Meet Rosa

Rosa and her family get their annual physicals, and she doesn't use tobacco products. They use in-network doctors and pharmacies. But this is a tough year due to serious health conditions and a sports injury.

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!

All the kids get sick a few times. Each time they receive several generic prescriptions to help them get better.

$100 visit x 6
$20 generic x 15

Rosa sees a specialist every month for an ongoing condition. She also fills one generic and one preferred brand prescription by mail order (3-month supply) to help her manage it. She refills both prescriptions three times.

$140 visit x 12
$85 generic mail order x 4
$340 preferred brand mail order x 4

Cost

Rosa's daughter is rushed to the ER and diagnosed with a serious condition. She's admitted to the hospital for two days of monitoring.

$2,500 visit x 1

$3,000 hospital stay x 2 days

Her daughter is getting worse, so her specialist schedules her for surgery.

$20,000 surgery

Rosa's son is injured playing sports and needs several physical therapy visits to recover.

$80 visits x 8

Rosa gets sick and goes to the ER. She is prescribed a generic prescription to recover. She fills it at the pharmacy twice.

$20 generic x 2

Rosa's total expenses:

Rosa has incurred a total of $37,875 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$37,875

in total expenses

Wait!
We also need to remember that Rosa has been paying for medical coverage from Her paycheck too. We'll add that in.
Remember, Rosa incurred $37,875 in total expenses from providers and services.

In the HSA plan, Rosa 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
 
Rosa
Paycheck contributions
Company contributions
N/A
($500)

And the winner is...

The plan is the winner for Rosa!

In the HSA plan, Rosa 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
 
Rosa
Paycheck contributions
Company contributions
N/A
($500)
Rosa
's
 total cost