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 visit 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. She fills them at the pharmacy.

$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 mail order 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 mail order 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 also been paying for medical coverage from Her paycheck and contributing to Her HSA. We’ll add that in.

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

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

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Nicole
$3,515
$3,515
$1,480
Paycheck deductions
$2,202
$3,264
$4,566
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided HSA 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
$2,202
$3,264
$4,566
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided HSA contributions
($1,000)
($1,000)
N/A
Nicole
’s
 total cost
$5,717
$6,779
$6,046

For more information about the LSC Medical Plans, review the Benefits eGuide. Remember, this is an example and your actual costs may vary.