Sanjay

Sanjay's family is usually in good health. They don't smoke, and they get their annual physicals. They use in-network doctors and Preferred Medical and Wellness Providers when possible. Except for a few expensive medications, 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 doctors for the flu. The kids also go to the doctor a few times for sinus infections and colds. Each trip includes a few generic prescriptions.

$100 visit x 8
$20 generic 30-day x 12

Provider Billed Cost
Sanjay develops a condition and goes to see a specialist, who gives him a preferred brand medication. Sanjay fills a 30-day prescription twice.

$140 visit x 1
$275 preferred brand, 30-day x 2

His wife starts feeling ill, so she goes to her primary care doctor. After testing, the doctor prescribes her a generic 30-day medication that she fills three times.

$100 visit x 8
$100 test x 1
$20 generic 30-day x 3

Sanjay's total expenses:

Sanjay has incurred a total of $2,310 in expenses from providers and services. Now, let’s see which plan would have been better for Him!

$2,310
in total expenses.
back_hand
Wait! We also need to remember that Sanjay has been paying for medical coverage from His paycheck too. We'll add that in.

Remember, Sanjay incurred $2,310 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
 
Sanjay
$1,280
$1,990
$1,990
$745
Paycheck
 
contributions
$6,110
$3,432
$3,432
$3,432
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 Sanjay is eligible for, the winners are the National Choice and Whole Health Plans with the PWA.

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
 
Sanjay
$1,280
$1,990
$1,990
$745
Paycheck
 
contributions
$6,110
$3,432
$3,432
$3,432
WFM PWA/HSA contributions
($500)
($1,000)
($1,000)
($1,500)
($1,000)
($1,500)
($1,000)
($1,500)
Total Costs
 
 
$6,390
$6,390
$3,922
$3,922
$3,922
$3,922
$3,432
$3,432

In all the plans, the Whole Foods Market PWA/HSA contribution covers all or a large portion of the costs paid by Sanjay.

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

Sanjay

El plan de salud de Sanjay cubre a la familia. Gozan de buena salud en general. Sanjay y la esposa no fuman, y toda la familia se hace los chequeos médicos anuales. Acuden a médicos, farmacias y proveedores médicos y de bienestar preferentes dentro de la red siempre que es posible.

Salvo por algunos medicamentos costosos, 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. Los hijos también van al médico algunas veces por sinusitis y resfriados. Cada consulta incluye unas cuantas recetas de medicamentos genéricos.

$100, consulta x 8
$20, genéricos para 30 días x 12

Provider Billed Cost
Sanjay presenta un problema de salud y acude a un especialista que le receta un medicamento de marca. Sanjay surte la receta para 30 días dos veces.

$140, consulta x 1
$275, medicamentos de marca para 30 días x 2

La esposa empieza a sentirse mal, así que acude a su médico de atención primaria. Después de hacerle unas pruebas, el médico le receta un medicamento genérico para 30 días que ella surte tres veces.

$100, consulta x 8
$100, pruebas x 1
$20, genéricos para 30 días x 3

Sanjay's total expenses:

Sanjay ha incurrido en un total de $2,310 en gastos de proveedores y servicios. Veamos ahora qué plan hubiese sido mejor para Sanjay.

$2,310
en gastos totales
back_hand
¡Un momento! También debemos recordar que Sanjay ha estado pagando la cobertura médica con su salario. Agregaremos eso.

Remember, Sanjay incurred $2,310 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
 
Sanjay
$1,280
$1,990
$1,990
$745
Tarifas de Contribución
 
 
$6,110
$3,432
$3,432
$3,432
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 Sanjay, los indicados son los planes National Choice Plan y Whole Health Plan con la PWA.

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
 
Sanjay
$1,280
$1,990
$1,990
$745
Tarifas de Contribución
 
 
$6,110
$3,432
$3,432
$3,432
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
 
 
$6,390
$6,390
$3,922
$3,922
$3,922
$3,922
$3,432
$3,432

En todos los planes, la contribución de Whole Foods Market PWA/HSA cubre la totalidad o una gran parte de los costos pagados por Sanjay.

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