Carl

Carl is married. He and his wife are in good health and don’t use tobacco. Carl has a pretty smooth year.

Let’s take a look...

They get their free annual wellness exams.

$500
100% paid by Energy Transfer!

Carl goes to the doctor once for the flu.

$80 visit

The doctor prescribes Carl two generic medications that he fills at the pharmacy.

$30 generic x 2

He goes to an urgent care clinic after a sports injury and gets an X-ray.

$250 visit
$500 X-ray

Carl sees a specialist during his recovery.

$110 visit

The doctor prescribes his wife two generic medications that she fills though mail order.

$50 generic x 2

Carl's total expenses:

Carl has incurred a total of $1,710 in expenses. Now, let’s see which plan would have been better for Him!

$1,710
in total expenses.
Wait!

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

Remember, Carl incurred $1,710 in total expenses.

In the CDHP Carl pays out-of-pocket for everything but the cost of the free physicals. In the PPO, he pays some through copays.

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

Carl will have $330 remaining in his HSA to carry over to the following year!

CDHP
PPO
Costs paid by
 
Carl
$1,100
$657
Carl
's paycheck deductions
 
$1,286
$3,655
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
And the winner is...

The CDHP plan is the winner for Carl!

CDHP
CDHP
PPO
PPO
Costs paid by
 
Carl
$1,100
$657
Carl
's paycheck deductions
 
$1,286
$3,655
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
Carl's Total Cost
$886
$886
$4,312
$4,312

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