Page 15 - 2015 DAN Benefits Guide
P. 15
Dentsu Aegis Network (DAN)
Average Utilizer
Steve, ages 35, covers his enire family (spouse and children) on the
plan. They are average uilizers of healthcare services. His 2015 medical
expenses might look like this:
Premium PPO Enhanced PPO Standard PPO HSA PPO 3
Total Cost
(In-Network) 1 Out-of-Pocket Expenses by Plan
Well visits Free Free Free Free
for all family
members
Six Primary $30 copay $30 copay $30 copay $720
Care Visits ($180 total) ($180 total) ($180 total) (deducible)
($120/visit)
Two Brand and $10/$30 $10/$30 $10/$30 $3,280
Two Generic monthly copay monthly copay monthly copay to saisfy
Rxs/Month: ($660) ($660) ($660) deducible;
$300/$30 per then 20% of
Month remaining
$3,920
Outpaient $250 to saisfy $500 to saisfy $1,000 20% of
Service visit for deducible; deducible; to saisfy remaining
Steve : $5,000 then 0% of then 10% of deducible; $5,000
2
$4,750 remaining then 20% of
$4,500 remaining
$4,000
Outpaient $250 to saisfy $500 to saisfy $1,000 20% of
Service visit for deducible; deducible; to saisfy remaining
Steve’s child : then 0% of then 10% of deducible; $5,000
2
$5,000 $4,750 remaining then 20% of
$4,500 remaining
$4,000
Total Employee Responsibility
Total Out- $1,640 $3,040 $4,740 $6,784
of-Pocket
Expenses
Annual Payroll $10,957 $7,590 $4,475 $2,854
Deducion
(Family)
Company HSA N/A N/A N/A ($1,000)
Contribuion
Steve’s Total $12,597 $10,630 $9,215 $8,638
Cost
The best opion for Steve 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 Hospital Stay—cost assumed as total of all inpaient, outpaient, and surgical expenses; therefore,
applying directly to deducible and coinsurance for all modeled plan.
3 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. 15
Average Utilizer
Steve, ages 35, covers his enire family (spouse and children) on the
plan. They are average uilizers of healthcare services. His 2015 medical
expenses might look like this:
Premium PPO Enhanced PPO Standard PPO HSA PPO 3
Total Cost
(In-Network) 1 Out-of-Pocket Expenses by Plan
Well visits Free Free Free Free
for all family
members
Six Primary $30 copay $30 copay $30 copay $720
Care Visits ($180 total) ($180 total) ($180 total) (deducible)
($120/visit)
Two Brand and $10/$30 $10/$30 $10/$30 $3,280
Two Generic monthly copay monthly copay monthly copay to saisfy
Rxs/Month: ($660) ($660) ($660) deducible;
$300/$30 per then 20% of
Month remaining
$3,920
Outpaient $250 to saisfy $500 to saisfy $1,000 20% of
Service visit for deducible; deducible; to saisfy remaining
Steve : $5,000 then 0% of then 10% of deducible; $5,000
2
$4,750 remaining then 20% of
$4,500 remaining
$4,000
Outpaient $250 to saisfy $500 to saisfy $1,000 20% of
Service visit for deducible; deducible; to saisfy remaining
Steve’s child : then 0% of then 10% of deducible; $5,000
2
$5,000 $4,750 remaining then 20% of
$4,500 remaining
$4,000
Total Employee Responsibility
Total Out- $1,640 $3,040 $4,740 $6,784
of-Pocket
Expenses
Annual Payroll $10,957 $7,590 $4,475 $2,854
Deducion
(Family)
Company HSA N/A N/A N/A ($1,000)
Contribuion
Steve’s Total $12,597 $10,630 $9,215 $8,638
Cost
The best opion for Steve 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 Hospital Stay—cost assumed as total of all inpaient, outpaient, and surgical expenses; therefore,
applying directly to deducible and coinsurance for all modeled plan.
3 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. 15
