Maria

Maria is married. She and her husband are in good health and  don't smoke. They get their annual physicals and use in-network doctors and Preferred Medical and Wellness Providers when possible. They have a pretty smooth year.

Let's take a look…

Provider Billed Cost
They both get their physicals.

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

Maria goes to the doctor once for the flu. The doctor prescribes her two generic medications.

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

Provider Billed Cost
She goes to an urgent care clinic after a fall in her backyard and gets an X-ray at an outside facility.

$90 visit x 1
$150 X-ray x 1

Maria sees a specialist four times during her recovery, and he gives her two generic 90-day medications that she fills through mail order.

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

Maria's total expenses:

Maria has incurred a total of $1,270 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$1,270
in total expenses.
back_hand
Wait! We also need to remember that Maria has been paying for medical coverage from Her paycheck too. We'll add that in.

Remember, Maria incurred $1,270 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
 
Maria
$690
$1,110
$1,110
$794
Paycheck
 
contributions
$4,108
$2,288
$2,288
$2,288
WFM PWA/HSA contributions
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
And the winner is...

No matter which plans Maria is eligible for, the winners are the National Choice and Whole Health Plans!

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
 
Maria
$690
$1,110
$1,110
$794
Paycheck
 
contributions
$4,108
$2,288
$2,288
$2,288
WFM PWA/HSA contributions
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
Total Costs
 
 
$4,108
$4,108
$2,288
$2,288
$2,288
$2,288
$2,288
$2,288

In all the plans, the Whole Foods Market PWA/HSA contribution covers all or a large portion of the costs paid by Maria. Any unused funds remain in the account to use next year, provided she selects the same account the following year.

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

Maria

Maria está casada y su seguro de salud cubre al esposo. Gozan de buena salud y no fuman. Se hacen los chequeos médicos anuales y acuden a médicos, farmacias y proveedores médicos y de bienestar preferentes dentro de la red siempre que es posible.

Tienen un año bastante tranquilo. Echemos un vistazo…

Provider Billed Cost
Ambos se hacen los chequeos médicos.

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

Maria acude una vez a su médico porque tiene gripe. El médico le receta dos medicamentos genéricos para 30 días.

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

Provider Billed Cost
Acude a una clínica de urgencias después de una caída en el patio de su casa y se hace una radiografía en un centro externo.

$90, consulta x 1
$150, radiografía x 1

Maria acude a un especialista cuatro veces mientras se recupera, y este le receta dos medicamentos genéricos para 90 días que ella pide por correo.

$140, consulta x 4
$85, genéricos para 90 días x 2

Maria's total expenses:

Maria ha incurrido en un total de $1,270 en gastos de proveedores y servicios. Veamos ahora qué plan hubiese sido mejor para Maria.

$1,270
en gastos totales
back_hand
¡Un momento! También debemos recordar que Maria ha estado pagando la cobertura médica con su salario. Agregaremos eso.

Remember, Maria incurred $1,270 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
 
Maria
$690
$1,110
$1,110
$794
Tarifas de Contribución
 
 
$4,108
$2,288
$2,288
$2,288
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…

Independientemente de los planes a los que puede acceder Maria, ¡los indicados son los planes National Choice Plan y Whole Health Plan!

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
 
Maria
$690
$1,110
$1,110
$794
Tarifas de Contribución
 
 
$4,108
$2,288
$2,288
$2,288
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
 
 
$4,108
$4,108
$2,288
$2,288
$2,288
$2,288
$2,288
$2,288

En todos los planes, la contribución de Whole Foods Market PWA/HSA cubre la totalidad o una gran parte de los costos pagados por Maria. Cualquier fondo no utilizado permanece en la cuenta para usarlo el próximo año, siempre que seleccione la misma cuenta el año siguiente.

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