Jackson and Nick have both recently been hired for full-time jobs that provide employer-based health insurance. They have the option to choose from two plans; one has a higher monthly premiums but lower out-of-pocket expenses than the other. What questions should they ask as they consider their choices? How might their decision be impacted by their current health status? Nick's only major past health issue was a broken arm 2 years ago while mountain biking. Jackson currently sees a specialist on an ongoing basis and is prescribed an expensive long-term medication to manage a chronic auto-immune condition. Which plan would you recommend for each and why?
What will be an ideal response?
Answers will vary but should recognize that a plan with higher premiums but lower out-of-pocket costs would likely benefit Jackson, who knows in advance that he will have ongoing significant health care costs.
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Read the dermatology clinic note below.A skin Bx performed in my office confirmed the diagnosis of AK. After explaining the results to Mr. Johnson, I recommended cryotherapy for the smaller lesions on his arms and dermabrasion for his scalp lesions. I explained to Mr. Johnson that AK can lead to squamous cell carcinoma and taught him about the risks of sun exposure, including further AKs and melanoma.According to the clinic note, which is NOT true?
A. AK can lead to a cancerous tumor of squamous skin cells. B. The history of the patient's skin condition confirmed the doctor thinks the patient has skin cancer. C. AK can lead to tumors of the melanin cells. D. The physician recommended that the lesions on the patient's scalp be removed by rubbing or scraping away the outer surface of the skin. E. A skin biopsy confirmed the patient has a horny skin condition caused by sun exposure.