Meet Anna

Anna is single. She doesn’t use tobacco products and gets her annual physical. She uses in-network doctors and pharmacies, but she’s had a bit of a bumpy year.

Let’s take a look…

Cost

She gets her free annual physical.

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

She starts having trouble with a condition that hasn’t bothered her in years. She goes to her primary care doctor four times.

$150 visit x 4

Her doctor prescribes several generic medications that she fills at the pharmacy.

$25 generic x 3

Her condition worsens and she starts having chest pains. She goes to the ER.

$2,000 visit

Cost

She sees a specialist four times and he sends her to get a round of tests and prescribes a couple of generic medications that Anna fills through mail order.

$250 visit x 4
$100 labs
$20 generic mail order x 2

The specialist decides Anna needs to have surgery. The surgery is performed at an outpatient facility.

$4,500 surgery

She sees a physical therapist six times to recover from her surgery.

$150 visit x 6

Anna’s total expenses

Anna has incurred a total of $9,365 in expenses. Now, let’s see which plan would have been better for Her.

$9,365

in total expenses

Wait!

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

Remember, Anna incurred $9,365 in total expenses.

Anna pays out of her pocket until she meets the deductible in the HSA plans. In the Copay PPO plan, she pays copays for most of her care.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Anna
$7,000
$3,875
$4,960
Paycheck deductions
$1,465
$1,730
$2,917
Employee HSA contributions
$500
$500
N/A
Company-provided HSA contributions
($500)
($500)
N/A

And the winner is...

The HSA Value is the winner for Anna!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Anna
$7,000
$3,875
$4,960
Paycheck deductions
$1,465
$1,730
$2,917
Employee HSA contributions
$500
$500
N/A
Company-provided HSA contributions
($500)
($500)
N/A
Anna
’s
 total cost
$8,465
$5,605
$7,607

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