Estimate the family's projected insurance and medical costs. Don't forget to include catastrophic projections. Determine the family's need for health care and the likely use of services with their physician. Let us say that the family determines that the following services might be needed for their child, in addition to two primary care visits for each of them. Determine the plan's enrollment requirements and benefits against the family's health care needs.
Family meets basic requirements.
No preexisting condition restrictions. To obtain answers to these questions, they will need to call an agent from each plan. Don't forget to include catastrophic projections. We have done this and the following is a rough estimate of the Kasun's projected medical costs under each plan. Without looking at their catastrophic protections, the Kasun's would probably choose the high option HMO on cost factors alone.