Plan Savings - District With 536 Employees

Real-life example of one district's possible health plan savings

Compare coverages and costs of PriorityPOS^SM plus PriorityHSA^SM (our point-of-service health plan combined with a health savings account) with the MESSA health plan. All figures were taken from an actual quote - the numbers speak for themselves.  

Notes about this Priority Health quote:

• A deductible applies.
  
• Employer fully funds all employee HSAs and still experiences reduced costs.
  
• HSA funds cover employee deductible; employee pays only copays.

Medical Benefits
	Priority Health POS	Current MESSA
In-network coverage	100%	100%/90%
Out-of-network coverage	80%	N/A
Out-of-pocket maximum (in-network services)*	$4,000/$8,000	N/A
Deductible (in-network)	$1,100/$2,200	N/A
Deductible (out-of-network)	$3,000/$6,000	N/A
Preventive office visit	$0.00	$5.00
Prescription coverage	100% after deductible	$5.00/$10.00
Medical cost - per employee per month	$618.28	$1,055.00
Total singles	85	85
Total families	451	451
Annual medical costs	$3,976,776.96	$6,785,760.00
Health Savings aCcount CONTRIBUTIONS
	Priority Health HSA	Current MESSA
Annual employee cost	$0.00	N/A
Employer's annual HSA contribution per single employee**	$1,100.00
Employer's annual HSA contribution per family**	$2,200.00
Total annual employer HSA contribution	$1,085,700.00
DEMONSTRATED COST SAVINGS
	Priority Health POS + HSA	Current MESSA
Annual medical costs	$3,976,776.96	$6,785,760.00
Plus total annual employer HSA contribution	$1,085,700.00	-
Total annual medical costs	$5,062,476.96	$6,785,760.00
Annual savings (MESSA minus Priority Health)	$1,723,283.04	-
Annual savings per employee	$3,215.08	-

 *All HSA plans must have "out-of-pocket maximums" even if there is no coinsurance after the deductible. This includes copays, etc.

**Employer and employee may contribute to HSA account.