Excellus Bluecross BlueShield logo
Login | Register | Forgot Username | Forgot Password
Quick Links
Program Offerings
Find Coverage for Yourself or Family
Medicare Plans
Dental Plans
High Deductible Health Plans
Plans for Small & Large Businesses
Flexible Spending Accounts

High Deductible Health Plan Cost Calculator

This tool can help you estimate and compare your anticipated out-of-pocket expenses for a High Deductible Health Plan (HDHP) with another plan type (for example, an HMO or PPO).

  • Take a tour to learn more about Consumer Driven Health Care
  • BluePPO HSA Benefits Overview
Step 1: Select the type of coverage
 
Single Family  
 
Step 2: Enter how much will you be contributing toward your premium
 
How often are you paid? (What is your pay period?)
Weekly Biweekly
 (26 paychecks/year)
Monthly  
 
 
HDHP
Other Plan
How much will You Pay toward the plan premium? $ $
 
Per pay period
Per pay period
 
Step 3: Enter benefit details for the plan
 
What does the policy* require for: (see Help link for guidance) Help  
 
 
HDHP
Other Plan
  • Deductible**
$ $
  • Out of pocket maximum**
$ $
  • Coinsurance amount**
    (after you meet your deductible)
   %    %
 
*  Refer to the benefit summary provided by your employer or view our standard offerings
   (see links at top of this page).
** Out of pocket deductibles, maximums and coinsurance may not apply to certain plan types, such as HMOs
 
Step 4: Estimate your Medical costs
 
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:
  Help      More Help  
 
 
HDHP
Other Plan
  • Family Member 1
$ $
  • Family Member 2
$
$
  • Family Member 3
$
$
  • Family Member 4
$
$
  • All Additional Family Members
$
$
  • Other Expenses (medical supplies and equipment, etc.)
$
$
 
Click 'Calculate' to total these expenses:           
 
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:
 
 
 
HDHP
Other Plan
  • Family Member 1
$ $
  • Family Member 2
$
$
  • Family Member 3
$
$
  • Family Member 4
$
$
  • All Additional Family Members
$
$
 
Click 'Calculate' to total these expenses:           
 
Subtotal of Prescription Drug Costs:   $ $
 
Step 6: Factor In HSA Company Contribution
 
 
HDHP
Other Plan
  • Company Contribution
$ $
 
Click 'Calculate' to subtract Company Contribution:           
 
Step 7: Compare Your Results
 
Based on the estimates you provided above, here are the total out-of-pocket expenses you can anticipate for these plans:
 
  • Your Total Estimated Costs
    (includes the premium you expect to pay
    and costs relating to health care services)
Total Estimated
Costs for High Deductible Health Plan
Total Estimated
Costs for Other Plan
Annually Annually
  Per Pay Period: Per Pay Period:
 
If you change or correct a line entry above,
click 'Re-Calculate' to update these totals:
 

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.
Home     News & Updates    Print Forms    About Us    Fraud & Abuse    Glossary    Accreditations   
Copyright © 2014, Excellus BlueCross BlueShield, a nonprofit independent licensee of the Blue Cross Blue Shield Association. All rights reserved. View our Privacy Policy for information on how we protect your privacy. Use of this site indicates your acceptance of our Terms of Use. Follow this link to view our 31 county New York State service area. You will need Internet Explorer or Firefox to use the secure features of this site.