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Use this tool to estimate your annual costs and make an informed decision about which health plan to choose.
Tell us about you
Coverage level selected:
Coverage level selected:
Tell us what's most important to you about a health care plan
Choosing a healthcare plan can be a balancing act. Some people may prefer plans with lower premiums, while others
may prefer plans with lower anticipated total costs. What matters most to you?
In the results, the tool will not highlight any specific plan.
In the results, the tool will highlight the plan with the lowest employee annual premiums.
In the results, the tool will highlight the plan with the lowest estimated employee total costs (i.e.
including an estimate for anticipated out-of-pocket costs.)
In the results, the tool will highlight the plan with the lowest estimated employee worst case total costs
(i.e. including an estimate for potential worst case out-of-pocket costs.)
In the results, the tool will highlight the plan with access to a Health Savings Account (HSA)
that has the lowest estimated employee total costs.
Enter your expected plan usage
Think about the amount of healthcare that you and any covered family members may need
in the coming year. Use the menu(s) below to select from a variety of "quick scenarios".
For definitions of the different usage levels, please see the
and the
.
Or, you can create your own scenario under the "My own scenario" tab by customizing the frequency of
each type of service.
You can also view the .
Tip: Creating your own scenario works best on wider screens. If you're on a mobile device,
consider rotating your device to landscape mode while using the modeling interface.
Compare how much you'll spend
Coverage level:
One or more plans below is excluding funding that would reduce the cost of care.
Compare how much you'll spend (continued)
See the impact of using your HSA or FSA
A Health Savings Account (HSA) or Flexible Spending Account (FSA) can help you
save on taxes when paying for care and planning ahead for future expenses.
I am age 55 or older and qualify for the increased HSA contribution limit.
HSA:
My desired HSA contribution: .
HSA contribution changed. Scroll up to see updated chart.
FSA:
My desired FSA contribution: .
FSA contribution changed. Scroll up to see updated chart.
Slide the bar above to see how Health Savings Account contributions can
help you cover your out-of-pocket healthcare costs.
Unused account funds you could carry over from 2024, if any:
Unused account funds carried over from 2024: .
Carryover amount changed. Scroll up to see updated chart.
.
Savings account funding
Cost of care
Before claims
Claim reimbursements
After claims
Company HSA funding
Employee HSA funding*
Employee HSA funding
(to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2024
Carried over from 2024
(to be determined next)
Total funding
Applied to cost of care
:
Forfeited excess rollover
Potential rollover amount
*Subject to applicable plan limits.
Employee plan premiums by pay period:
Paid weekly
Paid monthly
Based on your inputs and what you indicated matters most to you, the plan with
the lowest employee annual premiums is thethe lowest estimated out-of-pocket costs is thethe lowest estimated employee total costs is thelowest estimated employee worst case total costs is theaccess to an HSA with the lowest estimated employee total costs is theaccess to an FSA with the lowest estimated employee total costs is the
.
No plan matched your specified criteria.
Give us your feedback
We'd love to know if this tool was helpful. Feedback is optional and anonymous.
View your potential tax savings
Use this tax calculator to see the benefits of contributing to a plan's tax-advantaged savings account.
Select a plan in the dropdown menu below and then click "Show the tax calculator".
Tax Calculator
Plan: Plan Name
* The maximum contribution you may make has been reduced by the company's funding amount.
Tax Calculator (continued)
(Exclude you and your spouse)
Use the sliders above to estimate your eligible out‑of‑pocket medical expenses for
the upcoming plan year.
Income tax filing status:
Number of dependents:
You must accept the terms of use to access the Medical Plan Cost Estimator tool.
Please click on Try again below to access the terms of use again.
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Please access the tool again using a more recent browser.
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:
Copays
Deductibles
+
Coinsurance
+
Not covered
+
Funds used
–
Notes:
No deductible limit has been met
At least one deductible limit has been met
No out-of-pocket maximum has been reached
At least one out-of-pocket maximum has been reached
Only company funds applied.
Only employee funds applied.
No funds applied.
