Robert

Robert is married with one kid and his wife has medical coverage with her employer. He and his son are in fairly good health and he doesn’t use tobacco. Robert has a pretty smooth year.

Let’s take a look...

Robert gets his free wellness exam and takes his son in for his wellness visit and immunizations.

$500
100% paid by Energy Transfer!

Robert goes to the doctor once for a sinus infection and his doctor gives him a generic prescription that he fills at the pharmacy.

$80 visit
$30 generic

Robert takes his son to the urgent care clinic after an injury on the playground.

$250 visit

He takes his son to the doctor several times for a reoccurring illness. The doctor runs two rounds of lab work.

$80 visit x 3
$500 labs x 2

The doctor prescribes Robert’s son four generic medications. Robert fills three at the pharmacy and one through mail order.

$30 generic x 3
$50 generic

Robert's total expenses:

Robert has incurred a total of $2,240 in expenses. Now, let’s see which plan would have been better for Him!

$2,240
in total expenses.
Wait!

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

Remember, Robert incurred $2,240 in total expenses.

In the CDHP Robert pays out-of-pocket for everything but the cost of the free wellness exam. 

In the PPO, he pays some through copays.

Robert could have saved several thousand dollars by using SurgeryPlus to schedule His surgery!

Robert will have $210 remaining in his HSA to carry over to the following year!

CDHP
PPO
Costs paid by
 
Robert
$1,790
$888
Robert
's paycheck deductions
 
$1,089
$3,133
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
And the winner is...

The CDHP plan is the winner for Robert!

CDHP
CDHP
PPO
PPO
Costs paid by
 
Robert
$1,790
$888
Robert
's paycheck deductions
 
$1,089
$3,133
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
Robert's Total Cost
$1,089
$1,089
$4,021
$4,021

To see a more detailed calculation of Robert's care, click here.