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Use this tool to estimate your annual costs and make an informed decision about which health plan to choose.
|Coverage level selected:|
Choosing a health care plan can be a balancing act. Some people may prefer plans with lower premiums, while others may prefer plans with lower anticipated total costs. Another factor that might matter is whether a plan offers an associated savings account. 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 out-of-pocket costs.
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.
Think about the amount of health care 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 .
|Based on your inputs and what you indicated matters most to you, the plan with the lowest employee annual premiums is the the lowest estimated out-of-pocket costs is the the lowest estimated employee total costs is the lowest estimated employee worst case total costs is the access to an HSA with the lowest estimated employee total costs is the access to an FSA with the lowest estimated employee total costs is the .|
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.
Slide the bars above to see how savings account contributions can help you cover your out-of-pocket health care costs.
|Cost of care|
|Employee funding*||(to be determined next)|
|Carried over from 2022|
|Carried over from 2022||(to be determined next)|
Applied to cost of care:
|Forfeited excess rollover|
|Potential rollover amount|
|*Subject to applicable plan limits.|
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".
* The maximum contribution you may make has been reduced by the company's funding amount.
|Income tax filing status:|
|Number of dependents:|
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Welcome to the Medical Plan Cost Estimator. The purpose of this tool is to assist you in choosing a health plan and understanding the advantages of tax-free accounts by helping you estimate your annual health care expenses.
We respect your privacy. None of the information you use to calculate your out-of-pocket costs is collected or tracked, including your expected annual health care expenses. When you navigate away from this tool, your information is automatically discarded. You can print your selections and criteria from this tool. Please keep your printouts secure and use caution when printing to shared printers.
By using this tool, you are agreeing that you understand and accept the following:
Estimates are based on national average service costs. Because costs vary by provider and not all service details are included, actual costs may differ from what is shown in this tool. 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 health plan that is right for you in two easy steps:
Then, you'll be able to see an estimate of what you'll spend annually for the upcoming year under each health 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 health care expenses.
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 partner.
If you have more than five 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 annual salary band. Annual employee premiums will vary based on your selection.
To qualify for reduced premiums, each individual indicated must have:
A premium surcharge may apply if a covered individual is a tobacco user and has not participated in a smoking-cessation program.
A premium surcharge may apply if your spouse/partner is offered medical coverage through their employer but you choose to cover them instead.
Select "No" if your spouse/partner 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/partner is eligible for medical coverage through his/her employer and is not enrolled in his or her employer's plan. The surcharge would apply.
medical usage means that you and your family typically only use your medical coverage for preventive care (e.g. some lab tests) and one or two doctor visits a year.
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 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.
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.
To estimate the cost of care ("out-of-pocket costs") and other amounts displayed in the plan comparison chart, this tool applies certain plan provisions to your selected health care usage assumptions and the contained in the tool. For your convenience, the table below describes the plan provisions modeled by this tool.
|Carefirst BCBS||UnitedConcordia PLUS DHMO||Cigna|
|Calendar Year Deductible (you pay)||
|N/A (No deductibles)||
|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)||
75% of allowable charges
75% of allowable charges; subject to deductible
|Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations||
75% of contracted rate
75% of reasonable & customary; subject to deductible
|Class III: Major Services (dentures, crowns, bridges)||
50% of allowable charges
50% of allowable charges; subject to deductible
|Based on fixed copayment fee schedule. Subject to plan Exclusions and Limitations||
50% of contracted rate
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|
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Want a better understanding of your health benefits? All it takes is a minute or two! These short videos explain key terms and concepts.