HCS/490 WEEK-3 SUMMERTIVE
Part 1
Review the following insurance plans and answer the questions below.
| Services | Bronze | Silver | Gold |
| Monthly cost | $163 | $200 | $245 |
| Deductible (must be met before insurance pays anything) | $3,000 | $2,000 | $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 for three months, then 20% of co-insurance | 20% of co-insurance | 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 | 20% of co-insurance | 20% of co-insurance |
- Assume every lab costs $100 as well as urgent care centers, and every primary care doctor costs $150. Assume the cost of a specialist visit is $200. An emergency room visit costs $1,000 as well as each day in the hospital.
- Read and answer the questions below regarding the two consumers (A and B) and refer to the Gold, Silver, or Bronze plans listed above.
Consumer A
Julie has Type 2 diabetes and high blood pressure. She visits the primary doctor monthly to keep her diabetes and blood pressure controlled. The doctor regularly checks her blood sugar at each visit and prescribes level 1 prescriptions for each condition to help Jenny control her diabetes and blood pressure. She is also on two different drugs for other depression. Jenny is considered a controlled diabetic. She uses her insurance plan frequently.
What is the best plan for Julie? Why? What would she pay out of pocket for the year under each plan?
[Insert answer here]
Consumer B
Terry 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 needed to see his primary care doctor twice during the year and needed one prescription for one month.
Compare the plans and determine which would be the best plan for Terry. Why? What would he pay out of pocket for the year under each plan?
[Insert answer here]
Part 2
- As a marketer working for an insurance company, explain how you would advertise (i.e., billboards, TV, etc.) your services to the below consumers if you could choose only one method to reach that targeted market. Consider both positive and negative implications.
- A 70 year old single woman (Insert answer here)
- A 20 year old single woman (Insert answer here)
- When trying to educate the two consumers above on health plans, what would you focus on for each?
- Describe how facilities use branding as a means of advertising. Provide examples.
(Insert answer here)
