The doctor 's office has estimated the hospital expense for Jamie lee and the babies' deliverey, without complications to be approximately 18,000. based on their health insurance policy, how much would Jamie lee and Ross owe for this out-of- network hospital stay?

HEALTH AND DISABILITY INCOME INSURANCE amie Lee and Ross, happy newlyweds with a new home and twins on the w ously awaiting their new bundles of joy, Ross was understandably nervous as he if everything would go smoothly with Jamie's pregnancy. Fortunately, they coorded benefits from the medical insurance group plan offered by Ross's employment graphies agency and Jamie Lee's own plan, although Ross's plan would be their priman His employer offers a health care savings plan, but Ross had not previously realized way, are anx. benefit of participating. Jamie Lee has had maternity care that she has been comfortable with so far, but needed to review their health insurance policies with the potential of extensive expenses just on the horizon. He wondered if his salary would be enough to pay for thu expenses that were not covered for out-of-network doctors. Current Medical Insurance Plan Provisions Jamie Lee and Ross have a PPO, or preferred provider organization, plan. In-Network Medical Care Jamie Lee and Ross currently have a $15 copayment on regular preventive care doctor vis bers from the PPO plan's list. a $30 copayment on specialists that are preferred providers or participating men Out-of-Network Medical Care Jamie Lee and Ross have the choice of seeking medical care from the professional of choice outside the PPO member list, but will incur a deductible of $500 per person/S1.00 per family, per year After the deductible is met, there is a coinsurance of 80 percent/20 percent. The in company will cover 80 percent of the allowable medical fees and the policyholders will responsible for the other 20 percent of the allowable medical fees. surance be Medical fees that are not allowed under the medical plan provisions would be of the policyholders' responsibility 100 percent Out-of-Pocket Limits: provikes m out-of pokt lint ,. r