(after you meet your deductible)
* Refer to the benefit summary provided by your employer or view our standard offerings
** Out of pocket deductibles, maximums and coinsurance may not apply to certain plan types, such as HMOs
Step 4: Estimate Your Medical Expenses
How much will You Pay toward Doctor or Specialist Visits?
Consider the number of visits you anticipate each family member for the benefit period, and whether you'll pay just a copayment or if you'll be responsible for the complete costs:
Other Expenses (medical supplies and equipment, etc)
Subtotal of Medical Costs
Step 5: Estimate Your Prescription Drug Costs
How much will You Pay toward Prescription Drug Costs?
Consider the amount you expect to pay for prescription drugs for each family member for the benefit period, and whether you'll pay just a copayment or if you'll be responsible for the complete costs:
Your Total Estimated Costs (includes the premium you expect to pay and costs relating to health care services)
Per Pay Period
Total Estimated Costs for High Deductible Health Plan:
Total Estimated Costs for Other Plan:
Besides offering savings on your premium, an HDHP can offer other benefits when paired with a Health Savings Account (HSA) or Health Reimbursement Account (HRA). Be sure to speak with your benefit administrator to see what types of funding accounts are available to you.
Disclaimer: This tool is intended only as a guide. Your out-of-pocket expenses may vary based on your specific benefit design and changes in your health status.