Woman: J. E. Demographic characteristics
Woman: J. E. Demographic characteristics: She is a 32 year-old stay-at—home mother married to an owner of a small landscaping business. They live in Chula 1vista. They have one child who is nowd years old. They have two cars and are currently renting, but they hope to buy a home in the next couple years. Medical history: She is overweight, a breast cancer survivor {1 year post—treatment}, and high blood pressure. First child delivered vaginally; no complications. Pregnancy status: It’s now Cictober 2fl22 and she has just found out she is pregnant. insurance status: Purchased through Covered California in lfllfi. Since it’s open enrollment time and the option exists to stay with the same PFC! but perhaps with a different level of coverage, change to another level of PFC) or to one of the local health maintenance organizations [HMO]. She and her husband know the coverage with their current plan is not very good for delivery, and thus decide to look at some of the other plans and also double-check about whether they might be eligible for a tax credit. She was told by a neighbor, whojust had a baby, to be really careful about what policy they pick, because some have better coverage of pregnancy and delivery services than others. She finds a useful website that lays out some ofthe issues: htt : s finsurancecom california-maternit -insurance- obamacare Utherfoctors.’ She is concerned about hospital quality as well as the reputation of the doctor who would take care of her. While she prefers to see a female doctor and would like to keep her current doctor, this is less important than the cost of care since they are trying to save up to buy a house. Questions: 1. Based on the advice provided on the insurance broker website, go to the link below on the Covered California website ihttps:{fapglycoveredcatomglw-shogandcomgaregl and look at the options for their particular circumstances for 21322. Their zip code is 91914, their income is SSS,DUfl. Her husband is 34, she is 32, their child is 4, and she is pregnant. Because of her past cancer diagnosis, she and her husband think they would have L6H user needs. 2. Does the family qualify for a tax credit? For any public programs? 3. Select the "Preview Plans” button, Search for a "Hospital" within a liJ-mile radius. Choose fl use. Select a silfl PFC! plan, a M Hl’vl’CI plan, a gm PFC: plan, and a go_ld HMO plan. How much will each cost per month? Per year? 4. For each ofthe 4 plan options chosen above, click on "details" and then on “summary of benefits and coverage" on the left margin. Look up the cost of delivering a baby for each plan by finding the cost estimate for "Peg is having a baby." Add together the annual premiums + the cost of a delivery. S. What hospital would she deliver in with the option you have chosen? How would you find out about the quality of the hospital?
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