HMO. He can aiso choose to use a health care provider outside of the service and pay 20 percent of the covered charges after he pays a 5500 deductible. The POS will pay for 80 percent of those covered visits. There is no annual deductible for in-network expenses. Ronald cecided to revlew his medical bilis from the previous year to see what costs he had thcurred and to help him evaluste nis choices. He visited his general physicion four times during the year at a cost of $224 for each vist. He also spent $71 and 596 on prescriptions during the yest: For the purposes of the POS computation, assume that Ronaid visited a onysician outside of the network oisn. Assume he had his prescriptions filled ot a network-sporoved pharmacy. Whot totsl costs will Ronald pay if ne enrolls in the HMO pisn