Meet Rosa

Rosa's and her family get their annual physicals, and she doesn't use tobacco products. They use in-network doctors and pharmacies. But this is a tough year due to serious health conditions and a sports injury. 

Let's take a look…

Cost

Rosa gets her physical and the kids get their immunizations.

$150 x 4
100% paid by the Company!

All the kids get sick a few times. Each time they receive several generic prescriptions to help them get better.

$150 visit x 6
$25 generic x 15

Rosa sees a specialist every month for an ongoing condition. She also fills one generic and one preferred brand prescription by mail order four times to help her manage it.

$250 visit x 12
$20 generic mail order x 4
$500 preferred brand mail order x 4

Cost

Rosa's daughter is rushed to the ER and diagnosed with a serious condition. She's admitted to the hospital for two days of monitoring.

$2,000 visit x 1
$20,000 hospital stay

Her daughter is getting worse so her specialist schedules her for surgery.

$35,000 surgery

Rosa's son is injured playing sports and needs several physical therapy visits to recover.

$150 visit x 8

Rosa gets sick and goes to the ER. She is prescribed a generic prescription to recover. She fills it at the pharmacy twice.

$2,000 visit x 1
$25 generic x 2

Rosa's total expenses

Rosa has incurred a total of $80,080 in expenses. Now, let’s see which plan would have been better for Her.

$80,080

in total expenses

Wait!

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

Remember, Rosa incurred $80,080 in total expenses.

In all three plans, Rosa's family reaches an out-of-pocket maximum, then the plan covers the rest of that care at 100% for the remainder of the year.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Rosa
$14,000
$10,000
$11,170
Paycheck deductions
$3,240
$4,129
$6,516
Company-provided contributions
($500)
($500)
N/A

And the winner is...

The HSA Value is the winner for Rosa!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Rosa
$14,000
$10,000
$11,170
Paycheck deductions
$3,240
$4,129
$6,516
Employee HSA contributions
$0
$0
N/A
Company-provided contributions
($500)
($500)
N/A
Rosa
's
 total cost
$16,740
$13,629
$17,686

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