{"id":8622,"date":"2023-05-16T15:01:56","date_gmt":"2023-05-16T15:01:56","guid":{"rendered":"https:\/\/commpart.com\/renovo\/?p=8622"},"modified":"2023-05-16T15:07:36","modified_gmt":"2023-05-16T15:07:36","slug":"lifestyle-examples","status":"publish","type":"post","link":"https:\/\/commpart.com\/renovo\/lifestyle-examples\/","title":{"rendered":"Lifestyle Examples"},"content":{"rendered":"\t\t
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Lifestyle Examples<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Lifestyle Examples<\/h1>\n

If you\u2019re still scratching your head about which plan to pick, we\u2019ve put together a few examples that illustrate the difference in cost for people who have low, medium, and high medical plan usage and the costs they might incur.<\/p>\n

Low Usage<\/h2>\n

Aubrey is a marathon runner and doesn\u2019t typically have many medical expenses. This year she\u2019s had one office visit<\/strong> for a bad cold that cost $150 and no other medical expenses<\/strong>.<\/p>\n\n\n\n\n\n\n\n\n\n\n
\n

Individual Coverage<\/strong><\/p>\n<\/td>\n

\n

PPO<\/strong><\/p>\n<\/td>\n

\n

HDHP<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Copays (including Rx)<\/strong><\/p>\n<\/td>\n

\n

$15<\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n<\/tr>\n

\n

Deductibles<\/strong><\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n

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$150<\/p>\n<\/td>\n<\/tr>\n

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Coinsurance<\/strong><\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n<\/tr>\n

\n

Total Aubrey owes in medical expenses<\/strong><\/p>\n<\/td>\n

\n

$15<\/strong><\/p>\n<\/td>\n

\n

$150<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Sportradar HSA contribution<\/strong><\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n

\n

$250<\/p>\n<\/td>\n<\/tr>\n

\n

Annual premiums<\/strong><\/p>\n<\/td>\n

\n

$1,169<\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n<\/tr>\n

\n

Total employee out-of-pocket cost this year<\/strong><\/p>\n<\/td>\n

\n

$1,184<\/strong><\/p>\n<\/td>\n

\n

$0<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

In the above example, Aubrey can save $1,184 in annual medical expenses by enrolling in the HSA plan. In addition to saving money in out-of-pocket costs, she is able to save $100 of Sportradar\u2019s contribution to the HSA\u2014on top of her own contributions, if any\u2014for future medical expenses.<\/p>\n

Medium Usage<\/h2>\n

The Smith family is having their second baby. Throughout the year, the family has multiple office visits, prescriptions and expenses associated with a healthy child birth.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n

Family Coverage<\/strong><\/p>\n<\/td>\n

\n

PPO<\/strong><\/p>\n<\/td>\n

\n

HDHP<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Copays (including Rx)<\/strong><\/p>\n<\/td>\n

\n

$120<\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n<\/tr>\n

\n

Deductibles<\/strong><\/p>\n<\/td>\n

\n

$1,000<\/p>\n<\/td>\n

\n

$3,000<\/p>\n<\/td>\n<\/tr>\n

\n

Coinsurance<\/strong><\/p>\n<\/td>\n

\n

$2,380<\/p>\n<\/td>\n

\n

$500<\/p>\n<\/td>\n<\/tr>\n

\n

Total the Smiths owe in medical expenses<\/strong><\/p>\n<\/td>\n

\n

$3,500<\/strong><\/p>\n<\/td>\n

\n

$3,500<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Sportradar HSA contribution<\/strong><\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n

\n

$500<\/p>\n<\/td>\n<\/tr>\n

\n

Annual premiums<\/strong><\/p>\n<\/td>\n

\n

$3,593<\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n<\/tr>\n

\n

Total employee out-of-pocket cost this year<\/strong><\/p>\n<\/td>\n

\n

$7,093<\/strong><\/p>\n<\/td>\n

\n

$3,000<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

In the above example, the Smith family can save $4,093 in annual medical expenses by enrolling in the HSA plan assuming they use the $500 of Sportradar\u2019s contribution to their HSA to pay for medical costs.<\/p>\n

High Usage<\/h2>\n

Luke suffers from anxiety. He treats his anxiety by having regular therapy sessions and medication.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n

Individual Coverage<\/strong><\/p>\n<\/td>\n

\n

PPO<\/strong><\/p>\n<\/td>\n

\n

HDHP<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Copays (including Rx)<\/strong><\/p>\n<\/td>\n

\n

$390<\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n<\/tr>\n

\n

Deductibles<\/strong><\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n

\n

$1,500<\/p>\n<\/td>\n<\/tr>\n

\n

Coinsurance<\/strong><\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n

\n

$600<\/p>\n<\/td>\n<\/tr>\n

\n

Total Aubrey owes in medical expenses<\/strong><\/p>\n<\/td>\n

\n

$390<\/strong><\/p>\n<\/td>\n

\n

$2,100<\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

Sportradar HSA contribution<\/strong><\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n

\n

$250<\/p>\n<\/td>\n<\/tr>\n

\n

Annual premiums<\/strong><\/p>\n<\/td>\n

\n

$1,169<\/p>\n<\/td>\n

\n

$0<\/p>\n<\/td>\n<\/tr>\n

\n

Total employee out-of-pocket cost this year<\/strong><\/p>\n<\/td>\n

\n

$1,559<\/strong><\/p>\n<\/td>\n

\n

$1,850<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

In the above example, Luke can save $291 in annual medical expenses by enrolling in the PPO plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Lifestyle Examples Lifestyle Examples If you\u2019re still scratching your head about which plan to pick, we\u2019ve put together a few examples that illustrate the difference in cost for people who have low, medium, and high medical plan usage and the costs they might incur. Low Usage Aubrey is a marathon runner and doesn\u2019t typically have […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8622","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nLifestyle Examples - Benefits Powered by Renovo Home Partners<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/commpart.com\/renovo\/lifestyle-examples\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lifestyle Examples - Benefits Powered by Renovo Home Partners\" \/>\n<meta property=\"og:description\" content=\"Lifestyle Examples Lifestyle Examples If you\u2019re still scratching your head about which plan to pick, we\u2019ve put together a few examples that illustrate the difference in cost for people who have low, medium, and high medical plan usage and the costs they might incur. 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