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    Act ch09 l04 English

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    Azar .Official

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    © All Rights Reserved
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    Act ch09 l04 English

    Uploaded by

    Azar .Official
    12 views3 pages

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    act-ch09-l04-english

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    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    12 views3 pages

    Act ch09 l04 English

    Uploaded by

    Azar .Official

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 3

    Health Coverage Comparison

    CHAPTER 9, LESSON 4

    NAME(S) DATE
    Azar Dris 4/15/24

    DIRECTIONS
    Use the Health Plan Comparison Sheet to calculate the total out-of-pocket medical expense for each insurance
    plan, Health Choice and Super Health, and record your answers in the chart. When you begin, your deductible
    has not been met. The fee listed next to each item is the cost of that service without any health insurance.

    COST WITH COST WITH


    SERVICE AND COST
    HEALTH CHOICE SUPER HEALTH

    1. Doctor’s office visit for a sore throat and cough


    $5 $9.5
    (in network) $95

    2. Emergency room for stitches (in network) $115 $25 $11.5

    DEDUCTIBLE NOW MET

    3. Appendectomy (in network)


    » Surgery $14,000
    $10 $15
    » Two-night hospital stay $2,000
    » Prescription (brand) $185

    4. Eye exam (in network) $45 $10 $4.5

    5. Urgent care (out of network) $85 $68 $8.5

    6. Prescription (generic, in network) $85 $5 $5

    7. Prescription (brand, out of network) $225 $56.25 $5

    8. Annual physical (in network) $95 $5 $9.5

    9. Emergency room for snowboard accident


    $25 $0
    (concussion, broken leg, X-rays, etc.) $6,500

    10. Urgent care (in network) $105 $10 $10.5

    FO U N DATI O NS I N PERSONA L FI NA NCE PAGE 1 O F 3


    Health Plan Comparison Sheet
    SERVICE
    HEALTH CHOICE SUPER HEALTH
    AND COST

    90% of approved amount after


    Emergency
    $25 co-pay deductible; 100% of approved amount
    Room for accidental injury

    In Network: $10 co-pay; 100% for initial


    exam for accident/medical emergency
    Out of Network: 80% of approved
    Urgent Care 90% of approved amount after deductible
    amount after deductible, 100% of
    approved amount for initial exam for
    accident/medical emergency

    In Network: 100% of approved amount


    Surgery Out of Network: 80% of approved 100% of approved amount
    amount after deductible

    In Network: 100% of approved amount


    100% of approved amount plus $5 per
    Hospital Care Out of Network: 80% of approved day for private room
    amount after deductible

    In Network: Co-pay $5 generic/$10 brand


    Prescriptions Co-pay $5 generic/brand
    Out of Network: 75% of approved amount

    In Network: $5 co-pay; 100% approved


    amount for initial exam for injury/
    medical emergency
    Physician 90% of approved amount after
    Out of Network: 80% of approved
    Office Visit deductible;100% for accidental injury
    amount after deductible; 100% approved
    amount for initial exam for injury/
    medical emergency

    In Network: $10 co-pay for one exam per


    calendar year
    Vision 90% of approved amount after deductible
    Out of Network: 80% of approved
    amount after deductible

    In Network: None
    Deductible Out of Network: $250 individual per $250 per calendar year
    calendar year

    In Network: None
    Maximum
    Out of Network: 100% after payments 100% after payments reach $1,000
    Out of Pocket
    reach $2,500

    FO U N DATI O NS I N PERSONA L FI NA NCE PAGE 2 O F 3


    Health Coverage Comparison
    CHAPTER 9, LESSON 4

    DIRECTIONS
    Answer the following questions and be ready to discuss your answers with the class.

    1. How much total money would you have spent out of pocket with each plan?
    $219.25 for health choice, $79 for super health

    2. With each plan, how much total money would you have to spend before the insurance
    coverage pays 100% of your medical costs?
    $25 and $5 copays for health choice, $5 copays for super health

    3. What is the purpose of health insurance?


    Protect you from medical bills and your money

    4. Why is it important for young adults to understand the role of health insurance?
    So they won't have problems at the time of getting one, which is essential

    FO U N DATI O NS I N PERSONA L FI NA NCE PAGE 3 O F 3

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