1.) An indemnity plan that allows the Ridpaths to choose health services from a wide range of doctors and hospitals. The plan pays 80% of all medical costs, and the Ridpaths are responsible for the other 20% . There?s a deductible of $500 per person. Greg?s employer will pay 100% of the cost of this plan for Greg, but the Ridpaths will be responsible for paying $380 a month to cover Tanya and the children under this plan.2.) A group HMO. If the Ridpaths choose this plan, the company still pays 100% of the plan?s cost for Greg, but nsurance for Tanya and the children will cost $295 a month. They?ll also have to make a $20 co-payment for any doctor?s office visits and prescription drugs. They will be restricted to using the H M O?s doctors and hospital for medical services.