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 x 2
100% paid by the Company!

Maria goes to the doctor once for the flu. The doctor prescribes her two generic medications.

$150 visit x 1
$25 generic x 2

Cost

She goes to an urgent care clinic 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
$20 generic x 2

Maria's total expenses

Maria has incurred a total of $1,865 in expenses. Now, let’s see which plan would have been better for Her.

$1,865

in total expenses

Wait!

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

Remember, Maria incurred $1,865 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 his care.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Maria
$1,665
$1,665
$1,060
Paycheck deductions
$6,778
$8,441
$10,973
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided contributions
($1,000)
($1,000)
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
$6,778
$8,441
$10,973
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided contributions
($1,000)
($1,000)
N/A
Maria
's
 total cost
$8,443
$10,106
$12,033

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