Medical Plan Employee Scenarios

2017

$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 $1,399 $334 $38
+      
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 $2,399 $334 $38
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 $2,801 $931 $287
+      
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 $3,801 $931 $287
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 $1,399 $334 $38
+      
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 $3,229 $2,034 $1,738


$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 $2,801 $931 $287
+      
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 $4,631 $2,631 $1,987

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 $1,399 $334 $38
+      
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 $3,609 $2,949 $3,738


$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 $2,801 $931 $287
+      
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 $5,011 $3,446 $3,987

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 $1,399 $334 $38
+      
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 $6,199 $6,034 $8,738

* 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 $2,801 $931 $287
+      
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 $7,601 $6,631 $8,987

* 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.

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