An employee started a new job and must enroll in a new family health insurance plan. One of the plans involves prescription drug coverage. The employee estimates that the entire family will fill 10 prescriptions per month, totaling $1,250. The employee has two options to choose from:

Option A: $94 monthly premium; 80% coverage for all prescription costs
Option B: $42 monthly premium; 75% coverage for first $500 in prescription costs, then 85% coverage for all prescription costs over $500

Which option would result in the highest overall cost for the employee, and by how much?

Option A has the highest overall cost by $64.50.
Option B has the highest overall cost by $64.50.
Option A has the highest overall cost by $106.50.
Option B has the highest overall cost by $106.50