ETP - ETBenefits.com (2023)

Alex

Alex is single, in good health and doesn’t use tobacco. Alex has really tough year. He has a minor sports injury early in the year then is in a major auto accident.

Let’s take a look..

He gets his free annual wellness exam.

$250
100% paid by Energy Transfer!

After his sports injury, Alex visits the ER and has an X-ray.

$800 visit
$500 X-ray

He has outpatient surgery as a result of his injury.

$6,000 procedure

As a result of the auto accident, Alex has surgery and spends several days in the hospital recovering.

$22,000 surgery & hospitalization

Alex has two MRIs, an X-ray and sees a physical therapist twelve times during recover from surgery.

$500 X-ray
$1,100 MRI x 2
$90 visit x 12

Throughout the year, Alex goes to the doctor six times and see a specialist ten times.

$80 visit x 6
$110 visit x 10

He also fills eight generic prescriptions at the pharmacy and one generic through mail order.

$30 generic X 8
$50 generic

Alex's total expenses:

Alex has incurred a total of $35,200 in expenses. Now, let’s see which plan would have been better for Him!

$35,200

in total expenses.

Wait!

We also need to remember that Alex has been paying for medical coverage from His paycheck. We'll add that in too!

Remember, Alex incurred $35,200 in total expenses.

In the CDHP Alex pays up to the out-of-pocket max, then the Partnership pays 100%.

In the PPO, he pays some through copays and coinsurance up to the maximum out-of-pocket.

Alex could have saved several thousand dollars by using SurgeryPlus to schedule His surgery!

CDHP

PPO

Costs paid by

Alex

$4,500

$4,000

Alex

's paycheck deductions

$721

$1,741

Partnership-provided Contributions

($1,000)

($1,500)

($2,000)

N/A

And the winner is...

The CDHP plan is the winner for Alex!

CDHP

PPO

Costs paid by

Alex

$4,500

$4,000

Alex

's paycheck deductions

$721

$1,741

Partnership-provided Contributions

($1,000)

($1,500)

($2,000)

N/A

Alex's Total Cost

$4,221

$5,741

To see a more detailed calculation of Alex's care, click here.