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Sagot :
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.
### 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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