New health care plans for 2008
Making your choice
Salary and expected annual health care costs will determine which plan works best for you.
Scott’s Choice
Profile
Age: 25
Status: Full-time
Salary: $34,000
Coverage level: Single
Expected in-network health care during year:
- One physical exam
- One additional doctor visit
- One prescription drug purchase
Scott is single and tends to seek health care services infrequently.
What each plan will cost Scott
| New PPO Low Deductible Contributions $ 523 Cost of care $ 110 Out of pocket maximum $ 1,000 Scott’s total cost $ 633 |
New PPO High Deductible Contributions $ 154 Cost of care $ 110 Out of pocket maximum $ 1,500 Scott’s total cost $ 264 |
| PPO HSA-Eligible Contributions $ 80 Cost of care $ 115 Out of pocket maximum $ 2,200 Scott’s total cost $ 195 |
PPO Copay Contributions $ 680 Cost of care $ 30 Out of pocket maximum N/A Scott’s total cost $ 710 |
The out-of-pocket maximum includes deductibles and coinsurance (and excludes the costs for prescription drugs for the Low and high Deductible Plans). Scott’s costs under the existing enhanced Care Plan are $45 ($0 in contributions, $45 for the cost of care).
Alicia’s Choice
Profile
Age: 48
Status: Full-time
Salary: $54,000
Coverage level: Family
Expected in-network health care during year:
- Two physical exams
- Four well-child exams
- Ten additional doctor visits
- Two hospital visits
- Three emergency room visits
- Eight prescription drug purchases
Alicia is married with four children. Her family tends to seek health care services frequently.
What each plan will cost Alicia
| New PPO Low Deductible Contributions $ 2,650 Cost of care $ 2,935 Out of pocket maximum $ 3,750 Alicia’s total cost $ 5,585 |
New PPO High Deductible Contributions $ 1,543 Cost of care $ 5,185 Out of pocket maximum $ 5,000 Alicia’s total cost $ 6,728 |
| PPO HSA-Eligible Contributions $ 241 Cost of care $ 4,440 Out of pocket maximum $ 4,400 Alicia’s total cost $ 4,641 |
PPO Copay Contributions $ 3,120 Cost of care $ 1,090 Out of pocket maximum N/A Alicia’s total cost $ 4,210 |
The out-of-pocket maximum includes deductibles and coinsurance (and excludes the costs for prescription drugs for the Low and high Deductible Plans). Alicia’s costs under the existing enhanced Care Plan are $3,490 ($2,875 in contributions, $615 for the cost of care).
Ron’s Choice
Profile
Age: 32
Status: Full-time
Salary: $38,000
Coverage level: Family
Expected in-network health care during year:
- Two child and two adult well/preventive visits
- One additional doctor visit
- One prescription drug purchase
Ron, his wife, and two children stayed healthy over the year and only sought minimal care.
What each plan will cost Ron
| New PPO Low Deductible Contributions $ 1,570 Cost of care $ 110 Out of pocket maximum $ 2,500 Ron’s total cost $ 1,680 |
New PPO High Deductible Contributions $ 463 Cost of care $ 110 Out of pocket maximum $ 3,750 Ron’s total cost $ 573 |
| PPO HSA-Eligible Contributions $ 241 Cost of care $ 115 Out of pocket maximum $ 4,400 Ron’s total cost $ 356 |
PPO Copay Contributions $ 2,040 Cost of care $ 30 Out of pocket maximum N/A Ron’s total cost $ 2,070 |
The out-of-pocket maximum includes deductibles and coinsurance (and excludes the costs for prescription drugs for the Low and high Deductible Plans). Ron’s costs under the existing enhanced Care Plan are $2,940 ($2,875 in contributions, $65 for the cost of care).
Kim’s Choice
Profile
Age: 37
Status: Full-time
Salary: $52,000
Coverage level: Employee plus spouse
Expected in-network health care during year:
- Three specialist visits and x-rays
- One emergency room visit
- Crutches, soft boot and other durable medical equipment
- Six physical therapy visits
- One prescription drug purchase
Kim maintains a healthy lifestyle and works out regularly, but recently broke her leg.
What each plan will cost Kim
| New PPO Low Deductible Contributions $ 1,943 Cost of care $ 421 Out of pocket maximum $ 3,000 Kim’s total cost $ 2,364 |
New PPO High Deductible Contributions $ 1,132 Cost of care $ 871 Out of pocket maximum $ 4,000 Kim’s total cost $ 2,003 |
| PPO HSA-Eligible Contributions $ 177 Cost of care $ 2,224 Out of pocket maximum $ 4,400 Kim’s total cost $ 2,401 |
PPO Copay Contributions $ 2,288 Cost of care $ 330 Out of pocket maximum N/A Kim’s total cost $ 2,618 |
The out-of-pocket maximum includes deductibles and coinsurance (and excludes the costs for prescription drugs for the Low and high Deductible Plans). Kim’s costs under the existing enhanced Care Plan are $1,757 ($1,457 in contributions, $300 for the cost of care).
