How to figure out insurance costs First look at the coverage JZ has Blue cross Insurance. Includes basic medical/ doctor & hospital. No dental coverage He pays $250 per month in premiums Deductible is 500 per calendar year Co-Insurance is 80/20

Now look at medical costs January Dr. visit for sore throat100 Dental check up150 Appendectomy June Stitches for laceration150 Ankle sprain100

Correct order 1.Add up costs 2.Apply deductible 3.Apply the co-insurance

Costs INSURANCE CO JZ ____ _100 Total 10,350 TOTAL 150

Apply deductible 10,350 Total cost of care paid by JZ DEDUCTIBLE 9,850 X.80 = 7880 (80% BY INS) 9,850 X.20= 1970 (20% by JZ)

Add deductible back into JZ cost = $2470 total cost of medical care for $7880 total cost of medical care by insurance company