# Medical Plan Employee Scenario

## 2016

### ﻿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.

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