Example Plan Benefits for In-Network Care

	Bronze	Silver (No CSR)	Gold	Platinum
Deductible	$5,500	$2,500 Med/$250 Rx	$0	$0
Preventive	$0	$0	$0	$0
Doctors Office Visits	$50	$30	$30	$15
Specialist	30% co-insurance after deductible	$70	$65	$50
Generic Rx	$15 after deductible	$15	$15	$10
Preferred Brand RX	50% co-insurance after deductible	50% co-insurance after deductible	40%	$50
Lab Testing	$0	$0	$0	$0
X-ray	50% co-insurance after deductible	30% co-insurance after deductible	$60	$40
Maternity	$7,410	$5,350	$2,110	$710
Out-patient Surgery	50% co-insurance after deductible	30% co-insurance after deductible	20% co-insurance	$50
Hospital Stay	25% co-insurance, after deductible	25% co-insurance, after deductible	$750 copay per day	$300 copay per day
ER Visit	50% co-insurance after deductible	30% co-insurance after deductible	$350	$250
Urgent Care	50% co-insurance after deductible	30% co-insurance after deductible	$100	$100

*Based on 2018 plan year for Independence Blue Cross Personal Choice PPO Bronze, Silver, Gold, and Platinum plans

Worksheet (you only need to turn in this page, you can delete pages 1-15 if you wish)

Student Name:

Choice 1:

Choice 2:

Did you enter your income as 2020 dollars or % of poverty?

Jacks annual income is about $18,000, which is equal to 148% of poverty.

Complete the worksheet based on your adventure (2 points):

For any calculations you do, please show your work.

Expense	Amount you were responsible for paying
Monthly Premium:
Annual Premiums:
Physician Visit:
Inpatient Hospitalization (if relevant):
Preventive Visit (if relevant):
Payment to IRS (if relevant):
Total Expenses for the year:

1. Do you think Jack made a good choice regarding his initial enrollment in health insurance for the year? Why? (2 points)

2. Based on this adventure, what do you consider to be some of the biggest strengths of the Affordable Care Act? (2 points)

3. Based on this adventure, what do you consider to be some of the biggest shortcomings of the Affordable Care Act? (2 points)

4. What do you think should be the goal of healthcare reform going forward? (2 points)