agenda what is an hsa? elements of consumerism hsa examples – do the math resources
DESCRIPTION
AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources Studies – HSAs are working! HSA Usage Trends Health Reform and CDHPs. [email protected]. Connect with Eric on Linked In! www.linkedin.com/in/ericjohnson262. 817-366-7536. Do the Math!. - PowerPoint PPT PresentationTRANSCRIPT
![Page 1: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/1.jpg)
Copyright 2010 First Horizon Msaver, Inc.
AGENDA
What is an HSA?
Elements of Consumerism
HSA Examples – Do the Math
Resources
Studies – HSAs are working!
HSA Usage Trends
Health Reform and CDHPs
Connect with
Eric on Linked In
!
www.linkedin.com/in
/ericjohnson262
817-366-7536
![Page 2: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/2.jpg)
Copyright 2010 First Horizon Msaver, Inc.
Do the Math!Do the Math!
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Copyright 2010 First Horizon Msaver, Inc.
Copay vs. HSA
$3k deductible 100% Copay Plan
$3k deductible 100% HDHP
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Copyright 2010 First Horizon Msaver, Inc.
Plan Design – No Copays
$3,000 Deductible
100% coverage after deductible
Dr: $30
Rx: $10 / $40 / $60
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
Plan Design – No Copays
$3,000 Deductible
100% coverage after deductible
Dr: Negotiated rate / deduct.
Rx: Negotiated rate / deduct.
HSA
$3,000 Deductible
100% coverage after deductible
Dr: $30
Rx: $10 / $40 / $60
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
Plan Design – No Copays
$3,000 Deductible
100% coverage after deductible
Dr: $30
Rx: $10 / $40 / $60
Monthly: $347
Yearly: $4,164
$3,000 Deductible
100% coverage after deductible
Dr: Negotiated rate / deduct.
Rx: Negotiated rate / deduct.
Monthly: $297
Yearly: $3,564
COPAY HSA
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Copyright 2010 First Horizon Msaver, Inc.
Premium Savings – Put in HSA
$3,000 Deductible
100% coverage after deductible
Dr: $30
Rx: $10 / $40 / $60
Monthly: $347
Yearly: $4,164
$3,000 Deductible
100% coverage after deductible
Dr: Negotiated rate / deduct.
Rx: Negotiated rate / deduct.
Monthly: $297
Yearly: $3,564
COPAY HSA
$600/year
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Copyright 2010 First Horizon Msaver, Inc.
What’s the Risk?
$3,000 Deductible
Doctor copays
Prescription copays
(all paid with after tax dollars)
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
What’s the Risk?
$3,000 Deductible
Doctor copays
Prescription copays
(all paid with after tax dollars)
$3,000 Deductible
$600 deposited in HSA
$2,400 Total Exposure
(all paid with pre-tax dollars)
COPAY HSA
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Example 1
Low Utilizer
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Copyright 2010 First Horizon Msaver, Inc.
Low Utilizer
Annual physical: $0
No other doctor visits or prescriptions
No refund from insurance company
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
Low Utilizer
Annual physical: $0
No other doctor visits or prescriptions
$600 in HSA to use for dental, vision, or future
medical expenses
HSA
Annual physical: $0
No other doctor visits or prescriptions
No refund from insurance company
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
Qualified Medical Expenses
Until
1/1/11
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Copyright 2010 First Horizon Msaver, Inc.
Great R.O.I. for Employers
Employers will get their money’s worth
Low Utilizers will appreciate their benefits
Employees will be happier
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Copyright 2010 First Horizon Msaver, Inc.
The Winner and New Champion
HSA
COPAY
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Example 2
Medium Utilizer
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Medium Utilizer
Annual physical: $0 Annual physical: $0
COPAY HSA
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Annual physical: $0
2 sick visits: $60
COPAY
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Medium Utilizer
Annual physical: $0
2 sick visits: ???
HSA
Annual physical: $0
2 sick visits: $60
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
Price Transparency Tools
www.FirstHorizonMsaver.com
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Copyright 2010 First Horizon Msaver, Inc.
Price Transparency Tools
Office Visit, Established Patient, Level 2 (zip code 76012)Minor problem requiring a limited exam and treatment – approximately 10 minutes with the doctor
$70
Office Visit, Established Patient, Level 3 (zip code 76012)Moderate problem requiring counseling and treatment, may require coordination of care with other providers – approximately 15 minutes with the doctor
$113
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Annual physical: $0
2 sick visits: $60
Annual physical: $0
COPAY HSA
2 sick visits: $226
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Annual physical: $0
2 sick visits: $60
Synthroid ($10) $120
Lipitor ($60) $720
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Annual physical: $0
2 sick visits: $60
Synthroid ($10) $120
Lipitor ($60) $720
COPAY
Annual physical: $0
2 sick visits: $226
Synthroid
Lipitor
HSA
?
![Page 25: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/25.jpg)
Copyright 2010 First Horizon Msaver, Inc.
Price Transparency Tools
www.FirstHorizonMsaver.com
![Page 26: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/26.jpg)
Copyright 2010 First Horizon Msaver, Inc.
Synthroid (100 MCG)
$26.09 $20.35
$20.35
$20.74
$22.83
$20.79
$18.24
MyFloridaRx.com
Insurance Insurance CompanyCompany
![Page 27: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/27.jpg)
Copyright 2010 First Horizon Msaver, Inc.
