Meet Nathan

Nathan has three children. He doesn't use tobacco products. He and his kids get their annual physicalsand they use in-network doctors and pharmacies for their care. This is a bumpy year filled with ongoing health conditions, injuries, and medications.

Let's take a look…

Cost

They all get their physicals and the kids get their immunizations.

$150 x 4
100% paid by the Company!

Nathan sees a specialist twice for an ongoing condition. He receives a new preferred brand prescription to help him better manage it. He refills it three times via mail order.

$250 visit x 2
$700 preferred brand x 1
$500 preferred brand mail order x 3

Nathan takes his daughter to doctor to renew her allergy medication and he uses mail order to fill the prescription.

$150 visit x 1
$20 generic mail order x 1

Cost

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

$150 visit x 6
$25 generic x 12

This is the year of the sports injury at Nathan's house. They rack up three trips to the urgent care and get three X-rays at outside facilities.

$200  visit x 3
$125 X-ray x 3

Nathan's son needs surgery to repair a badly injured knee. He is given three generic medications during his recovery.

$12,500 surgery
$25 generic x 3

His son also has to do physical therapy for a few months after the surgery.

$150 visits x 6

Nathan's total expenses

Nathan has incurred a total of $19,120 in expenses. Now, let’s see which plan would have been better for Him.

$19,120

in total expenses

Wait!

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

Remember, Nathan incurred $19,120 in total expenses.

In the HSA plans, Nathan meets the deductible, then pays coinsurance for his care. In the Copay PPO, he pays copays for most of his care.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Nathan
$6,020
$5,984
$5,580
Paycheck deductions
$1,393
$2,325
$3,810
Company-provided contributions
($500)
($500)
N/A

And the winner is...

The HSA Core is the winner for Nathan!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Nathan
$6,020
$5,984
$5,580
Paycheck deductions
$1,393
$2,325
$3,810
Employee HSA contributions
$0
$0
N/A
Company-provided contributions
($500)
($500)
N/A
Nathan
's
 total cost
$6,913
$7,809
$9,390

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