Jasper Bell was a self$-$employed window washer earning approximately $$700$ per week. One day, while cleaning windows on the third floor of the Third National Bank Building, he tripped and fell from the scaffolding to the pavement below. He sustained severe multiple injuries but miraculously survived the accident. He was immediately rushed to the local hospital for surgery. He remained there for $60$ days of treatment, after which he was released to go home for further recuperation. During his hospital stay, he incurred the following expenses: surgeon, $$7,500$; physician, $$2,000$; hospital bill for room and board, $$250$ per day; nursing services, $$1,200$; anesthetics, $$600$; wheelchair rental, $$100$; ambulance, $$150$; and drugs, $$350.$ Jasper has a major medical policy that has a $$3,000$ deductible clause, an $80$ percent co$-$insurance clause, internal limits of $$180$ per day on hospital room and board, and $$1,500$ as a maximum surgical fee. The policy provides no disability income benefits.

Critical Thinking Questions

Explain the policy provisions concerning deductibles, co$-$insurance, and internal limits$.$

How much should Jasper expect to receive from the insurance company? How much must he pay out of his own pocket?

Would any other policies have offered Jasper additional protection? What about his inability to work while recovering from his injury?

Based on the information presented, how would you assess Jasper$$s health care insurance coverage? Explain