Employee's base annual premiums
Tobacco use surcharge
Spouse/DP surcharge
Company wellness rewards
Employee's net annual premiums
Company's base annual premiums
Company wellness rewards
Company's net annual premiums
:
Welcome to the Medical Plan Cost Estimator tool. The purpose of this tool is to assist you in choosing
a medical plan and understanding the advantages of tax-free accounts by helping you estimate your annual medical
expenses.
We respect your privacy. None of the information you use to calculate your out-of-pocket costs can be
collected or tracked, including your expected annual medical care expenses. When you navigate away from the
Medical Plan Cost Estimator tool, your information is automatically discarded. You can print your selections
and criteria from the Medical Plan Cost Estimator tool. Please keep your printouts secure and use caution when
printing to shared printers.
By using this tool, you are automatically agreeing that you understand and accept the following:
Estimates are based on national average medical costs. Because costs vary by provider and not all
service details are included, actual costs may differ from what is shown in the Medical Plan Cost Estimator.
Actual costs may also vary based on the order in which services are incurred and by the specific family
member using a service (if applicable). In the event of any contradiction between the information contained
in this tool and the Plan Documents, the Plan Documents shall govern in all cases.
If you do not accept these terms, you will not be able to access the site.
This tool is designed to help you choose the medical plan that is right for you in two easy steps:
The first is to tell us about you by selecting your level of coverage.
The second is to tell us about your and your family's expected healthcare needs for the coming year by
selecting whether you expect medical needs to be low, medium or high for each family member.
Then, you'll be able to see an estimate of what you'll spend annually for the upcoming year under each
medical plan option. You can also use the savings account section to consider how much you should
contribute on a before-tax basis to cover your expected medical expenses.
Optimal Viewing
This tool is designed for optimal performance in recent versions of Google Chrome, Mozilla Firefox,
Microsoft Edge, and Apple Safari. If you are using an earlier version or a web browser not listed, you
may experience errors or be unable to use the tool. In this case, please access the tool again using
one of the listed web browsers. For best viewing, set the screen resolution to 1024 x 768 or higher.
This tool does not store your personal information nor your expected health care usage in any database.
Such information is automatically discarded when you navigate away from this tool.
You can preserve your modeled scenario for later use by bookmarking the URL shown below. Your selections are
encoded in this URL, so do not share it with others if you wish to keep private any details in your scenario.
Here's a text version if you would prefer to copy and paste the URL:
This scenario URL might not be valid in a future version of this tool, so consider also printing
your results using the "Print" link found within the tool. Please keep your printouts secure and use
caution when sending to shared printers.
The following health care cost assumptions are used in the tool:
Please note that the estimates are based on average health care costs.
Because costs can vary by provider and by region, your actual costs
may differ from the national averages used by this tool.
Unit costs above represent the average allowed charge for each service. The allowed
charge is the amount of submitted charges eligible for payment for all claims according
to health plan documents/contracts. Specifically, it is the amount eligible after
applying pricing guidelines, but before deducting third party, copayment, coinsurance,
or deductible amounts. The allowed charge represents the amount a plan will consider
for adjudication for a covered service. The unit costs above include network and
non-network services.
In the event of any discrepancy between the information contained in this
tool and official plan documents, the latter shall govern in all cases.
Please select the group that applies to you.
Indicate whether you would like to include coverage for yourself, or for yourself and a
spouse or domestic partner.
If you have more than three children, consider combining expenses for children to estimate your total family costs.
Please select the region that best represents where you live. While costs vary somewhat from region to
region, the differences are generally not significant and may not affect your overall results.
Please indicate your salary band. Annual employee premiums will vary based on your selection.
Employees only get this funding if wellness requirements are met.
A premium surcharge may apply if an indicated individual is a tobacco user and
has not participated a smoking-cessation program.
A premium surcharge may apply if your spouse/domestic partner is offered medical coverage through
his or her employer but you choose to cover him or her instead.
Select "No" if your spouse/DP does not work or is not eligible for medical coverage through
his or her employer. The surcharge would not apply.
