Meet Hannah

Hannah is married. She and her husband don't smoke and they get their annual physicals. They use in-network doctors and pharmacies. Her husband is diagnosed with a health condition.

Let's take a look…

Cost

They both get their physicals.

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

Hannah and her husband take a generic allergy medication year-round. They fill their prescriptions through mail order (3-month supply).

$70 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.

$125 visit x 1
$75 labs x 1

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

$25  generic x 1
$275 brand-name 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.

$125  visit x 1
$25 generic x 2

Her illness worsens over the weekend, so she goes to the urgent care. She's prescribed two new generic medications that she fills at the pharmacy.

$250 visit x 1
$25 generic x 2

‍

His condition worsens and his doctor hospitalizes him for two days.

$6,000 hospital stay

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

$70 generic mail order x 2 x 2

Hannah's total expenses:

Hannah has incurred a total of $8,315 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$8,315

in total expenses

Wait!
We also need to remember that Hannah has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Hannah incurred $8,315 in total expenses from providers and services.

In the HSA plan, Hannah 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
 
Hannah
$1,925
$4,272
$5,728
Paycheck contributions
$9,434
$4,807
$2,615
Company contributions
$0
($1,000)
($1,000)

And the winner is...

The Bronze plan is the winner for Hannah!

In the HSA plan, Hannah 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
 
Hannah
$1,925
$4,272
$5,728
Paycheck contributions
$9,434
$4,807
$2,615
Company contributions
$0
($1,000)
($1,000)
Hannah
's
 total cost
$11,359
$8,079
$7,343
To see a more detailed breakdown of Hannah's care, click here. Remember, this is an example, your costs may vary.