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Employee Scenario

$1,000-annual claims$3,000-annual claims $5,000-annual claims l $40,000-annual claims

Brenda: Employee & children

  • Medical costs = $700
  • Prescription costs=$300

Under $44,000 annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $1,345 $321 $37
+      
Deductible - Medical $700 $700 $700
Deductible - Rx $300 $300 $300
Coinsurance - Medical $0 $0 $0
Coinsurance - Rx $0 $0 $0
Claims paid using Purdue contribution N/A ($1,000) ($1,000)
Brenda pays medical expenses + annual premium $2,345 $321 $37
Money left in HSA for next year  N/A  $300  $300


$44,000 and above annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $2,693 $895 $276
+      
Deductible - Medical $700 $700 $700
Deductible - Rx $300 $300 $300
Coinsurance - Medical $0 $0 $0
Coinsurance - Rx $0 $0 $0
Claims paid using Purdue contribution N/A ($1,000) ($1,000)
Brenda pays medical expenses + annual premium $3,693 $895 $276
Money left in HSA for next year N/A   $300 $300 

Scenario assumes in-network providers are used in all cases and three preferred brand prescription drugs at a retail cost of $100 each.


Brenda: Employee & children

  • Medical costs = $2,400
  • Prescription costs = $600

Under $44,000 annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $1,345 $321 $37
+      
Deductible - Medical $1,200 $2,400 $2,400
Deductible - Rx $300 $600 $600
Coinsurance - Medical $240 $0 $0
Coinsurance - Rx $90 $0 $0
Claims paid using Purdue contribution N/A ($1,300) ($1,300)
Brenda pays medical expenses + annual premium $3,175 $2,021 $1,737


$44,000 and above annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $2,693 $895 $276
+      
Deductible - Medical $1,200 $2,400 $2,400
Deductible - Rx $300 $600 $600
Coinsurance - Medical $240 $0 $0
Coinsurance - Rx $90 $0 $0
Claims paid using Purdue contribution N/A ($1,300) ($1,300)
Brenda pays medical expenses + annual premium $4,523 $2,595 $1,976

Scenario assumes in-network providers are used in all cases and six preferred brand prescription drugs at a retail cost of $100 each.


Brenda: Employee & children

  • Medical costs = $4,600
  • Prescription cost = $400

Under $44,000 annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $1,345 $321 $37
+      
Deductible - Medical $1,200 $3,200 $4,600
Deductible - Rx $300 $300 $400
Coinsurance - Medical $680 $280 $0
Coinsurance - Rx $30 $35 $0
Claims paid using Purdue contribution N/A ($1,300) ($1,300)
Brenda pays medical expenses + annual premium $3,555 $2,836 $3,737


$44,000 and above annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $2,693 $895 $276
+      
Deductible - Medical $1,200 $3,200 $4,600
Deductible - Rx $300 $300 $400
Coinsurance - Medical $680 $280 $0
Coinsurance - Rx $30 $35 $0
Claims paid using Purdue contribution N/A ($1,300) ($1,300)
Brenda pays medical expenses + annual premium $4,903 $3,410 $3,976

Scenario assumes in-network providers are used in all cases and four preferred brand prescription drugs at a retail cost of $100 each.


Brenda: Employee & children

  • Medical costs = $38,000
  • Prescription costs= $2,000

Under $44,000 annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $1,345 $321 $37
+      
Deductible - Medical $1,200 $3,200 $4,700
Deductible - Rx $300 $300 $300
Coinsurance - Medical & Rx* $3,300 $3,500 $5,000
Claims paid using Purdue contribution N/A ($1,300) ($1,300)
Brenda pays medical expenses + annual premium $6,145 $6,021 $8,737

* Reaches out-of-pocket maximum


$44,000 and above annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Brenda pays: Brenda pays: Brenda pays:
Annual premium $2,693 $895 $276
+      
Deductible - Medical $1,200 $3,200 $4,700
Deductible - Rx $300 $300 $300
Coinsurance - Medical & Rx* $3,300 $3,500 $5,000
Claims paid using Purdue contribution N/A ($1,300) ($1,300)
Brenda pays medical expenses + annual premium $7,493 $6,595 $8,976

* Reaches out-of-pocket maximum

Scenario assumes in-network providers are used in all cases and twenty preferred brand prescriptions drugs at a retail cost of $100.