To evaluate how the proposed changes will affect Kevin's healthcare costs under Leroux Health Insurance's Plan A, let's analyze both the current plan and the proposed modifications.
1. **Monthly Premium Change**:
- Current: $248.00
- Proposed: $203.00
- **Analysis**: The monthly premium decreases, which is a cost-saving change.
2. **Annual Deductible Change**:
- Current: $5,500.00
- Proposed: $8,500.00
- **Analysis**: The deductible increases significantly. This means Kevin will have to pay more out-of-pocket before the insurance starts covering costs.
3. **Co-pays for Regular Medical Visits**:
- **Primary Care Physician**: Decreases from $40.00 to $30.00
- **Specialist**: Decreases from $60.00 to $45.00
- **Urgent Care**: Decreases from $125.00 to $90.00
- **Analysis**: Co-pays for regularly scheduled healthcare visits decrease, which means lower out-of-pocket costs for these visits.
4. **Co-pays for Prescription Medications**:
- **Brand-name Prescriptions**: Decreases from $35.00 to $30.00
- **Generic Prescriptions**: Decreases from $15.00 to $10.00
- **Analysis**: Co-pays for prescriptions also decrease, leading to further cost reductions.
5. **Emergency Room Co-pay**:
- Current: $325.00
- Proposed: $250.00
- **Analysis**: The emergency room visit cost decreases, which is better for Kevin in case he needs emergency care.
### Summary:
- The proposed changes lead to lower monthly premiums, lower co-pays for regular medical care and prescription drugs, and lower emergency room costs.
- However, the increase in the annual deductible means that if Kevin faces serious illness or injury, he will need to pay more out-of-pocket before insurance coverage kicks in.
Given this analysis, the correct option would be:
**a. Costs for regularly scheduled health care will go down, but Kevin may end up paying more if he finds himself seriously ill or injured.**