Meet Hannah

Hannah is married. She and her husband don’t use tobacco products and they get their annual physicals. They use in-network doctors and pharmacies. Her husband is diagnosed with a health condition that requires ongoing treatment and medication.

Let’s take a look…

Cost

They both get their physicals.

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

Hannah and her husband take generic medications year-round. They fill their prescriptions through mail order.

$20 generic mail order x 2 x 4

After not feeling well for a few weeks, her husband goes to his primary care doctor. The doctor orders lab work from an outside facility.

$150 visit x 1
$100 labs x 1

He is diagnosed with a health condition and prescribed one generic and two preferred brand medications. He fills them at the pharmacy.

$25 generic x 1
$700 preferred brand x 2

Cost

Hannah gets sick and goes to her primary care doctor. He gives her two generic prescriptions that she fills at the pharmacy.

$150 visit x 1
$25 generic x 2

Her illness worsens over the weekend, so she goes to urgent care. She’s prescribed a new generic medication that she fills at the pharmacy.

$200 visit x 1
$25 generic x 1

Hannah’s husband also takes a turn for the worse. His doctor hospitalizes him for two days to monitor his condition.

$20,000 hospital stay

When he leaves the hospital, his medication is changed to two generic medications that he fills twice through mail order.

$20 generic mail order x 2 x 2

Hannah’s total expenses

Hannah has incurred a total of $22,640 in expenses. Now, let’s see which plan would have been better for Her.

$22,640

in total expenses

Wait!

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

Remember, Hannah incurred $22,640 in total expenses.

In the HSA plans, Hannah pays for her family’s care out-of-pocket until she meets the out-of-pocket maximum. In the Copay PPO plan, she pays copays for most of their care.

HSA Core
HSA Value
Copay PPO
Costs paid by
 
Hannah
$7,505
$5,505
$6,140
Paycheck deductions
$2,830
$5,017
$7,526
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided HSA contributions
($1,000)
($1,000)
N/A

And the winner is...

The HSA Core is the winner for Hannah!
HSA Core
HSA Value
Copay PPO
Costs paid by
 
Hannah
$7,505
$5,505
$6,140
Paycheck deductions
$2,830
$5,017
$7,526
Employee HSA contributions
$1,000
$1,000
N/A
Company-provided HSA contributions
($1,000)
($1,000)
N/A
Hannah
’s
 total cost
$10,335
$10,522
$13,666

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