Plan Cost Calculator · Better Benefits USA

Health care usage Annual visits and allowed (negotiated) cost each

Days per hospital stay Critical illness diagnosis Other accident lump sums ($) Injuries came from an accident Hospital stay is behavioral health

Preventive care is free on both plans and is left out. "Other accident lump sums" covers fracture, dislocation, and similar schedule payments.

Plans Copays from each SBC

Check "After ded." when the copay applies only after the deductible. Until then, the member pays the full allowed cost.

HSA and taxes Applies to HSA-eligible plans

Annual HSA contribution ($) Federal marginal rate (%) State rate (%) Contributions through payroll (adds 7.65% FICA)

Supplemental coverage Accident, hospital indemnity, critical illness

Include supplementals Apply to Employer pays premiums Paid pre-tax (HI and CI payouts taxable)

Monthly premiums

Accident ($/mo) Hospital indemnity ($/mo) Critical illness ($/mo)

Hospital indemnity

Per admission ($) Per day after admission ($) Max admissions per year Max days per year

Accident

ER visit ($) X-ray ($) Major diagnostic exam ($, once) Hospital admission ($) Per hospital day ($) Follow-up visit ($, up to 6) Therapy day ($, up to 10)

Critical illness and EAP

CI benefit amount ($) Free EAP counseling sessions

Defaults come from the Guardian proposal (employee-only rates). Hospital indemnity pays nothing for behavioral health stays.

Rx program $0 generic formulary

Include Rx program Apply to Monthly fee per member ($)

When on, Tier 1 generic fills cost $0 and no longer count toward the plan deductible. Brand and specialty fills stay on the plan.

Every scenario with these plan settings