Meet Anna

Anna is single. She doesn't smoke 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

$125 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.

$125 visit x 4

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

$25 generic x 3

Her condition worsens and she goes to the ER

$2,500 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 (3-month supply).

$200 visit x 4
$75 labs
$70 generic mail order x 2

The specialist decides Anna needs to have surgery.

$7,000 out patient

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

$115 visit x 6

Anna's total expenses:

Anna has incurred a total of $11,950 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$11,950

in total expenses

Wait!
We also need to remember that Anna has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Anna incurred $11,950 in total expenses from providers and services.

In the HSA plan, Anna pays for Her care out-of-pocket, while in the PPO plan, She pays copays for most of Her care.

Gold
Silver
Bronze
Costs paid by
 
Anna
$2,793
$3,822
$6,684
Paycheck contributions
$2,207
$653
$0
Company contributions
$0
($500)
($500)

And the winner is...

The Silver plan is the winner for Anna!

In the HSA plan, Anna pays for Her care out-of-pocket, while in the PPO plan, She pays copays for most of Her care.

Gold
Silver
Bronze
Costs paid by
 
Anna
$2,793
$3,822
$6,684
Paycheck contributions
$2,207
$653
$0
Company contributions
$0
($500)
($500)
Anna
's
 total cost
$5,000
$3,975
$6,184
To see a more detailed breakdown of Anna's care, click here. Remember, this is an example, your costs may vary.