Meet Bill

Bill is single. He doesn't use tobacco products and gets his annual physical. He uses in-network doctors and pharmacies, but he's had a tough year.

Let's take a look…

Cost

He gets his free annual physical.

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

He starts to feel bad and goes to his primary care doctor several times and his doctor gives him several generic medications that he fills at the pharmacy.

$150 visit x 6
$25 generic x 3

His problem gets worse, so he starts to see a specialist every week. During a few of his visits he is sent to an outside facility for lab work.

$250 visit x 6
$100 labs x 3

Cost

His condition gets worse and he goes to the ER twice.

$2,000 visit x 2

He ends up having in-patient surgery and staying in the hospital to treat his condition.

$35,000 surgery and hospital stay

He sees a physical therapist eight times to recover from his surgery and fills two new generic prescriptions through mail order.

$150 visit x 8
$20 generic mail order x 2

Bill's total expenses

Bill has incurred a total of $33,165 in expenses. Now, let’s see which plan would have been better for Him.

$33,165

in total expenses

Wait!

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

Remember, Bill incurred $33,165 in total expenses.

Bill pays up to the out-of-pocket max in all three plans, then the rest of his care is covered at 100%.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Bill
$7,000
$5,000
$6,500
Paycheck deductions
$224
$1,023
$1,653
Employee HSA contributions
$500
$500
N/A
Company-provided contributions
($500)
($500)
N/A

And the winner is...

The HSA Value is the winner for Bill!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Bill
$7,000
$5,000
$6,500
Paycheck deductions
$224
$1,023
$1,653
Employee HSA contributions
$500
$500
N/A
Company-provided contributions
($500)
($500)
N/A
Bill
's
 total cost
$7,224
$6,023
$8,153

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