Medical Centre Note-Health Insurance

I report to the Community Director and one of her objectives is to research health insurance options. Thus this assignment falls to me. I've looked at other hoods to see how thier health insurance works and if health insurance is a neccessary part of Apple Valley life.



The fundamental concept of insurance is that it balances costs across a large, random sample of sims. Apple Valley is a small sample of sims and in addition, medical costs are low in the hood and sims do not utilize the medical centre as often except for prescriptions. Also, there has not been a need for expensive procedures such as surgeries and intensive testing.


Current Medical Fees
Broken Limb $1,500 (0)
IVF Treatment $5,000 (1)
Induced Labor $2,500 (1)
Consulation with Doctor $100 (0)
Plastic Surgery/per part $3,000 (0)
Prescription Medicine $450 (4)
to be added
Rehabilitation Services/per simday $500 (0)
Midwifery Services (including pre-natal care, delivery, 1st check-up) $1000 (0)

There are numerous health care options, I would recommend a non-profit hood funded/managed healthcare system. This can be accomplished by having an additional tax for each household (say about $50-$100/simweek). This would currently provide about $900-$1800 a simweek for the healthcare bank. This money can be used to reduce the cost of services for residents that use it during the simweek. However, this would require more thought and planning.


Due to the lack of need for a health insurance and amount of difficulty in creating such a program, I recommend that the topic be shelved until next simweek to see if any changes have been noted in the hood and the health of the residents. Until then, residents can use the options currently available to them (installment plans, welfare assistance application, healthy living).