[ HOW OTHERS CHOOSE ]

SEE WHAT PEOPLE LIKE YOU DECIDE

Not sure which benefits and coverage you need? Consider the following examples to see how others at three different life stages choose the right coverage. 

Olivia Is Just Starting Out — age 26
Olivia is single with no kids. She goes to her primary care doctor for her annual wellness visit but otherwise rarely gets care. Olivia doesn’t use tobacco and stays active by hiking with her dog. She’s paying off student loan debt and knows the Company contribution to her HSA will help manage out-of-pocket medical costs. Olivia chooses the HSA Choice Plan because she doubts she’ll meet the annual deductible and she prefers the lower monthly contributions.

HSA SELECT PLAN HSA CHOICE PLAN
EMPLOYEE-ONLY DEDUCTIBLE
(AMOUNT OLIVIA HAS TO PAY BEFORE THE PLAN PAYS BENEFITS)		 $2,000 Employee-only $3,000 Employee-only
COMPANY HSA CONTRIBUTION
(THIS AMOUNT CAN BE USED TO MEET OLIVIA’S DEDUCTIBLE)		 $1,000 Employee-only $750 Employee-only
REMAINING DEDUCTIBLE $1,000 $2,250
COINSURANCE (OLIVIA’S RESPONSIBILITY OF THE COST WHEN SHE RECEIVES IN-NETWORK CARE) 20% 30%

Olivia explores the other benefits available to her and:

  • Elects the Value Plan for Dental and waives Vision coverage.
  • Sets her HSA contribution at $2,500 to cover the 2026 deductible and hopefully have a little money to roll over into the next year.
  • Elects discounted pet insurance through the new ASPCA Pet Health Insurance plan.
  • Makes a note to complete her health screening and blood draw to avoid the $480/year wellness surcharge again in 2027.
  • Schedules a consultation with Morgan Stanley at Work to help with budgeting and a plan to pay off her student loan debt faster.
Kevin’s Family Is Growing — age 40

Kevin and his wife Megan just purchased a larger home and are expecting their second baby next summer. Megan is a stay-at-home mom, so Kevin relies on his Worthington Enterprises benefits to cover everyone in his household. For now, his biggest concern is covering the hospital bills when the baby is born. He’s willing to pay more per month in exchange for the higher Company HSA contribution and the lower coinsurance, so he chooses the HSA Select Plan. He also notes the new bi-annual timing for Company HSA contributions means he’ll have more funds to cover out-of-pocket costs earlier in the year, which is a big plus.

HSA SELECT PLAN HSA CHOICE PLAN
FAMILY DEDUCTIBLE
(AMOUNT KEVIN HAS TO PAY BEFORE THE PLAN PAYS BENEFITS)		 $4,000 Family $6,000 Family
COMPANY HSA CONTRIBUTION
(THIS AMOUNT CAN BE USED TO MEET KEVIN’S DEDUCTIBLE)		 $2,000 Family $1,500 Family
REMAINING DEDUCTIBLE $2,000 $4,500
COINSURANCE (KEVIN’S RESPONSIBILITY OF THE COST WHEN HE RECEIVES IN-NETWORK CARE) 20% 30%

Kevin also:

  • Elects the Value Plan for Dental and for Vision.
  • Sets his HSA contribution at $5,275 to cover the remaining deductible ($2,000) and the additional out-of-pocket costs.
  • Enrolls in the Legal Plan to help with estate planning.
  • Elects Supplemental Life Insurance for himself and his wife.
  • Makes a note to download the Sydney Health app for personalized, real-time support.
  • Sets a reminder for early July to add his baby to his benefits.
Maureen Is Nearing Retirement — age 60

Maureen usually lets her medical benefit elections roll over each year, but she wants to take a fresh look at her options. Maureen and her husband Frank compare their employer benefits and decide to enroll in Employee + Spouse coverage through Worthington because it will save them more money than enrolling in separate coverage. As far as their health status, Maureen is active but takes blood pressure medication, and Frank may need to have his knee replaced. Maureen elects the HSA Select Plan because she’s confident they’ll hit the annual deductible, especially if Frank needs surgery.

HSA SELECT PLAN HSA CHOICE PLAN
EMPLOYEE + SPOUSE DEDUCTIBLE
(AMOUNT MAUREEN HAS TO PAY BEFORE THE PLAN PAYS BENEFITS)		 $4,000 Employee + Spouse $6,000 Employee + Spouse
COMPANY HSA CONTRIBUTION
(THIS AMOUNT CAN BE USED TO MEET MAUREEN’S DEDUCTIBLE)		 $2,000 Employee + Spouse $1,500 Employee + Spouse
REMAINING DEDUCTIBLE $2,000 $4,500
COINSURANCE (MAUREEN’S RESPONSIBILITY OF THE COST WHEN SHE RECEIVES IN-NETWORK CARE) 20% 30%

Maureen also:

  • Elects the Premier Plan for Dental and Vision.
  • Sets their HSA contribution at $4,000 to cover the remaining deductible and estimated out-of-pocket costs for next year.
  • Elects Supplemental Life Insurance for herself and Frank.
  • Encourages Frank to try Hinge Health to see if it helps with his knee.
  • Reaches out to Medicare Choice Group to figure out what she can do now to prepare for Medicare when she’s eligible.

Need Help Deciding?

Try our quick and confidential online comparison quiz. Answer some questions about your needs and lifestyle to receive suggestions for which options may work best for you.

worthingtonbenefitsquiz.com

PHONE | 877.840.6506
EMAIL | WPC@wthg.com
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