Melissa

She is divorced and has a daughter. She doesn’t use tobacco. Melissa’s daughter is in good health but she has serious complications with an ongoing health condition.

Let’s take a look...

Melissa gets her annual wellness exam and takes her daughter in for her wellness visits and immunizations.

$500
100% paid by Energy Transfer!

Melissa takes her daughter to the doctor a few times for ear infections and fills a few generic prescriptions at the pharmacy.

$80 visit x 3
$30 generic x 3

Melissa goes to the doctor a couple times for allergies and she fills a prescription through mail order.

$80 visit x 2
$50 generic

Melissa has a condition that requires monthly visits to the specialist.

$110 visit x 12

She also takes several preferred brand prescriptions that she fills through mail order. She has monthly lab work to regulate her medication.

$100 brand x 8
$500 labs x 12

Melissa has two surgeries to help her condition. She stays in the ICU for one day and two additional days in the hospital each time.

$17,000 surgery
& hospital stay x 2

Melissa's total expenses:

Melissa has incurred a total of $42,950 in expenses. Now, let’s see which plan would have been better for Her!

$42,950
in total expenses.

Wait!

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

Remember, Melissa incurred $42,950 in total expenses.

In the CDHP Melissa pays up to the out-of-pocket max. Then the Company pays 100%.

In the PPO, she pays some through copays and coinsurance up to the maximum out-of-pocket.

Logo for Surgery Plus.

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

CDHP
PPO
Costs paid by
 
Melissa
$5,630
$4,096
Melissa
's
 paycheck deductions
$1,143
$3,290
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
And the winner is...

The CDHP plan is the winner for Melissa!

CDHP
CDHP
PPO
PPO
Costs paid by
 
Melissa
$5,630
$4,096
Melissa
's
 paycheck deductions
$1,143
$3,290
Partnership-provided Contributions
($1,000)
($1,500)
($2,000)
($2,000)
N/A
Melissa's Total Cost
$4,773
$4,773
$7,386
$7,386

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