Zach is a healthy 30 year old who rarely goes to the doctor and does not take any medication. He has been offered the insurance plans above. He is considering the plans for use of common ailments (e.g., colds) and for preventive tests.

• Compare the plans and determine which would be the best plan for Zach.

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.

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

Review the following insurance plans and then answer the questions below. Services Bronze $163 $6,000 $35 co-pay for three visits, then 20% of co- insurance Silver $194 $4,000 $30 co pay/provider/day Gold $245 $1,000 $20 co pay/provider/day Monthly cost Deductible Primary care Specialist visit $60 co- pay/provider/day $40 co- pay/provider/day $70 co-pay for three visits, then 20% of co insurance Preventive No charge No charge No charge care/screening/immunization Diagnostic test (x-ray, blood work) Office visit co-pay or 20% of co-insurance $35 co-pay or 20% of co- insurance if co- Office visit co-pay or 20% of co-insurance pay limit is reached $25 co-pay/30 day supply 20% of co- Level 1 prescription drugs $15 co-pay/30 supply $15 co-pay/30 supply Emergency dept. services $350 co- $250 co- pay/facility/day 20% of co-insurance insurance 20% of co pay/facility/day 20% of co-insurance Emergency medical transportation Urgent insurance $75 co-pay $60 co pay/provider/day 20% of co-insurance $60 co- pay/provider/day 20% of co-insurance care Hospital stat (acility fee, physician/surgeon fee) 20% of co- insurance Review the following insurance plans and then answer the questions below. Services Bronze $163 $6,000 $35 co-pay for three visits, then 20% of co- insurance Silver $194 $4,000 $30 co pay/provider/day Gold $245 $1,000 $20 co pay/provider/day Monthly cost Deductible Primary care Specialist visit $60 co- pay/provider/day $40 co- pay/provider/day $70 co-pay for three visits, then 20% of co insurance Preventive No charge No charge No charge care/screening/immunization Diagnostic test (x-ray, blood work) Office visit co-pay or 20% of co-insurance $35 co-pay or 20% of co- insurance if co- Office visit co-pay or 20% of co-insurance pay limit is reached $25 co-pay/30 day supply 20% of co- Level 1 prescription drugs $15 co-pay/30 supply $15 co-pay/30 supply Emergency dept. services $350 co- $250 co- pay/facility/day 20% of co-insurance insurance 20% of co pay/facility/day 20% of co-insurance Emergency medical transportation Urgent insurance $75 co-pay $60 co pay/provider/day 20% of co-insurance $60 co- pay/provider/day 20% of co-insurance care Hospital stat (acility fee, physician/surgeon fee) 20% of co- insurance