Meet Nicole

Nicole's family is usually in good health. She doesn't use tobacco products, and they get their annual physicals. They use in-network doctors and pharmacies.They have a pretty smooth year.  

Let's take a look…

Cost

All of the family members get their physicals and the kids get their immunizations.

$150 x 4
100% paid by the Company!

A few of them go to the doctor for the flu. The kids also go to the doctor a few times for sinus infections and a few rashes that won't go away. Each trip includes a few generic prescriptions.

$150 visit x 8
$25 generic x 10

Cost

Nicole has a condition that's managed through medication, but it requires an expensive preferred brand drug to manage it. She fills her prescription through mail order.

$500 preferred brand x 4

One of the kids has allergies and begins taking a generic medication. Nicole fills it once at the pharmacy then switches to mail order for the rest of the year.

$25 generic x 1
$20 generic x 2

Nicole's total expenses

Nicole has incurred a total of $4,115 in expenses. Now, let’s see which plan would have been better for Her.

$4,115

in total expenses

Wait!

Nicole has been paying for medical coverage from Her paycheck too and contributing to Her HSA in those plans. We'll add that in.

Remember, Nicole incurred $4,115 in total expenses.

In HSA plans, Nicole pays for her care out-of-pocket, while in the Copay PPO, she pays copays.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Nicole
$3,515
$3,515
$1,480
Paycheck deductions
$3,403
$3,489
$5,556
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided contributions
($1,000)
($1,000)
N/A

And the winner is...

The HSA Core is the winner for Nicole!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Nicole
$3,515
$3,515
$1,480
Paycheck deductions
$3,403
$3,489
$5,556
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided contributions
($1,000)
($1,000)
N/A
Nicole
's
 total cost
$6,918
$7,004
$7,036

For more information about the medical plans, review the Benefits Guide. Remember, this is an example, your actual costs may vary.