Meet Hannah

Hannah is married. She and her husband don't smoke and they get their annual physicals. They use in-network doctors and pharmacies. Her husband is diagnosed with a health condition.

Let's take a look…

Cost

They both get their physicals.

$125 visit x 2

100% paid by the company!

Hannah and her husband take generic allergy medications year-round. They fill their prescriptions through mail order (3-month supply).

$85 generic mail order x 2 x 4

After not feeling week for a few weeks, her husband goes to the primary care doctor. The doctor orders lab work from an outside facility.

$100 visit x 1
$50 labs x 1

He is diagnosed with a health condition and prescribed one generic and two name-brand medications. He fills them at the pharmacy.

$20  generic x 1
$275 brand-name x 2

Cost

Hannah gets sick and goes to her primary care doctor. He gives her two generic prescriptions that she fills at the pharmacy.

$100 visit x 1
$20 generic x 2

Her illness worsens over the weekend, so she goes to urgent care. She's prescribed a new generic medication that she fills at the pharmacy.

$250 visit x 1

$25 generic x 1

Hannah's husband also takes a turn for the worse. His doctor hospitalizes him for two days to monitor his condition.

$3,000 hospital stay x 2 days

When he leaves the hospital his medication is changed to two generic medications that he fills twice through mail order (3-month supply).

$85 generic mail order x 2 x 2

Hannah's total expenses:

Hannah has incurred a total of $8,130 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$8,130

in total expenses

Wait!
We also need to remember that Hannah has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Hannah incurred $8,130 in total expenses from providers and services.

In the HSA plan, Hannah pays for Her care out-of-pocket, while in the PPO plan, She pays copays for most of Her care.

PPO
HSA
Costs paid by
 
Hannah
$2,625
$4,641
Paycheck contributions
$7,488
$5,172
Company contributions
N/A
($500)

And the winner is...

The HSA plan is the winner for Hannah!

In the HSA plan, Hannah pays for Her care out-of-pocket, while in the PPO plan, She pays copays for most of Her care.

PPO
HSA
Costs paid by
 
Hannah
$2,625
$4,641
Paycheck contributions
$7,488
$5,172
Company contributions
N/A
($500)
Hannah
's
 total cost
$10,113
$9,063