Lipitor (10 MG)
Not Listed $95.27
$95.27
$97.41
$99.95
$96.59
$88.80
Insurance Insurance CompanyCompany
![Page 28: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/28.jpg)
Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Annual physical: $0
2 sick visits: $60
Synthroid ($10) $120
Lipitor ($60) $720
COPAY
Annual physical: $0
2 sick visits: $226
Synthroid ($18) $216
Lipitor ($89) $1,068
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Annual physical: $0
2 sick visits: $60
Synthroid ($10) $120
Lipitor ($60) $720
Total $900
COPAY
Annual physical: $0
2 sick visits: $226
Synthroid ($18) $216
Lipitor ($89) $1,068
Total $1,510
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Total: $900
COPAY
Total: $1,510
minus HSA: $ 600
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Total: $900
Total (after tax): $900
COPAY
Total: $1,510
minus HSA: $ 600
Total: $ 910
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Federal Income Tax Brackets 2010
Tax Rate Most Single Filers Married Couples Filing Jointly
10% Not over $8,375 Not over $16,750
15% $8,375 – $34,000 $16,750 – $68,000
25% $34,000 – $82,400 $68,000 – $137,300
28% $82,400 – $171,850 $137,300 – $209,250
33% $171,850 – $373,650 $209,250 – $373,650
35% Over $373,650 Over $373,650
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Total: $900
COPAY
Total: $1,510
minus HSA: $600
minus Tax Savings $378 (25%)
HSA
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Copyright 2010 First Horizon Msaver, Inc.
FICA Tax Rate 2010
6.2% of first $106,800
1.45% with no limit
7.65% matched by employerTOTAL
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Copyright 2010 First Horizon Msaver, Inc.
Texas Sales Tax Holiday
![Page 36: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/36.jpg)
Copyright 2010 First Horizon Msaver, Inc.
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Total: $900
Total (after tax): $900
COPAY
Total: $1,510
minus HSA: $600
minus Tax Savings $378 (25%)
Total: $532
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Total: $900
Total (after tax): $900
COPAY
Total: $1,510
minus HSA: $600
minus Tax Savings $378 (25%)
Total: $532
Savings vs. Copay: $368
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Medium Utilizer
Total: $900
Total (after tax): $900
Remaining Risk: $3,000 + add’l copays
COPAY
Total: $1,510
minus HSA: $600
minus Tax Savings $378 (25%)
Total: $532
Savings vs. Copay: $368
Remaining Risk: $1,490
HSA
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Copyright 2010 First Horizon Msaver, Inc.
The Winner and Still Champion
HSA
COPAY
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Example 3
High Utilizer
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Annual physical: $0
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Annual physical: $0
4 sick visits: $120
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Annual physical: $0
4 sick visits: $120
1 Generic ($10) $120
1 Brand ($40) $480
1 Non-Form. ($60) $720
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Annual physical: $0
4 sick visits: $120
1 Generic ($10) $120
1 Brand ($40) $480
1 Non-Form. ($60) $720
1 Hospital Visit: $3,000
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Annual physical: $0
4 sick visits: $120
1 Generic ($10) $120
1 Brand ($40) $480
1 Non-Form. ($60) $720
1 Hospital Visit: $3,000
Total: $4,440
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Annual physical: $0
4 sick visits: $120
1 Generic ($10) $120
1 Brand ($40) $480
1 Non-Form. ($60) $720
1 Hospital Visit: $3,000
Total: $4,440
Deductible: $3,000
COPAY HSA
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Total: $4,440
Deductible: $3000
minus HSA: $600
COPAY HSA
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Total: $4,440
Deductible: $3000
minus HSA: $600
minus tax savings: $750
COPAY HSA
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Total: $4,440
Total (after tax): $4,440
Deductible: $3,000
minus HSA: $600
minus tax savings: $750
Total (after tax): $1,650
COPAY HSA
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Total: $4,440
Total (after tax): $4,440
Deductible: $3,000
minus HSA: $600
minus tax savings: $750
Total (after tax): $1,650
Savings: $2,790
COPAY HSA
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Total: $4,440
Total (after tax): $4,440
Remaining Risk: Copays
Deductible: $3,000
minus HSA: $600
minus tax savings: $750
Total (after tax): $1,650
Savings: $2,790
COPAY HSA
![Page 53: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/53.jpg)
Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Annual physical: $0
6 sick visits: $180
2 Generic ($10) $240
2 Brand ($40) $960
2 Non-Form. ($60) $1,440
1 Hospital Visit: $3,000
Total: $5,820
COPAY
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Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Total: $5,820
Total (after tax): $5,820
Deductible: $3,000
minus HSA: $600
minus tax savings: $750
Total (after tax): $1,650
Savings: $4,170
COPAY HSA
![Page 55: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/55.jpg)
Copyright 2010 First Horizon Msaver, Inc.
High Utilizer
Total: $5,820
Total (after tax): $5,820
Remaining Risk: Copays
Deductible: $3,000
minus HSA: $600
minus tax savings: $750
Total (after tax): $1,650
Savings: $4,170
Remaining Risk: $0
COPAY HSA
![Page 56: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/56.jpg)
Copyright 2010 First Horizon Msaver, Inc.
Knockout!
![Page 57: AGENDA What is an HSA? Elements of Consumerism HSA Examples – Do the Math Resources](https://reader036.vdocument.in/reader036/viewer/2022070402/568137ef550346895d9faa8c/html5/thumbnails/57.jpg)
Copyright 2010 First Horizon Msaver, Inc.
The Undisputed Champion
HSA
COPAY
HSA
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Copyright 2010 First Horizon Msaver, Inc.
Dual Option
Choice is an important part of consumerism
At renewal, employees will do the selling