Select "Yes" if your spouse/DP is eligible for medical coverage through his/her employer and
is not enrolled in his or her employer's plan. The surcharge would apply.
healthcare usage means that you and your family typically only use
your medical coverage for preventive care (i.e., some lab tests and preventive prescription drugs) and one or two
doctor visits a year.
medical usage
medical usage means that you and your family see the doctor a
few times a year for an illness, an injury or a chronic condition.
medical usage
medical usage means that you and your family use your medical
coverage to manage a complex condition, injury or procedure that requires a number of doctors' visits and perhaps
an inpatient hospital stay.
prescription usage
prescription usage
prescription usage
prescription usage
prescription usage
Each of the plans offers an associated savings account: either a Health Savings Account (HSA), or a
Flexible Spending Account (FSA). You can fund these accounts with pre-tax earnings, and then use the
funds during the plan year for reimbursing some of your out-of-pocket costs (deductibles, copays, and
coinsurance) and other eligible medical, vision, and dental expenses. This could help you save on taxes.
Health Savings Account (HSA)
For the HSA, funds that you don't use during the plan year remain yours and are carried over. HSA funds
can be invested, and your money grows tax-free, similar to a retirement account. You can use the funds to
pay for eligible health care expenses now or in retirement. To contribute to an HSA, you must be covered
under a high-deductible health plan (HDHP).
Flexible Spending Account (FSA)
For the FSA, funds are subject to a "use it or lose it" rule. For this reason, you should estimate your
FSA contribution carefully. Any FSA balance not spent at the end of the plan year is forfeited. In some
cases, a limited amount of unused FSA funds may be carried over. Be sure to check the specific rules.
See also
"What is an HSA?" and "What is an FSA?" in the
.
Medical Plans
In order to estimate the cost of care ("out-of-pocket costs") and other amounts displayed in the plan comparison chart,
the Medical Plan Cost Estimator applies certain plan provisions to your selected healthcare usage assumptions and the
contained in the tool. For your convenience, the table below describes the plan provisions modeled by this tool.
This table describes only the subset of plan provisions and services that are modeled in this tool and
is not a substitute for plan documents. For complete terms and conditions, refer to official plan documents.
In the event of any discrepancy between information contained in this tool and official plan documents, the
latter shall govern in all cases.
Dental Plans
Carefirst BCBS
UnitedConcordia PLUS DHMO
Cigna
Calendar Year Deductible (you pay)
In-Network:
$0
Out-Of-Network:
$50
N/A (No deductibles)
In-Network:
$0
Out-of-Network:
$50 individual /
$100 family
Class I: Diagnostic and Preventive (cleanings, X-rays, office visits)
100% of allowable charges
Based on fixed copayment fee schedule.
Exams/evaluations are a $5.00 copay.
Most other Class 1 services are provided with a $0 copay
100% of contracted rate
Class II: Basic Services (fillings, root canals, periodontics, oral surgery)
In-Network:
75% of allowable charges
Out-of-Network:
75% of allowable charges; subject to deductible
Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations.
In-Network:
75% of contracted rate
Out-of-Network:
75% of reasonable & customary; subject to deductible
Class III: Major Services (dentures, crowns, bridges)
In-Network:
50% of allowable charges
Out-of-Network:
50% of allowable charges; subject to deductible
Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations.
In-Network:
50% of contracted rate
Out-of-Network:
50% of reasonable & customary; subject to deductible
Class I, II, & III, Calendar Year Maximum Benefit
$1,500 combined
Annual maximums do not apply
$1,500 combined
Orthodontia
50% of allowable charges
You pay up to $2,900 (2-year case)
50% of contacted rate
Lifetime Maximum Benefit for Orthodontia
$1,500 total for in and out-of-network orthodontia services
Annual maximums do not apply
$1,500 total for in and out-of-network orthodontia services
Want a better understanding of your health benefits? All it takes is a minute or two! These short videos
explain key terms and concepts.
Learn more about health benefit terms and concepts in the
.
Learn more about health benefit terms and concepts in the
.
