Ronald Roth started his new job as controller with Aerosystems today. Carole, the employee benefits clerk, gave Ronald a packet that contains information on the company's health insurance options. Aerosystems offers its employees the choice between a private insurance company plan (Blue Cross/Blue Shield), an HMO, and a PPO. Ronald needs to review the packet and make a decision on which health care program fits his needs. The following is an overview of that information. a) The monthly premium cost to Ronald for the Blue Cross/Blue Shield plan will be $49.51. For all doctor office visits, prescriptions, and major medical charges, Ronald will be responsible for 20 percent, and the insurance company will cover 80 percent of covered charges. The annual deductible is $640 b) The HMO is provided to employees free of charge. The copayment for doctors' office visits and major medical charges is $20 Prescription copayments are $10. The HMO pays 100 percent after Ronald's copayment. There is no annual deductible. c) The POS requires that the employee pay $31.68 per month to supplement the cost of the program with the company's payment if Ron uses health care providers within the plan, he pays the copayments as described above for the HMO with no annual deductible. He can also choose to use a healtheate provider out of the network and pay 20 percent of all charges after he pays a $640 deductible. The POS will pay for 80 percent of those covered visits. Rionald decided to teview his medical bilis fiom the prevous yeat to see what cosis he had incuated and to help him evaluste hers choices. He visted his peneral physician four times dising the yeat at a cost of $160 for edch visit He aiso spent $72 and $96 on two preseriptions dufing the yeat What fothl costs will Ronald pay it the entolis in the HaMo plan? Personal annual cost