Meet Nicole

Nicole's family is usually in good health. She doesn't smoke, and they get their annual physicals. They use in-network doctors and pharmacies. They have a pretty smooth year.

Let's take a look…

Cost

All of the family members get their physicals and the kids get their immunizations.

$125 visit x 4

100% paid by the company!

A few of them go to the doctor for the flu. The kids also go to the doctor a few times for sinus infections and a few rashes that won't go away. Each trip includes a few generic prescriptions.

$100 visit x 8
$20 generic x 10

Cost

Nicole has a condition that's managed through medication, but it requires an expensive brand-name drug to manage it. She fills her prescription through mail order (3-month supply).

$340 non-preferred prescription x 4

One of the kids has allergies and begins taking a generic medication. Nicole fills it once at the pharmacy then switches to mail order (3-month supply) for the rest of the year.

$20 generic x 1
$85 generic x 2

Nicole's total expenses:

Nicole has incurred a total of $2,870 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$2,870

in total expenses

Wait!
We also need to remember that Nicole has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Nicole incurred $2,870 in total expenses from providers and services.

In the HSA plan, Nicole 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
 
Nicole
$944
$2,550
Paycheck contributions
$5,148
$3,432
Company contributions
N/A
($500)

And the winner is...

The HSA plan is the winner for Nicole!

In the HSA plan, Nicole 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
 
Nicole
$944
$2,550
Paycheck contributions
$5,148
$3,432
Company contributions
N/A
($500)
Nicole
's
 total cost
$6,092
$5,232