ETP - ETBenefits.com (2023)

Lisa

Lisa is married. She and her husband don’t use tobacco. Lisa’s hip has been bothering her for years. Her pain becomes unbearable and she has her hip replaced.

Let’s take a look...

They get their free annual wellness exams.

$500
100% paid by Energy Transfer!

Lisa’s husband visits his doctor to renew his generic allergy prescription for the year. He uses the mail order service to fill it.

$80 visit
$50 generic x 4

Lisa visits her doctor three times for her hip pain. Her doctor prescribes a generic pain medication that she fills at the pharmacy and sends her to a specialist.

$80 visit x 3
$30 generic

Lisa sees the specialist four times. He prescribes her a different generic medication that she fills at the pharmacy. He also sends her to three physical therapy sessions.

$110 visit x 4
$30 generic
$90 visit x 3

The physical therapy does not help Lisa’s hip. She has surgery to replace her hip.

$30,000 surgery & hospital stay

During her recovery she sees the specialist six more times and the physical therapist seven more times.

$110 visit X 6
$90 visit x 7

She also has four additional prescriptions that she fills at the pharmacy.

$30 generic x 4

Lisa's total expenses:

Lisa has incurred a total of $32,540 in expenses. Now, let’s see which plan would have been better for Her!

$32,540

in total expenses.

Wait!

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

Remember, Lisa incurred $32,540 in total expenses.

Because Lisa has a large claim, the individual deductible and max out-of-pocket will apply to her care.

Lisa could have saved several thousand dollars by using SurgeryPlus to schedule Her surgery!

CDHP

PPO

Costs paid by

Lisa

$4,780

$4,140

Lisa

's paycheck deductions

$1,225

$3,481

Partnership-provided Contributions

($1,000)

($1,500)

($2,000)

N/A

And the winner is...

The CDHP plan is the winner for Lisa!

CDHP

PPO

Costs paid by

Lisa

$4,780

$4,140

Lisa

's paycheck deductions

$1,225

$3,481

Partnership-provided Contributions

($1,000)

($1,500)

($2,000)

N/A

Lisa's Total Cost

$4,505

$7,621

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