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In order to make premiums more affordable for their customers, Leroux Health Insurance is considering some changes to one of the plans they offer. Both the current options and proposed changes are outlined below:

| Leroux Health Insurance | Plan A | Proposed Changes |
|-------------------------|--------------|-------------------|
| Cost: | | |
| Monthly Premium: | [tex]$248.00 | $[/tex]203.00 |
| Annual Deductible: | [tex]$5,500.00 | $[/tex]8,500.00 |

Co-pays:
- Brand-name Prescriptions: [tex]$35.00 (Plan A), $[/tex]30.00 (Proposed)
- Generic Prescriptions: [tex]$15.00 (Plan A), $[/tex]10.00 (Proposed)

Visits:
- Primary Care Physician: [tex]$30.00
- Specialist: $[/tex]45.00
- Urgent Care: [tex]$90.00
- Emergency Room: $[/tex]250.00

Sagot :

GinnyAnswer
Let's go through the problem step-by-step to determine the changes to the plan proposed by Leroux Health Insurance.

### Step-by-Step Analysis:

1. Identify the Initial Monthly Premium and Proposed Monthly Premium:
- Current Monthly Premium: \[tex]$248.00 - Proposed Monthly Premium: \$[/tex]203.00

2. Identify the Initial Annual Deductible and Proposed Annual Deductible:
- Current Annual Deductible: \[tex]$5,500.00 - Proposed Annual Deductible: \$[/tex]8,500.00

3. Calculate the Monthly Premium Difference:
- Difference: \[tex]$248.00 (initial) - \$[/tex]203.00 (proposed) = \[tex]$45.00 saved per month 4. Identify the Co-payments for Prescriptions and Visits: - Brand-name Prescription Current: \$[/tex]35.00
- Brand-name Prescription Proposed: \[tex]$30.00 - Generic Prescription Current: \$[/tex]15.00
- Generic Prescription Proposed: \[tex]$10.00 - Primary Care Physician Visit: \$[/tex]30.00
- Specialist Visit: \[tex]$45.00 - Urgent Care Visit: \$[/tex]90.00
- Emergency Room Visit: \[tex]$250.00 5. Change Analysis: - Brand-name Prescriptions: Amount saved = \$[/tex]35.00 - \[tex]$30.00 = \$[/tex]5 per visit
- Generic Prescriptions: Amount saved = \[tex]$15.00 - \$[/tex]10.00 = \[tex]$5 per visit - Monthly Premium Savings: \$[/tex]45 per month
- Increase in Annual Deductible: \[tex]$8,500.00 (proposed) - \$[/tex]5,500.00 (initial) = \[tex]$3,000 ### Summary of Changes: - Monthly Cost Savings: \$[/tex]45 saved per month on premium.
- Annual Deductible Increased: \[tex]$3,000 increase in out-of-pocket deductible cost annually. - Savings on Prescriptions: \$[/tex]5 saved per prescription for both brand-name and generic prescriptions.
- Other Co-pays: Unchanged for visits to primary care physicians, specialists, urgent care, and emergency rooms.

Thus, Leroux Health Insurance's proposed changes aim to reduce monthly premiums and prescription co-pays while increasing the annual deductible. Overall, customers will see immediate savings on a month-by-month basis and on prescription costs but need to be prepared for a higher potential annual out-of-pocket expense due to the increased deductible.
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