Page 12 - 2015 DAN Benefits Guide
P. 12
Open
Enrollment
Choosing the Right Medical Plan
It’s important to choose the medical plan which best meets your speciic
needs. Take into account your medical expenses during 2014 and your
anicipated expenses for 2015 for you and your family. The examples
shown below may help you decide.
Infrequent User
Diane, age 24, has single coverage and seeks healthcare services
infrequently. Her 2015 medical expenses might look like this.
Premium Enhanced Standard 2
PPO PPO PPO HSA PPO
Total Cost (In-Network) 1 Out-of-Pocket Expenses by Plan
Well woman oice visit: Free to Free to Free to Free to
$286 employee employee employee employee
2 PCP Visits: $120 $30 copay $30 copay $30 copay $240
($60 total) ($60 total) ($60 total) (deducible)
Employee Responsibility
Total Out-of-Pocket $60 $60 $60 $240
Expenses
Annual Employee $2,646 $1,967 $1,188 $640
Contribuions
(Employee Only
coverage)
Company HSA N/A N/A N/A ($500)
Contribuion
Diane’s Total Cost $2,706 $2,027 $1,248 $380
The best opion for Diane is the Health Savings Plan.
Notes:
1 Please note the costs for the various services used to create the preceding scenarios are for
illustraive purposes only. Actual costs may difer the type of care or services provided.
2 The H.S.A. PPO features a non-embedded deducible; if you cover one or more dependents the full
family deducible must be saisied by one or more family members before cost sharing (coinsurance)
begins.
12
Enrollment
Choosing the Right Medical Plan
It’s important to choose the medical plan which best meets your speciic
needs. Take into account your medical expenses during 2014 and your
anicipated expenses for 2015 for you and your family. The examples
shown below may help you decide.
Infrequent User
Diane, age 24, has single coverage and seeks healthcare services
infrequently. Her 2015 medical expenses might look like this.
Premium Enhanced Standard 2
PPO PPO PPO HSA PPO
Total Cost (In-Network) 1 Out-of-Pocket Expenses by Plan
Well woman oice visit: Free to Free to Free to Free to
$286 employee employee employee employee
2 PCP Visits: $120 $30 copay $30 copay $30 copay $240
($60 total) ($60 total) ($60 total) (deducible)
Employee Responsibility
Total Out-of-Pocket $60 $60 $60 $240
Expenses
Annual Employee $2,646 $1,967 $1,188 $640
Contribuions
(Employee Only
coverage)
Company HSA N/A N/A N/A ($500)
Contribuion
Diane’s Total Cost $2,706 $2,027 $1,248 $380
The best opion for Diane is the Health Savings Plan.
Notes:
1 Please note the costs for the various services used to create the preceding scenarios are for
illustraive purposes only. Actual costs may difer the type of care or services provided.
2 The H.S.A. PPO features a non-embedded deducible; if you cover one or more dependents the full
family deducible must be saisied by one or more family members before cost sharing (coinsurance)
begins.
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