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 x 2
100% paid by the Company!

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

$20  generic mail order x 2 x 4

After not feeling week for a few weeks, her husband goes to the 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 the 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 been paying for medical coverage from Her paycheck too and contributing to Her HSA in those plans. 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, she pays copays for most of her 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 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 contributions
($1,000)
($1,000)
N/A
Hannah
's
 total cost
$10,335
$10,522
$13,666

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