[ 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. Don’t forget to review what’s new for next year before you enroll.

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)		 $1,650 Employee-only $2,650 Employee-only
COMPANY HSA CONTRIBUTION
(THIS AMOUNT CAN BE USED TO MEET OLIVIA’S DEDUCTIBLE)		 $1,000 Employee-only $750 Employee-only
REMAINING DEDUCTIBLE $650 $1,900
OLIVIA’S ANNUAL CONTRIBUTIONS FOR EMPLOYEE-ONLY COVERAGE $912 (12 x $76) $336 (12 x $28)
TOTAL ESTIMATED OUT-OF-POCKET COSTS
(OLIVIA’S REMAINING DEDUCTIBLE + HER ANNUAL CONTRIBUTIONS)		 $1,562 $2,236
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 $1,900 to cover the 2025 deductible.
  • 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 $40 monthly Wellness Surcharge again in 2026.
  • 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 the most part, everyone is healthy, but Kevin learned he has prediabetes at his last check-up. 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 more cost predictability, so he chooses the HSA Select Plan. He also notes the new quarterly timing for Company HSA contributions means he’ll have more funds to cover out-of-pocket costs, which is a big plus.

HSA SELECT PLAN HSA CHOICE PLAN
FAMILY DEDUCTIBLE
(AMOUNT KEVIN HAS TO PAY BEFORE THE PLAN PAYS BENEFITS)		 $3,300 Family $5,300 Family
COMPANY HSA CONTRIBUTION
(THIS AMOUNT CAN BE USED TO MEET KEVIN’S DEDUCTIBLE)		 $2,000 Family $1,500 Family
REMAINING DEDUCTIBLE $1,300 $3,800
KEVIN’S ANNUAL CONTRIBUTIONS FOR EMPLOYEE+FAMILY COVERAGE $2,760 (12 x $230) $1,008 (12 x $84)
TOTAL ESTIMATED OUT-OF-POCKET COSTS
(KEVIN’S REMAINING DEDUCTIBLE + HIS ANNUAL CONTRIBUTIONS)		 $4,060 $4,808
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 $2,500 to cover the remaining deductible ($1,300) and the additional out-of-pocket costs he’s likely to incur.
  • 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 once it’s available in 2025 for real-time support with anticipated claims and provider questions.
  • 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 reviewed what’s new and 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, and she’s more comfortable with the lower out-of-pocket maximum.

HSA SELECT PLAN HSA CHOICE PLAN
EMPLOYEE + SPOUSE DEDUCTIBLE
(AMOUNT MAUREEN HAS TO PAY BEFORE THE PLAN PAYS BENEFITS)		 $3,300 Employee + Spouse $5,300 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 $1,300 $3,800
MAUREEN’S ANNUAL CONTRIBUTIONS FOR EMPLOYEE + SPOUSE COVERAGE $2,016 (12 x $168) $732 (12 x $61)
TOTAL ESTIMATED OUT-OF-POCKET COSTS
(MAUREEN’S REMAINING DEDUCTIBLE + HER ANNUAL CONTRIBUTIONS)		 $3,316 $4,532
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 most of the estimated out-of-pocket costs for next year and lower their taxable income while they keep saving toward eligible retiree healthcare expenses.
  • 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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