Medical Plan Employee Scenarios

2017

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

Sandy: Employee only

  • 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
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $777 $185 $0
+      
Deductible - Medical $650  $700 $700
Deductible - Rx $100 $300 $300
Coinsurance - Medical $10 0 0
Coinsurance - Rx $60 0 0
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $1,597 $535 $350


$44,000 and above annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $1,556 $517 $0
+      
Deductible - Medical $650 $700 $700
Deductible - Rx $100 $300 $300
Coinsurance - Medical $10 0 0
Coinsurance - Rx $60 0 0
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $2,376 $867 $350

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


Sandy: Employee only

  • 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
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $777 $185 $0
+      
Deductible - Medical $650 $1,650 $2,400
Deductible - Rx $100 $100 $100
Coinsurance - Medical $350 $150 $0
Coinsurance - Rx $150 $175 $175
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $2,027 $1,610 $2,025


$44,000 and above annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $1,556 $517 $0
+      
Deductible - Medical $650 $1,650 $2,400
Deductible - Rx $100 $100 $100
Coinsurance - Medical $350 $150 $0
Coinsurance - Rx $150 $175 $175
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $2,806 $1,942 $2.025

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


Sandy: Employee only

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

Under $44,000 annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $777 $185 $0
+      
Deductible - Medical $650 $1,650 $2,400
Deductible - Rx $100 $100 $100
Coinsurance - Medical $790 $570 $550
Coinsurance - Rx $90 $105 $105
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $2,407 $1,960 $2,505


$44,000 and above annual salary

  Purdue Health Plan Purdue Health Plan Plus HSA 1 Purdue Health Plan Plus HSA 2
Annual deductible
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $1,556 $517 $0
+      
Deductible - Medical $650 $1,650 $2,400
Deductible - Rx $100 $100 $100
Coinsurance - Medical $790 $570 $550
Coinsurance - Rx $90 $105 $105
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $3,186 $2,292 $2,505

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


Sandy: Employee only

  • 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
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $777 $185 $0
+      
Deductible - Medical $650 $1,650 $2,400
Deductible - Rx $100 $100 $100
Coinsurance - Medical & Rx* $1,650 $1,750 $2,500
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $3,177 $3,035 $4,350

* 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
= $750
Annual deductible
= $1,750
Annual deductible
= $2,500
Sandy pays: Sandy pays: Sandy pays:
Annual premium $1,556 $517 $0
+      
Deductible - Medical $650 $1,650 $2,400
Deductible - Rx $100 $100 $100
Coinsurance - Medical & Rx* $1,650 $1,750 $2,500
Claims paid using Purdue contribution N/A ($650) ($650)
Sandy pays medical expenses + annual premium $3,956 $3,367 $4,350

* Reaches out-of-pocket maximum.

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

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