Page 13 - 2016 Open Enrollment
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Dentsu Aegis Network (DAN)
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 2015 and your
anicipated expenses for 2016 for you and your family. The examples
shown below may help you decide.
Alex Smith
Ok beneitsPLUS—I’m 29 years old and single. I go for an annual physical
and I visited the Urgent Care one ime last year because of a basketball
injury. I’m in the Enhanced PPO, am I over insured?
Premium Enhanced Standard HSA
PPO PPO PPO PPO 2
In-network annual Free Free Free Free
physical: $286
1 in-network Urgent $50 copay $50 copay $50 copay $120
Care visit: $120 (deducible)
Total Responsibility for Alex
Total Out of Pocket $50 $50 $50 $120
Expenses:
Annual Payroll $2,691 $2,124 $1,271 $672
Deducion (EE Only)
Company HSA N/A N/A N/A ($500)
Contribuion
Alex Total Cost $2,741 $2,174 $1,321 $292
Alex, yes you are over insured in the Enhanced PPO. Based on your
typical cost of care, you could aford a plan with higher upfront costs
with a lower employee contribuion to balance out your total costs.
Notes:
f 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.
f The HSA 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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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 2015 and your
anicipated expenses for 2016 for you and your family. The examples
shown below may help you decide.
Alex Smith
Ok beneitsPLUS—I’m 29 years old and single. I go for an annual physical
and I visited the Urgent Care one ime last year because of a basketball
injury. I’m in the Enhanced PPO, am I over insured?
Premium Enhanced Standard HSA
PPO PPO PPO PPO 2
In-network annual Free Free Free Free
physical: $286
1 in-network Urgent $50 copay $50 copay $50 copay $120
Care visit: $120 (deducible)
Total Responsibility for Alex
Total Out of Pocket $50 $50 $50 $120
Expenses:
Annual Payroll $2,691 $2,124 $1,271 $672
Deducion (EE Only)
Company HSA N/A N/A N/A ($500)
Contribuion
Alex Total Cost $2,741 $2,174 $1,321 $292
Alex, yes you are over insured in the Enhanced PPO. Based on your
typical cost of care, you could aford a plan with higher upfront costs
with a lower employee contribuion to balance out your total costs.
Notes:
f 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.
f The HSA 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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