This insurance company will cover 85 percent of the hospital cost of 4000 USD ($textit{H}$), which can be computed as 0.15 x $textit{H}$.

Pedro had 3 doctor visits at 93 USD ($textit{D}$), which can be computed as 3 x $textit{D}$.

Thus, the total cost is $textit{C}$ = 0.15$textit{H}$ + 3$textit{D}$.

Since the insurance pays for the entire eye exam costs and 100 USD less for a pair of glasses;

$textit{C}$ = (95 – 95) + (395 – 100)

Melissa has to pay $text{underline{295 USD}}$.

$$
underline{text{Lopez family}} \text{In one year,}\ text{Insurance premium paid}=12 * 250=$3000\ text{Out-of-pocket medical expenses}=left(0.15*12,000right)+left(20*14right)+left(4*100right)+left(2*300right)=$ 3080\text{Total medical expenses }=3000+3080=$6080 \ \ underline{text{Perez family}} \text{In one year,}\ text{Insurance premium paid}=12 *410 = $4920 \ text{Out-of-pocket medical expenses}=left(14*15right)+(2*300-100)=$710 \ text{Total medical expenses}=4920+710=$5630 \ \text{From the above calculations we see that the money spent by Perez family for}\text{medical expenses is lesser than that of Lopez family. }\ text{Hence, Perez family’s insurance plan is best under the given circumstances.}
$$