Amy has a group medical policy through her employer with a $500 deductible and a 90% coinsurance provision. She incurs $1,500 in covered health care services. How much will her group insurance carrier pay?

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To determine how much the group insurance carrier will pay for Amy's covered health care services, we must first apply the deductible, followed by the coinsurance calculation.

  1. Deductible: Amy has a $500 deductible. This means she must pay the first $500 of her medical expenses out of her own pocket before the insurance starts to contribute.

  2. Total expenses: Amy incurred $1,500 in health care services. After applying the $500 deductible, the remaining amount eligible for coinsurance is: [ 1,500 - 500 = 1,000 ]

  3. Coinsurance: The policy has a 90% coinsurance provision, which means the insurance will cover 90% of the remaining $1,000. Thus, we calculate how much the insurance will pay: [ 1,000 \times 0.90 = 900 ]

Therefore, the group insurance carrier will pay $900 for Amy's covered health care services after considering the deductible and applying the coinsurance. This is why the answer of $900 is correct.