Meet Gabrielle

Gabrielle is married. She and her husband don't smoke and they get their annual physicals. They use in-network doctors and pharmacies. This is a rough year for the couple.

Let's take a look…

Cost

They both get their physicals.

$125 x 2 = $250
100% paid by the Company!

Her husband sees his doctor to renew his generic blood pressure prescription for the year. He uses mail order to fill it.

$125  visit x 1
$70 generic preventive mail order x 4

Gabrielle goes to the doctor three times for knee pain. She fills a generic prescription twice at the pharmacy.

$125 visit x 3
$25 generic x 2

Gabrielle's husband is in a car accident and is taken to the ER.

$2,500 visit

He is sent home from the ER, but a few weeks later, he ends up having surgery due to his injuries.

$20,000 surgery

Cost

Gabrielle's knee continues to bother her, so she goes to see a specialist several times. He prescribes her a generic medication for the pain that she fills at the pharmacy and refills once.

$200  visit x 4
$25 generic x 2

Gabrielle goes to physical therapy for a few months for her knee issue.

$115 visit x 8

Physical therapy doesn’t help, so her doctor schedules her for out-patient surgery.

$8,000

After her surgery, Gabrielle sees the specialist two more times and goes to physical therapy for a few months to recover.

$200 visit x 2
$115 visit x 8

Gabrielle's total expenses:

Gabrielle has incurred a total of $36,670 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$36,670

in total expenses

Wait!
We also need to remember that Gabrielle has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Gabrielle incurred $36,670 in total expenses from providers and services.

In the HSA plan, Gabrielle 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
 
Gabrielle
$6,900
$9,948
$12,730
Paycheck contributions
$9,434
$4,807
$2,615
Company contributions
$0
($1,000)
($1,000)

And the winner is...

The Silver plan is the winner for Gabrielle!

In the HSA plan, Gabrielle 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
 
Gabrielle
$6,900
$9,948
$12,730
Paycheck contributions
$9,434
$4,807
$2,615
Company contributions
$0
($1,000)
($1,000)
Gabrielle
's
 total cost
$16,334
$13,755
$14,345
To see a more detailed breakdown of Gabrielle's care, click here. Remember, this is an example, your costs may vary.