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Matt is single, in good health and doesn’t use tobacco.
Matt has a pretty smooth year.
Let’s take a look...
In the CDHP Matt pays all of the cost out-of-pocket. In the PPO, he pays some through copays.
CDHP | PPO | |
---|---|---|
Costs paid by Matt | $1,110 | $665 |
Matt's paycheck deductions | $680 | $1,582 |
Partnership-provided HSA contribution | -$1,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Matt | $1,110 | $665 |
Matt's paycheck deductions | $680 | $1,582 |
Partnership-provided HSA contribution | -$1,000 | N/A |
Matt's Total Cost | $790 | $2,247 |
Juanita is married, but her husband has coverage with his employer.
She doesn’t use tobacco.
Juanita is typically in good health, but she’s had a bit of a bumpy year.
Let’s take a look...
In the CDHP, Juanita pays up to the out-of-pocket max. After that the Partnership pays 100%.
In the PPO, she pays some through copays and some through coinsurance until she meets her out-of-pocket max.
CDHP | PPO | |
---|---|---|
Costs paid by Juanita | $3,750 | $3,500 |
Juanita's paycheck deductions | $680 | $1,582 |
Partnership-provided HSA contribution | -$1,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Juanita | $3,750 | $3,500 |
Juanita's paycheck deductions | $680 | $1,582 |
Partnership-provided HSA contribution | -$1,000 | N/A |
Juanita's Total Cost | $3,430 | $5,082 |
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..
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 $3,500 maximum out-of-pocket.
CDHP | PPO | |
---|---|---|
Costs paid by Alex | $3,750 | $3,500 |
Alex's paycheck deductions | $680 | $1,582 |
Partnership-provided HSA contribution | -$1,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Alex | $3,750 | $3,500 |
Alex's paycheck deductions | $680 | $1,582 |
Partnership-provided HSA contribution | -$1,000 | N/A |
Alex's Total Cost | $3,430 | $5,082 |
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...
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.
CDHP | PPO | |
---|---|---|
Costs paid by Carl | $1,210 | $685 |
Carl's paycheck deductions | $1,156 | $3,165 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Carl | $1,210 | $685 |
Carl's paycheck deductions | $1,156 | $3,165 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Carl's Total Cost | $1,156 | $3,850 |
Doug is married. He and his wife don’t use tobacco.
Doug’s wife has Type 1 diabetes. She controls it with insulin but has some complications this year.
Let’s take a look...
In the CDHP, Doug pays up to the out-of-pocket max. After that the Company pays 100%.
In the PPO, he doesn’t reach the out-of-pocket max. He pays some copays, his deductible and still continues to pay coinsurance
CDHP | PPO | |
---|---|---|
Costs paid by Doug | $4,610 | $4,010 |
Doug's paycheck deductions | $1,156 | $3,165 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Doug | $4,610 | $4,010 |
Doug's paycheck deductions | $1,156 | $3,165 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Doug's Total Cost | $3,766 | $7,175 |
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...
Because Lisa has a large claim, the individual deductible and max out-of-pocket will apply to her care.
CDHP | PPO | |
---|---|---|
Costs paid by Lisa | $4,030 | $3,565 |
Lisa's paycheck deductions | $1,156 | $3,165 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Lisa | $4,030 | $3,565 |
Lisa's paycheck deductions | $1,156 | $3,165 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Lisa's Total Cost | $3,186 | $6,730 |
Robert is married with one kid and his wife has medical coverage with her employer.
He and his son are in fairly good health and he doesn’t use tobacco.
Robert has a pretty smooth year.
Let’s take a look...
In the CDHP Robert pays out-of-pocket for everything but the cost of the free wellness exam.
In the PPO, he pays some through copays.
CDHP | PPO | |
---|---|---|
Costs paid by Robert | $1,740 | $1,180 |
Robert's paycheck deductions | $1,027 | $2,848 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Robert | $1,740 | $1,180 |
Robert's paycheck deductions | $1,027 | $2,848 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Robert's Total Cost | $767 | $4,028 |
Rebecca is married and has two kids. Her husband has medical coverage through his employer. Rebecca doesn’t use tobacco.
Rebecca and her kids are in good health but they have a rocky year.
Let’s take a look...
In the CDHP, Rebecca pays up to the out-of-pocket max. After that the Company pays 100%.
In the PPO, she doesn’t reach the out-of-pocket max. She pays some copays, her deductible and still continues to pay coinsurance.
CDHP | PPO | |
---|---|---|
Costs paid by Rebecca | $7,500 | $3,920 |
Rebecca's paycheck deductions | $1,027 | $2,848 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Rebecca | $7,500 | $3,920 |
Rebecca's paycheck deductions | $1,027 | $2,848 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Rebecca's Total Cost | $6,527 | $6,768 |
She is divorced and has a daughter. She doesn’t use tobacco.
Melissa’s daughter is in good health but she has serious complications with an ongoing health condition.
Let’s take a look...
In the CDHP Melissa pays up to the out-of-pocket max. Then the Company pays 100%.
In the PPO, she pays some through copays and coinsurance up to the $6,000 maximum out-of-pocket.
CDHP | PPO | |
---|---|---|
Costs paid by Melissa | $7,500 | $7,500 |
Melissa's paycheck deductions | $1,027 | $2,848 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Melissa | $7,500 | $7,500 |
Melissa's paycheck deductions | $1,027 | $2,848 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Melissa's Total Cost | $6,527 | $10,348 |
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...
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.
CDHP | PPO | |
---|---|---|
Costs paid by Chris | $3,500 | $2,425 |
Chris's paycheck deductions | $1,862 | $4,472 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Chris | $3,500 | $2,425 |
Chris's paycheck deductions | $1,862 | $4,472 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Chris's Total Cost | $3,362 | $6,897 |
Linda is married and has three active kids. The family is healthy and Linda and her husband don’t use tobacco.
This is a bumpy year for the family. All three of the kids have serious sports injuries.
Let’s take a look...
In the CDHP, Linda pays up to the out-of-pocket max. After that the Company pays 100%.
In the PPO, she doesn’t reach the out-of-pocket max. She pays some copays, her deductible and still continues to pay coinsurance.
CDHP | PPO | |
---|---|---|
Costs paid by Linda | $7,500 | $6,576 |
Linda's paycheck deductions | $1,862 | $4,472 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Linda | $7,500 | $6,576 |
Linda's paycheck deductions | $1,862 | $4,472 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Linda's Total Cost | $7,362 | $11,048 |
She is married with two young kids and one on the way. The family is generally in good health and she and her husband don’t use tobacco. Ellen has serious complications at the end of her pregnancy and the baby has surgery before being released.
Let’s take a look...
In the CDHP Ellen pays up to the out-of-pocket max. Then The Company pays 100%.
In the PPO, she pays some through copays and coinsurance up to the $7,500 maximum out-of-pocket.
CDHP | PPO | |
---|---|---|
Costs paid by Ellen | $7,500 | $7,500 |
Ellen's paycheck deductions | $1,862 | $4,472 |
Partnership-provided HSA contribution | -$2,000 | N/A |
CDHP | PPO | |
---|---|---|
Costs paid by Ellen | $7,500 | $7,500 |
Ellen's paycheck deductions | $1,862 | $4,472 |
Partnership-provided HSA contribution | -$2,000 | N/A |
Ellen's Total Cost | $7,362 | $11,972 |