Meet Maria

Maria is married. She and her husband are in good health and don't use tobacco. They get their annual physicals and use in-network doctors and pharmacies. They have a pretty smooth year.

Let's take a look…

Cost

They both get their physicals.

$125 visit x 2

100% paid by the company!

Maria goes to the doctor once for the flu. The doctor prescribes her two generic medications.

$100 visit x 1
$20 generic x 2

Cost

She goes to urgent care after a fall and gets an X-ray at an outside facility.

$250 visit x 1

$300 X-ray x 1

Maria sees a specialist four times during her recovery and he gives her two generic medications that she fills through mail order (3-month supply).

$140 visit x 4
$85 generic x 2

Maria's total expenses:

Maria has incurred a total of $1,270 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$1,270

in total expenses

Wait!
We also need to remember that Maria has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Maria incurred $1,270 in total expenses from providers and services.

In the HSA plan, Maria 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
 
Maria
$500
$1,110
Paycheck contributions
$7,488
$5,172
Company contributions
N/A
($500)

And the winner is...

The PPO plan is the winner for Maria!

In the HSA plan, Maria 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
 
Maria
$500
$1,110
Paycheck contributions
$7,488
$5,172
Company contributions
N/A
($500)
Maria
's
 total cost
$7,988
$5,532