Anthem Healthcare Analysis
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Est. monthly med expPrem.Ind. Ded.Co-ins.Max-OOPEst. annual med expDed. PaidCo-ins. PaidAnnual Prem.Total SpendWorst case spendBest case spendAverage Total Spend across variants
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20081550020.00%200024001000280978012860162201286014460
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80081550020.00%2000960010001720978014300
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160081550020.00%20001920010003640978016220
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200561250020.00%2000240024000673210932163721093213919
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800561250020.00%200096005000920673214452
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1600561250020.00%20001920050002840673216372
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20059525000.00%0240024000714011340139401134013073
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80059525000.00%0960050000714013940
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160059525000.00%01920050000714013940
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20048350000.00%02400240005796999617596999614929
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80048350000.00%0960096000579617196
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160048350000.00%019200100000579617596
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200406100000.00%02400240004872907225872907217072
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800406100000.00%0960096000487216272
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1600406100000.00%019200192000487225872
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NOTES:
1. These are ALL Premier plans with different premiums, deductibles, etc.
2. The monthly medical expenses is the amount you'd put on a card at a doctor assuming health insurance (i.e. it's part deductible, part co-insurance); the levels in that estimate are to show BAD health and good health years (tweak easily with the base and factor cells to the left).
3. The maximum OOP is only applied to co-insurance (lines 8-10 you pay $2500 deductible plus upto $2000 co-insurance)
4. The deductible and Max-OOP are individual levels but when computed for "Ded. Paid" are computed worst case of hitting the "family deductible" which is 2X the individual level.
5. Prescription drugs aren't included in deductible/co-insurance for the medical plan but instead are the greater of $15 or 40% co-insurance with a limit of $10k OOP for specialty drugs. This model assumes 10 prescriptions per month (2 per person in the family) all of which are available in generic form at $15.
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Base200
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Factor4
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Drugs/mo.150
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