1. 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

2. Now look at medical costs January Dr. visit for sore throat100 Dental check up150 Appendectomy 10000 June Stitches for laceration150 Ankle sprain100

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

4. Costs INSURANCE CO JZ 100 10000150 150 ____ _100 Total 10,350 TOTAL 150

5. Apply deductible 10,350 Total cost of care - 500 paid by JZ DEDUCTIBLE 9,850 X.80 = 7880 (80% BY INS) 9,850 X.20= 1970 (20% by JZ)

6. Add deductible back into JZ cost 1970+ 500 = $2470 total cost of medical care for $7880 total cost of medical care by insurance company