Meet Maria

Maria is married. She and her husband are in good health and don’t use tobacco products. They get their annual physicals and use in-network doctors and pharmacies. They have a pretty smooth year.

Let’s take a look…

Cost

They both get their physicals.

$150 visit x 2
100% paid by the Company!

Maria goes to the doctor once for the flu. The doctor prescribes her two generic medications. She fills them at the pharmacy.

$150 visit x 1
$25 generic x 2

Cost

She goes to urgent care after a fall and gets an X-ray at an outside facility.

$200 visit x 1
$125 X-ray x 1

Maria sees a specialist four times during her recovery and he gives her two generic medications that she fills through mail order.

$250 visit x 4
$70 generic mail order x 2

Maria’s total expenses

Maria has incurred a total of $1,965 in expenses. Now, let’s see which plan would have been better for Her.

$1,965

in total expenses

Wait!

Maria has also been paying for medical coverage from Her paycheck and the Company contributed to Her HSA. We’ll add that in.

Remember, Maria incurred $1,965 in total expenses.

In the HSA plans, Maria pays out-of-pocket for her care, while in the Copay PPO plan, she pays copays for most of her care.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Maria
$1,665
$1,665
$1,060
Paycheck deductions
$3,854
$5,016
$7,524
Company-provided HSA contributions
($500)
($500)
N/A

And the winner is...

The HSA Core is the winner for Maria!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Maria
$1,665
$1,665
$1,060
Paycheck deductions
$3,854
$5,016
$7,524
Company-provided HSA contributions
($500)
($500)
N/A
Maria
’s
 total cost
$5,019
$6,181
$8,584

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