Anna

Anna is single. She doesn't smoke and gets her annual physical. She uses in-network doctors and Preferred Medical and Wellness Providers when possible, but she's had a bit of a bumpy year.

Let's take a look…

Provider Billed Cost
She gets her free annual physical

$80
100% paid by the company!

She starts having trouble with a condition that hasn't bothered her in years. She goes to her primary care doctor four times.

$100 visit x 4

Her doctor prescribes several generic 30-day medications.

$20 generic 30-day x 3

Provider Billed Cost
Her condition worsens and she goes to the ER.

$2,000 visit

She sees a specialist two times. He sends her to get a round of tests and prescribes a couple of generic 90-day medications.

$140 visit x 4
$100 labs
$85 generic 90-day x 2

The specialist decides Anna needs to have surgery.

$5,000 out patient

Anna's total expenses:

Anna has incurred a total of $8,330 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$8,330
in total expenses.
back_hand
Wait! We also need to remember that Anna has been paying for medical coverage from Her paycheck too. We'll add that in.

Remember, Anna incurred $8,330 in total expenses from providers and services.

Because the choice of funding account impacts the cost of care in the Whole Health plan, both the PWA and HSA options are shown here.

National Select (PWA)
National Choice (PWA or HSA)
Whole Health Plan (HSA)
Whole Health Plan (PWA)
Costs paid by
 
Anna
$3,325
$4,463
$3,312
$3,203
Paycheck
 
contributions
$1,378
$650
$650
$650
WFM PWA/HSA contributions
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
And the winner is...

Depending on which plans Anna is eligible for, the National Choice and Whole Health Plans with the PWA are the winners!

National Select (PWA)
National Select (PWA)
National Choice (PWA or HSA)
National Choice (PWA or HSA)
Whole Health Plan (HSA)
Whole Health Plan (HSA)
Whole Health Plan (PWA)
Whole Health Plan (PWA)
Costs paid by
 
Anna
$3,325
$4,463
$3,312
$3,203
Paycheck
 
contributions
$1,378
$650
$650
$650
WFM PWA/HSA contributions
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
Total Costs
 
 
$4,203
$4,203
$4,113
$4,113
$2,962
$2,962
$2,853
$2,853

If Anna elects the National Choice or the Whole Health plan and pairs either plan with the HSA, she could also benefit from making pre-tax contributions to her HSA to use now or in the future.

Click here to view a detailed breakdown of the costs in each of the plans.

Anna

Anna es soltera. No fuma y se hace el chequeo médico anual. Acude a médicos, farmacias y proveedores médicos y de bienestar preferentes dentro de la red siempre que es posible.

Ha tenido un año un poco agitado. Echemos un vistazo…

Provider Billed Cost
Le hacen el chequeo médico anual gratuito.

$80 x 1 = $80
¡La empresa paga el 100 %!

Empieza a tener problemas con una afección que no le molestaba desde hacía años. Acude cuatro veces a su médico de atención primaria.

$100, consulta x 4

El médico le receta varios medicamentos genéricos para 30 días.

$20, genéricos para 30 días x 3

Provider Billed Cost
Su afección empeora y acude a la sala de emergencias.

$2,000, consulta

Acude a un especialista dos veces. Le indica hacerse una serie de pruebas y le receta un par de medicamentos genéricos para 90 días.

$140, consulta x 2
$100, análisis de laboratorio
$85, genéricos para 90 días x 2

El especialista decide que Anna debe operarse.

$5,000, cirugía ambulatoria

Anna's total expenses:

Anna ha incurrido en un total de $8,330 en gastos de proveedores y servicios. Veamos ahora qué plan hubiese sido mejor para Anna.

$8,330
en gastos totales
back_hand
¡Un momento! También debemos recordar que Anna ha estado pagando la cobertura médica con su salario. Agregaremos eso.

Remember, Anna incurred $8,330 in total expenses from providers and services.

Dado que la elección de la cuenta de financiamiento repercute en el costo de la atención en el Whole Health Plan, aquí se muestran tanto la opción de la PWA como la HSA.

National Select (PWA)
National Choice (PWA o HSA)
Whole Health Plan (HSA)
Whole Health Plan (PWA)
Costos a cargo de
 
Anna
$3,325
$4,463
$3,312
$3,203
Tarifas de Contribución
 
 
$1,378
$650
$650
$650
Contribuciones de WFM a la PWA/HSA
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
Y el indicado es…

En función de los planes a los que puede acceder Anna, ¡el National Choice Plan o el Whole Health Plan con la PWA son los indicados!

National Select (PWA)
National Select (PWA)
National Choice (PWA o HSA)
National Choice (PWA o HSA)
Whole Health Plan (HSA)
Whole Health Plan (HSA)
Whole Health Plan (PWA)
Whole Health Plan (PWA)
Costos a cargo de
 
Anna
$3,325
$4,463
$3,312
$3,203
Tarifas de Contribución
 
 
$1,378
$650
$650
$650
Contribuciones de WFM a la PWA/HSA
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
Costo anual total
 
 
$4,203
$4,203
$4,113
$4,113
$2,962
$2,962
$2,853
$2,853

Si Anna elige el plan National Choice o Whole Health y combina cualquiera de los planes con la HSA, también podría beneficiarse al hacer contribuciones antes de impuestos a su HSA para usar ahora o en el futuro.

Haga clic aquí para obtener un desglose detallado de los costos en cada uno de los planes.