ODP - WellBalanced Benefits

Meet Maria

Maria is married. She and her husband are in good health and don't use tobacco products. 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.

$125 visit x 1

$25 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 the specialist gives her two generic medications that she fills through mail order.

$200 visit x 4

$70 generic mail order x 2

Maria's total expenses

Maria has incurred a total of $1,915 in expenses from providers and services. Now, let's see which plan would have been better for Her!

$1,915

in total expenses

Wait!

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

Remember, Maria incurred $1,915 in total expenses from providers and services.

In the HSA plans, Maria pays out-of-pocket for her care, while in the PPO plan, she pays copays for most of her care.

HSA Basic

HSA Plus

PPO

Costs paid by Maria

$1,665

$690

Paycheck contributions

$1,350

$2,280

$5,700

Maria's HSA contributions

$500

$1,000

N/A

Company HSA contributions

($500)

($1,000)

N/A

And the winner is...

The HSA Basic is the winner for Maria!