Meet Alex

Alex is single. He doesn't use tobacco products and gets his annual physical. He uses in-network doctors and pharmacies. Alex has a pretty smooth year.

Let's take a look…

Cost

He gets his free annual physical.

$150 visit x 1
100% paid by the company!

Alex goes to the doctor once for strep. The doctor prescribes him two generic medications that he fills at the pharmacy.

$150 visit x 1
$25 generic x 2

He goes to an urgent care clinic after a sports injury and gets an X-ray at an outside facility.

$200 visit x 1
$220 X-ray x 1

Alex sees a specialist twice during his recovery from his injury.

$250 visit x 2

Alex's total expenses

Alex has incurred a total of $1,175 in expenses. Now, let’s see which plan would have been better for Him.

$1,175

in total expenses

Wait!

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

Remember, Alex incurred $1,175 in total expenses.

In the HSA plans, Alex pays for his care out-of-pocket, while in the Copay PPO plan, he pays copays for most of his care.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Alex
$1,025
$1,025
$660
Paycheck deductions
$1,465
$1,730
$2,917
Employee HSA contributions
$500
$500
N/A
Company-provided contributions
($500)
($500)
N/A

And the winner is...

The HSA Core is the winner for Alex!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Alex
$1,025
$1,025
$660
Paycheck deductions
$1,465
$1,730
$2,917
Employee HSA contributions
$500
$500
N/A
Company-provided contributions
($500)
($500)
N/A
Alex
's
 total cost
$2,490
$2,755
$3,577

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