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

1. Compare the plans above.

• What are the major differences between the plans?
• What are the major similarities between the plans?
• If you were presented with these plans, what would be the major selling points and pitfalls of each plan for you?