Answer every question in full sentences. For part 2, assume a doctor's appointment and a lab test each cost $100 when determining which plan the consumer should choose.

Review the 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	20% of co-insurance	20% of co-insurance

Consumer B

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.

1. 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.

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.