ETP - ETBenefits.com

Rebecca

Rebecca is married and has two kids. Her husband has medical coverage through his employer. Rebecca doesn’t use tobacco. Rebecca and her kids are in good health but they have a rocky year.

Let’s take a look...

Rebecca gets her annual wellness exam and takes her kids in for their wellness visits and immunizations.

$750
100% paid by Energy Transfer!

She takes the kids to the doctor a few times for illnesses and they are given generic prescriptions that she fills at the pharmacy.

$80 visit x 6
$30 generic x 6

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

$80 visit x 2
$50 generic

Her son breaks his arm on the playground and she takes him to the ER. The X-ray shows he will need to have surgery that can be done outpatient.

$800 ER visit
$500 X-ray
$6,000 surgery

Rebecca goes to the ER after an auto accident. They do an MRI and CT scan.

$800 ER visit
$1,100 tests x 2

Rebecca fills several prescriptions at the pharmacy during her recovery.

$30 generic x 4

Rebecca's total expenses:

Rebecca has incurred a total of $12,040 in expenses. Now, let’s see which plan would have been better for Her!

$12,040

in total expenses.

Wait!

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

Remember, Rebecca incurred $12,040 in total expenses.

In the CDHP, Rebecca 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.

Rebecca could have saved several thousand dollars by using SurgeryPlus to schedule His surgery!

CDHP

PPO

Costs paid by

Rebecca

$7,798

$7,563

Rebecca

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 Rebecca!

CDHP

PPO

Costs paid by

Rebecca

$7,798

$7,563

Rebecca

paycheck deductions

$2,072

$5,165

Partnership-provided Contributions

($1,000)

($1,500)

($2,000)

N/A

Rebecca's Total Cost

$7,870

$12,728

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