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Linda

Linda is married and has three active kids. The family is healthy and Linda and her husband don’t use tobacco. This is a bumpy year for the family. All three of the kids have serious sports injuries.

Let’s take a look...

The family all get their wellness exams and the kids get their immunizations.

$1,250
100% paid by Energy Transfer!

Linda’s husband sees a specialist for his allergies. After a round of allergy testing he is given regular shots and starts taking a generic medication that he fills through mail order.

$110 visit x 2
$525 testing
$35 shots x 9
$50 generic x 4

The kids all get sick and go to the doctor a few times. They each take a few generic prescription that Linda fills at the pharmacy and a few that she fills through mail order.

$80 visit x 8
$30 generic x 6
$50 generic x 4

This is the year of the sports injury in Linda’s home. They start the year off with all of the kids taking trips to the urgent care clinic and follow-up visits to the doctor.

$180 urgent care x 3
$80 doctor visit x 4
$30 generic x 4

Later in the year, two of the kids have more serious injuries and are taken to the ER where they run several tests. Both of the kids have surgery and require multiple trips to specialists and physical therapy.

$800 ER visit x 2
$500 X-ray x 2
$1,100 tests x 2
$110 specialist x 13
$6,000 surgery x 2
$90 therapy visit x 6

Linda's total expenses:

Linda has incurred a total of $23,280 in expenses. Now, let’s see which plan would have been better for Her!

$23,280

in total expenses.

Wait!

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

Remember, Linda incurred $23,280 in total expenses.

In the CDHP, Linda pays up to the out-of-pocket max. After that the Company pays 100%.

In the PPO, she doesn’t reach the out-of-pocket max. She pays some copays, her deductible and still continues to pay coinsurance.

Linda could have saved several thousand dollars by using SurgeryPlus to schedule Her surgery!

CDHP

PPO

Costs paid by

Linda

$9,000

$8,000

Linda

paycheck deductions

$2,072

$5,165

Partnership-provided Contributions

($1,000)

($1,500)

($2,000)

N/A

And the winner is...

The CDHP plan is the winner for Linda!

CDHP

PPO

Costs paid by

Linda

$9,000

$8,000

Linda

paycheck deductions

$2,072

$5,165

Partnership-provided Contributions

($1,000)

($1,500)

($2,000)

N/A

Linda's Total Cost

$9,072

$13,165

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