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Use this tool to estimate your annual costs and make an informed decision about which medical plan to choose.
Step 1: Tell us about you
Coverage level selected:
Coverage level selected:
Step 2: Tell us what's most important to you about a health care plan
Choosing a health care plan can be a balancing act. Some people may prefer plans with lower premiums, while others
may prefer plans with lower anticipated total costs. Another factor that might matter is whether a plan offers an
associated savings account. What matters most to you?
In the results, the tool will not highlight any specific plan.
In the results, the tool will highlight the plan with the lowest employee annual premiums.
In the results, the tool will highlight the plan with the lowest estimated employee total costs (i.e.
including an estimate for anticipated out-of-pocket costs.)
In the results, the tool will highlight the plan with the lowest estimated employee worst case total costs
(i.e. including an estimate for potential worst case out-of-pocket costs.)
In the results, the tool will highlight the plan with access to a Health Savings Account (HSA)
that has the lowest estimated employee total costs.
In the results, the tool will highlight the plan with access to a Flexible Spending Account (FSA)
that has the lowest estimated employee total costs.
Step 3: Tell us about your and your family's health care needs for the coming year
Use the menus below to select from a variety of "Quick Scenarios" for each family member.
For definitions, please see the
.
For definitions, please see the
and the
.
To customize the comparison, select the "My own scenario" tab and enter the frequency by medical plan service.
You can also view the .
Step 4: See what you'll spend annually
Coverage level:
Based on your inputs and what you indicated matters most to you, the plan with
the lowest employee annual premiums is thethe lowest estimated employee total costs is thelowest estimated employee worst case total costs is theaccess to an HSA with the lowest estimated employee total costs is theaccess to an FSA with the lowest estimated employee total costs is the
.
No plan matched your specified criteria.
Total employee medical expenses (indicated by a number above each bar) excludes all company costs.
Use step 5 to see how an HSA or FSA can help you pay these expenses.Use the Savings Account section to see how an HSA or FSA can help you pay these expenses.
Compare how much you'll spend (continued)
Step 5: See the impact of using your HSA or FSA
A Health Savings Account (HSA) or Flexible Spending Account (FSA) can help you
save on taxes when paying for care and planning ahead for future expenses.
I am age 55 or older and qualify for the increased HSA contribution limit.
HSA:
My desired HSA contribution: .
HSA contribution changed. Scroll up to see updated chart.
FSA:
My desired FSA contribution: .
FSA contribution changed. Scroll up to see updated chart.
Slide the bars above to see how savings account contributions can
help you cover your out-of-pocket health care costs.
Unused account funds you could carry over from 2024, if any:
Funds carried over from 2024: .
Carryover amount changed. Scroll up to see updated chart.
Funding to apply toward the cost of care:
Funding sources to apply toward the cost of care:
.
Cost of care
Before claims
Claim reimbursements
After claims
Company funding
Employee funding*
Employee funding*
(to be determined next)
Contribution limit
Company match
Company funding
Carried over from 2024
Carried over from 2024
(to be determined next)
Total funding
Applied to cost of care
Forfeited excess rollover
Potential rollover amount
*Subject to applicable plan limits.
Did you find this comparison useful?
Employee plan premiums by pay period:
Paid weekly
Paid monthly
Step 6: Find out how you can save on taxes
When you finish estimating your health care costs, use the results to help you decide whether contributing to a plan's tax savings vehicle would be beneficial for you.
Select a plan in the dropdown menu below and then click "Show the tax calculator".
Tax Calculator
Plan: Plan Name
The maximum contribution you may make has been reduced by the company's funding amount.
Tax Calculator (continued)
(Exclude you and your spouse)
Use the sliders above to estimate your eligible out‑of‑pocket medical expenses for
the upcoming plan year.
Note: Do not use your browser's back button to return to the MPCE view.
Income tax filing status:
Number of dependents:
You must accept the terms of use to access the Medical Plan Cost Estimator tool.
Please click on Try again below to access the terms of use again.
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Please access the tool again using a more recent browser.
