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Why is citrate not available for micro collection?

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Latesha moore has a choice at work between a traditional health insurance plan that pays 80 percent of the cost of doctor visits after a $250 deductible and an hmo that charges an $8 co-payment per visit + a $20 monthly premium deduction from her paycheck. latesha anticipates seeing a doctor once a month for her high blood pressure. the cost of each office visit is $50. she normally sees the doctor an average of three times a year for other health concerns. comment on the difference in costs between the two health care plans and the advantages and disadvantages of each.