Chris

Chris is married with with three kids. His family is in good health and he and his wife don’t use tobacco. Chris and his family have a pretty smooth year.

Let’s take a look...

The family all get their wellness exams and the kids get their immunizations.

$1,250
100% paid by Energy Transfer!

Chris and his wife go to the doctor when they get the flu. They take the kids to the doctor a few times during the year for ear and sinus infections.

$80 visit x 8

They also take several medications that they fill at the pharmacy and two more that they fill through mail order.

$30 visit x 6
$50 generic x 2

Chris goes to the doctor and has an MRI after he re-injures his knee playing with the kids.

$80 visit
$1,110 MRI

His son is diagnosed with allergies and goes to the specialist several times.

$110 visit x 5

He also goes through one round of allergy testing and has regular allergy shots.

$525 testing
$35 shots x 9

Chris's total expenses:

Chris has incurred a total of $4,750 in expenses. Now, let’s see which plan would have been better for Him!

$4,750
in total expenses.
Wait!

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

Remember, Chris incurred $4,750 in total expenses.

In the CDHP Chris pays out-of-pocket for everything but the cost of the free physical.

In the PPO, he pays some through copays.

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

CDHP
PPO
Costs paid by
 
Chris
$3,500
$2,445
Chris
's paycheck deductions
 
$2,072
$5,165
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
And the winner is...

The CDHP plan is the winner for Chris!

CDHP
CDHP
PPO
PPO
Costs paid by
 
Chris
$3,500
$2,445
Chris
's paycheck deductions
 
$2,072
$5,165
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
Chris's Total Cost
$3,572
$3,572
$7,610
$7,610

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