Nicole

Nicole's family is usually in good health. She doesn't use nicotine products, and they get their annual physicals. They 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
All of the family members get their physicals and the kids get their immunizations.

$80 x 4 = $320
100% paid by the Company!

A few of them go to their primary care doctors for the flu. The kids also go to the doctor a few times for sinus infections and a few rashes that won't go away. Each trip includes a few generic 30-day prescriptions.

$100 visit x 8
$20 generic 30-day x 8

Nicole takes her son to the allergy specialist. The specialist prescribes a 30-day medication one time to make sure the medication helps. Nicole refills it two more times as 90-day prescriptions.

$140 visit
$20 generic, 30 day x 1
$85 generic, 90 day x 2

Nicole has a condition that's managed through medication, but it requires an expensive 90-day preferred brand drug to manage it. She fills it four times.

$340 preferred brand, 30-day x 4

Provider Billed Cost
No items found.

Nicole's total expenses:

Nicole has incurred a total of $2,970 in expenses from providers and services. Now, let’s see which plan would have been better for Her!

$2,970
in total expenses.
back_hand
Wait! We also need to remember that Nicole has been paying for medical coverage from Her paycheck too. We'll add that in.

Remember, Nicole incurred $2,970 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.

Surest Plan
National Select (PWA)
National Choice (PWA or HSA)
Whole Health Plan (HSA)
Whole Health Plan (PWA)
Costs paid by
 
Nicole
$2,090
$2,090
$2,650
$2,650
$1,706
Paycheck
 
contributions
$3,666
$3,562
$1,976
$1,976
$1,976
WFM PWA/HSA contributions
N/A
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
And the winner is...

No matter which plans Nicole is eligible for, the winners are the National Choice Plan and Whole Health Plan with the PWA.

Surest Plan
National Select (PWA)
National Choice (PWA or HSA)
Whole Health Plan (HSA)
Whole Health Plan (PWA)
Costs paid by
 
Nicole
$2,090
$2,090
$2,650
$2,650
$1,706
Paycheck
 
contributions
$3,666
$3,562
$1,976
$1,976
$1,976
WFM PWA/HSA contributions
N/A
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
Total Costs
 
 
$5,756
$4,652
$3,126
$3,126
$2,182

Depending on her eligibility, if Nicole is chooses the National Choice or the Whole Health Plan, she can pair the plan with the HSA, to 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.

Nicole

La familia de Nicole goza de buena salud en general. Ella no consume productos con nicotina y todos se hacen los chequeos médicos anuales. 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
Todos los miembros de la familia se hacen los chequeos médicos.

$80 x 4 = $320
¡La empresa paga el 100 %!

Algunos van al médico de atención primaria porque tienen gripe. Nicole lleva a los hijos al médico varias veces por sinusitis y algunos sarpullidos que no desaparecen. Cada consulta incluye unas cuantas recetas de medicamentos genéricos para 30 días.

$100, consulta x 8
$20, genéricos para 30 días x 8

Nicole takes her son to the allergy specialist. The specialist prescribes a 30-day medication one time to make sure the medication helps. Nicole refills it two more times as 90-day prescriptions.

$140 visit
$20 generic, 30 day x 1
$85 generic, 90 day x 2

Nicole tiene un problema de salud que se trata con medicación, pero necesita un costoso medicamento de marca para 90 días. Surte la receta cuatro veces.

$340, medicamentos de marca para 30 días x 4

Provider Billed Cost
No items found.

Gastos totales de Nicole:

Nicole ha incurrido en un total de $2,970 en gastos de proveedores y servicios. Veamos ahora qué plan hubiese sido mejor para Nicole.

$2,970
en gastos totales
back_hand
¡Un momento! También debemos recordar que Nicole ha estado pagando la cobertura médica con su salario. Agregaremos eso.

Recuerde que Nicole ha incurrido en un total de $2,970 en gastos de proveedores y servicios.

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.

Surest Plan
National Select (PWA)
National Choice (PWA or HSA)
Whole Health Plan (HSA: nivel preferente)
Whole Health Plan (PWA: nivel preferente)
Costos a cargo de
 
Nicole
$2,090
$2,090
$2,650
$2,650
$1,706
Deducciones del cheque de paga
 
 
$3,666
$3,562
$1,976
$1,976
$1,976
Contribuciones de WFM a la PWA/HSA
N/A
($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 Nicole, los indicados son los planes National Choice Plan y Whole Health Plan con la PWA.

Surest Plan
National Select (PWA)
National Choice (PWA or HSA)
Whole Health Plan (HSA: nivel preferente)
Whole Health Plan (PWA: nivel preferente)
Costos a cargo de
 
Nicole
$2,090
$2,090
$2,650
$2,650
$1,706
Deducciones del cheque de paga
 
 
$3,666
$3,562
$1,976
$1,976
$1,976
Contribuciones de WFM a la PWA/HSA
N/A
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
Costo anual total
 
 
$5,756
$4,652
$3,126
$3,126
$2,182

En función de los planes a los que puede acceder, si Nicole elige el National Choice Plan o el Whole Health Plan, puede combinarlo con la HSA para beneficiarse de hacer contribuciones antes de impuestos a su HSA para utilizarlas ahora o en el futuro.

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