Page 4 - QSC Journey FlipBook 2019 FINAL

Gibson’s Journey #1
Gibson and his growing family are currently enrolled in the

OAP (PPO) plan. Can Gibson save money by switching to
the HSA PPO plan?
(The OAP (PPO) benefit plans are changing this year, and their out-of-
pocket cost may increase)

Gibson’s family is relatively healthy, except for common cold and sick visits.

What is the best PPO plan for Gibson’s family?

New OAP (PPO) Plan Details HSA PPO Plan Details

• His OAP (PPO) family deductible is • His HSA PPO family deductible is
$2,000 $3,000 with an individual
• TeleHealth Visit is $30 deductible of $2,700
• His OAP (PPO) cost is 65% more • QSC’s funding of $90 per paycheck
per paycheck than HSA PPO plan will help to offset the deductible
• His HSA PPO cost is 39% less per
paycheck than OAP (PPO) plan
• Telehealth visit is $45 - $49

What is the best option for Gibson’s family?
Gibson is considering switching to the HSA PPO plan.
He realizes:
1) The HSA PPO plan is close to the OAP (PPO) plan and he wouldn’t be losing
benefits for his family
2) His savings by switching to the HSA PPO plan could save as much as 39%
3) QSC will fund his Health Savings Account $90 per pay period to help pay for out-
of-pocket costs. Over a course of 12 months, this equates up to $2,340.
4) He has another way to save for his family’s future

NOTE: Costs illustrated assume discounted rates
Questions: Please reach out to Health Advocate at (866) 799-2731.