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Hannah

Hannah is married. She and her husband don't smoke, and they get their annual physicals. They use in-network doctors and Preferred Medical and Wellness Providers when possible. Her husband is diagnosed with a health condition.

Let's take a look…

Provider Billed Cost

They both get their physicals.

$80 x 2 = $160
100% paid by the Company!

Hannah and her husband take a generic allergy medication year-round. They fill their generic 90-day prescriptions through mail order.

$85 generic 90-day x 2 x 4

After not feeling well for a few weeks, her husband goes to his primary care doctor. The doctor orders lab work from an outside facility.

$100 visit x 1
$50 labs x 1

Provider Billed Cost

He is diagnosed with a health condition and prescribed one generic and two name-brand medications. He fills them at the pharmacy.

$20 generic x 1
$275 brand-name 30-day x 2

Hannah gets sick and goes to her primary care doctor. He gives her two generic prescriptions that she fills at the pharmacy.

$100 visit x 1
$20 generic 30-day x 2

Her husband's condition worsens, and his doctor hospitalizes him for two days.

$6,000 hospital stay

When he leaves the hospital, his medication is changed to two generic 90-day medications that he fills twice through mail order.

$85 generic 90-day x 2 x 2

Hannah's total expenses:

Hannah has incurred a total of $7,730 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$7,730

in total expenses.

back_hand

Wait! We also need to remember that Hannah has been paying for medical coverage from Her paycheck too. We'll add that in.

Remember, Hannah incurred $7,730 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)

$2,972

$4,267

$3,410

$3,329

$4,108

$2,288

($500)

($1,000)

($1,500)

($1,000)

($1,500)

($1,000)

($1,500)

And the winner is...

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

National Select (PWA)

National Choice (PWA or HSA)

Whole Health Plan (HSA)

Whole Health Plan (PWA)

$2,972

$4,267

$3,410

$3,329

$4,108

$2,288

($500)

($1,000)

($1,500)

($1,000)

($1,500)

($1,000)

($1,500)

$6,080

$5,055

$4,198

$4,117

If Hannah 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.

Hannah

El plan médico de Hannah cubre al esposo. Ninguno de los dos fuma, y se hacen los chequeos médicos anuales. Acuden a médicos y farmacias dentro de la red. Al esposo le diagnostican un problema de salud.

Echemos un vistazo…

Provider Billed Cost

Ambos se hacen los chequeos médicos.

$80 x 2 = $160
¡La empresa paga el 100 %!

Hannah y el esposo toman un medicamento genérico preventivo durante todo el año. Surten sus recetas de medicamentos genéricos para 90 días por correo.

$85, genéricos para 90 días x 2 x 4

Después de no sentirse bien durante unas semanas, el esposo acude a su médico de atención primaria. El médico indica análisis de laboratorio en un centro externo.

$100, consulta x 1
$50, análisis de laboratorio x 1

Provider Billed Cost

Le diagnostican un problema de salud y le recetan un medicamento genérico para 30 días y dos medicamentos de marca para 30 días.

$20, genéricos x 1
$275, de marca para 30 días x 2

Hannah se enferma y acude a su médico de atención primaria. Le receta dos medicamentos genéricos para 30 días.

$100, consulta x 1
$20, genéricos para 30 días x 2

El estado de su esposo empeora y el médico lo ingresa en el hospital durante dos días.

$6,000, días de hospitalización

Cuando sale del hospital, le cambian la medicación por dos medicamentos genéricos para 90 días que pide dos veces por correo.

$85, genéricos para 90 días x 2 x 2

Hannah's total expenses:

Hannah ha incurrido en un total de $7,730 en gastos de proveedores y servicios. Veamos ahora qué plan hubiese sido mejor para Hannah.

$7,730

en gastos totales

back_hand

¡Un momento! También debemos recordar que Hannah ha estado pagando la cobertura médica con su salario. Agregaremos eso.

Remember, Hannah incurred $7,730 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)

$2,972

$4,267

$3,410

$3,329

$4,108

$2,288

($500)

($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 Hannah, ¡el National Choice Plan o el Whole Health Plan con la PWA son los indicados!

National Select (PWA)

National Choice (PWA o HSA)

Whole Health Plan (HSA)

Whole Health Plan (PWA)

$2,972

$4,267

$3,410

$3,329

$4,108

$2,288

($500)

($1,000)

($1,500)

($1,000)

($1,500)

($1,000)

($1,500)

$6,080

$5,055

$4,198

$4,117

Si Hannah 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.