ODP - WellBalanced Benefits

Meet Alex

Alex is single. He doesn't smoke and gets his annual physical. He uses in-network doctors and pharmacies. Alex has a pretty smooth year.

Let's take a look…

Cost

He gets his free annual physical.

$125 visit x 1

100% paid by the company!

Alex goes to the doctor once for strep. The doctor prescribes him two generic medications that he fills at the pharmacy.

$125 visit x 1

$25 generic x 2

He goes to urgent care after a sports injury and gets an X-ray at an outside facility.

$250 visit x 1

$300 X-ray x 1

Alex sees a specialist twice during his recovery from his injury.

$200 visit x 2

Alex's total expenses

Alex has incurred a total of $1,250 in expenses from providers and services. Now, let's see which plan would have been better for Him!

$1,250

in total expenses

Wait!

We also need to remember that Alex has been paying for medical coverage from His paycheck too and contributing to her HSA in those plans. We'll add that in.

Remember, Alex incurred $1,250 in total expenses from providers and services.

In the HSA plans, Alex pays for his care out-of-pocket, while in the PPO plan, he pays copays for most of his care.

HSA Basic

HSA Plus

PPO

Costs paid by Alex

$1,125

$520

Paycheck contributions

$120

$240

$3,480

Alex's HSA contributions

$250

$500

N/A

Company HSA contributions

($250)

($500)

N/A

And the winner is...

The HSA Basic is the winner for Alex!