Meet Nicole

Nicole's family is usually in good health. She doesn't smoke, and they get their annual physicals. They use in-network doctors and pharmacies. They have a pretty smooth year.

Let's take a look…

Cost

All of the family members get their physicals and the kids get their immunizations.

$125 x 4 = $500
100% paid by the Company!

A few of them go to the doctor for the flu. The kids also go to the doctor a few times for sinus infections and a few rashes that won't go away. Each trip includes a few generic prescriptions.

$125 visit x 8
$25 generic x 10

Cost

Nicole has a condition that's managed through medication, but it requires an expensive brand-name drug to manage it. She fills her prescription through mail order.

$375 non-preferred prescription x 4

One of the kids has allergies and begins taking a generic medication. Nicole fills it once at the pharmacy then switches to mail order for the rest of the year.

$25 generic x 1
$70 generic x 2

Nicole's total expenses:

Nicole has incurred a total of $3,415 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$3,415

in total expenses

Wait!
We also need to remember that Nicole has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Nicole incurred $3,415 in total expenses from providers and services.

In the HSA plan, Nicole 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
 
Nicole
$770
$2,915
$2,915
Paycheck contributions
$7,086
$3,690
$2,227
Company contributions
$0
($1,000)
($1,000)

And the winner is...

The Bronze plan is the winner for Nicole!

In the HSA plan, Nicole 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
 
Nicole
$770
$2,915
$2,915
Paycheck contributions
$7,086
$3,690
$2,227
Company contributions
$0
($1,000)
($1,000)
Nicole
's
 total cost
$7,856
$5,605
$4,142
To see a more detailed breakdown of Nicole's care, click here. Remember, this is an example, your costs may vary.