Medical Plan Employee Scenarios

2017

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

Dave: Employee & spouse

  • 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
Dave pays: Dave pays: Dave pays:
Annual premium $2,941 $926 $212
+      
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)
Dave pays medical expenses + annual premium $3,941 $926 $212
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
Dave pays: Dave pays: Dave pays:
Annual premium $4,694 $1,670 $866
+      
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)
Dave pays medical expenses + annual premium $5,513 $1,606 $833
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.


Dave: Employee & spouse

  • 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
Dave pays: Dave pays: Dave pays:
Annual premium $2,941 $926 $212
+      
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)
Dave pays medical expenses + annual premium $4,771 $2,626 $1,912


$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
Dave pays: Dave pays: Dave pays:
Annual premium $4,694 $1,670 $866
+    
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)
Dave pays medical expenses + annual premium $6,524 $3,370 $2,566

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


Dave: Employee & spouse

  • 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
= $1,500
Annual deductible
= $3,500
Annual deductible
= $5,000
Dave pays: Dave pays: Dave pays:
Annual premium $2,941 $926 $212
+      
Deductible - Medical $1,200 $3,200 $4,600
Deductible - Rx $300 $300 $400
Coinsurance - Medical $680 $0 $0
Coinsurance - Rx $30 $35 $0
Claims paid using Purdue contribution N/A ($1,300) ($1,300)
Dave pays medical expenses + annual premium $5,038 $3,405 $3,904


$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
Dave pays: Dave pays: Dave pays:
Annual premium $4,694 $1,670 $866
+      
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)
Dave pays medical expenses + annual premium $6,904 $4,185 $4,566

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


Dave: Employee & spouse

  • 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
Dave pays: Dave pays: Dave pays:
Annual premium $2,941 $926 $212
+      
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)
Dave pays medical expenses + annual premium $7,741 $6,626 $8,912

* 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
Dave pays: Dave pays: Dave pays:
Annual premium $4,694 $1,670 $866
+      
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)
Dave pays medical expenses + annual premium $9,494 $7,370 $9,566

* 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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