1. Health Care Objective:
To illustrate the difference among different _________insurance policies.
STUDENT FILL-IN NOTES

2. PPO: ____________________
Need to get your care from doctors who are on the insurances, “Preferred Provider List,” if you want them to pay for most of it.
_____ required to go through your primary doctor for all visits.
Typically more expensive.

3. HMO: _____________________
Group insurance that entitles members to use services at participating _________.
Traditionally: lower monthly payments and co-pay.
Doctors _______ as gate-keepers to care.

4. Monthly Premium
Monthly ________ for insurance plan.

5. _________________
A specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your _______ insurance plan begins to make payments for claims.
Not all health insurance plans require a deductible.
As a general rule (though there are many exceptions), ____ plans typically do not require a deductible, while most ______ plans do.

6. Office Visit (________)
An office Co-Pay is a monetary amount you pay ($$) when you see the doctor, or dentist for ______ care.

7. Coinsurance
The amount that you are obligated to pay for covered medical services after you’ve satisfied any ___________ or deductible required by your health insurance plan.

8. Health Care Activity 89
Utilize the following for average cost of health care in California.
Government Health Care / Free Clinics- ~$1,200
HMO - $13,122 / 12 = $_____________
PPO - $13, / 12 = $_____________
Divide the sample annual costs from page 94 by 12 and put that dollar amount on the, “Health Care” line [9].
Place that figure on Activity 92 on line [9].

9. Average Cost