Zach has recently been hired as a construction worker and is considering changing his health plan. He realizes that this new job may have more hazards than his last job.

1. Which plan should Zach consider? Why?
2. How does the plan he should consider in this scenario compare to the plan choice from question 1? Remember to consider deductibles and general costs for the services he would be using.

Reviewthe following insurance plans and then answer the questions below.

Services

Bronze

Silver

Gold

Monthly cost

$163

$194

$245

Deductible

$6,000

$4,000

$1,000

Primary care

$35 co-pay for three visits, then 20% of co-insurance

$30 co-pay/provider/day

$20 co-pay/provider/day

Specialist visit

$70 co-pay for three visits, then 20% of co-insurance

$60 co-pay/provider/day

$40 co-pay/provider/day

Preventive care/screening/immunization

No charge

No charge

No charge

Diagnostic test (x-ray, blood work)

$35 co-pay or 20% of co-insurance if co-pay limit is reached

Office visit co-pay or 20% of co-insurance

Office visit co-pay or 20% of co-insurance

Level 1 prescription drugs

$25 co-pay/30-day supply

$15 co-pay/30-day supply

$15 co-pay/30-day supply

Emergency dept. services

20% of co-insurance

$350 co-pay/facility/day

$250 co-pay/facility/day

Emergency medical transportation

20% of co-insurance

20% of co-insurance

20% of co-insurance

Urgent care

$75 co-pay

$60 co-pay/provider/day

$60 co-pay/provider/day

Hospital stay (facility fee, physician/surgeon fee)

20% of co-insurance