Meet Patel

Patel and her family get their annual physicals and they don't smoke. They use in-network doctors and pharmacies. This year she and the family get sick several times and turns out to be a bumpy 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!

Patel sees a specialist twice for an ongoing condition. The doctor gives her two generic medications that she fills at the pharmacy twice. They do not work, so he switches her to a preferred brand medication that she fills at the pharmacy.

$200 visit x 2
$25 generic x 2
$275 brand-name x 1

Patel's husband and son are prescribed medications for the year. Patel fills the prescriptions at the pharmacy then switches to mail order.

$25 generic x 4
$70 generic x 6

Cost

Everyone gets sick a few times. Each time they receive multiple generic prescriptions to help them get better.

$125 visit x 10
$25 generic x 22

Patel's condition gives her trouble throughout the year and she has three trips to urgent care and gets three X-rays at outside imaging facilities.

$250 visits x 3
$300 X-ray x 3

Patel's daughter breaks her arm on the playground. The break is serious and requites out-patient surgery. The doctor gives her a generic prescription to manage the pain.

$7,000 surgery
$25 generic x 1

Patel does physical therapy for a few months to help manage her condition.

$115 visits x 6

Patel's total expenses:

Patel has incurred a total of $9,445 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$9,445

in total expenses

Wait!
We also need to remember that Patel has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Patel incurred $9,445 in total expenses from providers and services.

In the HSA plan, Patel 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
 
Patel
$2,903
$4,942
$10,023
Paycheck contributions
$12,303
$5,524
$3,018
Company contributions
$0
($1,000)
($1,000)

And the winner is...

The Silver plan is the winner for Patel!

In the HSA plan, Patel 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
 
Patel
$2,903
$4,942
$10,023
Paycheck contributions
$12,303
$5,524
$3,018
Company contributions
$0
($1,000)
($1,000)
Patel
's
 total cost
$15,206
$9,466
$12,041
To see a more detailed breakdown of Patel's care, click here. Remember, this is an example, your costs may vary.