Health Care Systems Scenario

By: Jazmin Reynolds, Josh Davis and Logan Lawrence

Family Info..

• Family of two, expecting a girl.

• Currently living in a 3 bedroom, 2 bath home in Panama City, Florida.

• Own a 2011 Cadillac Escalade• No pets.• Family lives out of state.

Financial Info

• Husband: Neurologist-Salary: $150,000• Patient (Wife): In school to become a doctor

Health Insurance • Plan type-Network: a group of doctors, hospitals and other

health care providers contracted to provide services to insurance companies costumers for less than their usual fees. Provider networks can cover a large geographic market or a wide range of health care services. Insured individuals typically pay less for using a network provider.

• Deductable- 2500- a fixed dollar amount during the benefit period-usually a year-that an insured person to pay a fixed dollar amount when medical service is received.

• Coinsurance- 0%. A form of medical cost, sharing in a health insurance plan that requires an insured person to pay a stated percent of medical expenses after the deductable amount if any was paid.

Monthly ExpensesHousing $480.00

Electricity $140.00

Phone $45.00

Water/Garbage $48.00

Other Utilities

Loans, cars, school, etc $1,400.00

Home owner’s/ Renter’s Insurance $70.00

Auto Insurance $310.00

Food ($200.00/person) $400.00

Total $2,923.00

Condition of Patient

• Patient having a Cesarean Section performed in obtaining her baby.

• Patient was taken to Vanderbilt-Husband took her. (In their 2011 White Cadillac Escalade)

Treatment Details and Cost

Estimated Cost

Length of Hospital Stay

96 Hours $10,500

Physician Obstetrician, Pediatrician

$5,000

Surgery Cesarean Section

$10,000

Therapy N/A N/A

Medication Anesthesia, Epidural, Pain medication

$3,000

Number of days from work

8 weeks

Insurance Pays…

•Total Cost is $36,000•Insurance pays $28,800 (80%)•We pay $7,200