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:
Copays
Deductibles
+
Coinsurance
+
Not covered
+
Funds used
–
Employee's base annual premiums
Tobacco use surcharge
Spouse surcharge
Company wellness rewards
Employee's net annual premiums
Company's base annual premiums
Company wellness rewards
Company's net annual premiums
:
Welcome to CC Industries Medical Plan Cost Estimator tool. The purpose of this tool is to
help you estimate your annual out-of-pocket medical expenses, and to help you choose the medical plan that
best suits your needs.
We respect your privacy. None of the information you use to calculate your out-of-pocket
costs is collected or tracked, including your expected annual medical care. When you navigate away from
the Medical Plan Cost Estimator tool, your information is automatically discarded. You can print your
selections and criteria from the Medical Plan Cost Estimator tool. Please keep your printouts secure.
By using this tool, you are agreeing that you understand and accept the following:
Estimates are based on national average medical cost data and most of the specific provisions of the
medical coverage options provided by CC Industries. Because costs vary by provider and not all service
details are included, actual costs may vary from the costs the Medical Plan Cost Estimator tool provides.
Actual costs may also vary based on the order in which services are incurred and by the specific family
member using a service (if applicable). In the event of any contradiction between the information
contained in this tool and the Plan Documents, the Plan Documents shall govern in all cases.
If you do not accept these terms, you will not be able to access the site.
This tool is designed to help you choose the medical plan that is right for you in two easy steps:
The first is to tell us about you by selecting your level of coverage.
The second is to tell us about your and your family's expected health care needs for the coming year by
selecting whether you expect medical needs to be low, medium or high for each family member.
Then, you'll be able to see an estimate of what you'll spend annually for the upcoming year under each
medical plan option. You can also use the savings account section to consider how much you should
contribute on a before-tax basis to cover your expected medical expenses.
Optimal Viewing
This tool is designed for optimal performance in recent versions of Google Chrome, Mozilla Firefox,
Microsoft Edge, and Apple Safari. If you are using an earlier version or a web browser not listed, you
may experience errors or be unable to use the tool. In this case, please access the tool again using
one of the listed web browsers. For best viewing, set the screen resolution to 1024 x 768 or higher.
Results are based on your projected expenses. You should also consider your level of comfort with risk and the
possibility of unforeseen expenses.
Costs for medical services assume that you received care from in-network providers.
Costs for medical services are based on national averages and may be higher or lower depending on where you live.
"Annual employee premiums" refers to your total annual pre-tax employee medical payroll contribution.
"Cost of care ('out-of-pocket costs')" refers to your deductible and cost of care including copays, coinsurance and
expenses that the medical plan doesn't cover.
"HSA contributions" refers to pre-tax contributions you make to a Health Savings Account that are used to
pay for eligible expenses in the HSA plan(s).
"FSA contributions" refers to pre-tax contributions you make to a Health Care Flexible Spending Account that
are used to pay for eligible expenses under the FSA plan(s).
Please note: This Medical Plan Cost Estimator tool is a financial comparison tool that allows
you to estimate relative costs across your medical options. Estimates are based on national average medical cost
data and most of the specific provisions of the medical coverage options provided by CC Industries. Because costs
vary by provider and not all service details are included, actual costs may vary from the costs the Medical Plan
Cost Estimator tool provides. Actual costs may also vary based on the order in which services are incurred and by
the specific family member using a service (if applicable). In the event of any contradiction between the information
contained in this tool and the Plan Documents, the Plan Documents shall govern in all cases. To protect your
privacy, your entries are not systematically tracked. Please remember to print any scenarios you want to look at
later; your information is lost when you leave this tool, refresh the page, or go to another web page.
This tool does not store your personal information nor your expected health care usage in any database.
Such information is automatically discarded when you navigate away from this tool.
You can preserve your modeled scenario for later use by bookmarking the URL shown below. Your selections are
encoded in this URL, so do not share it with others if you wish to keep private any details in your scenario.
Here's a text version if you would prefer to copy and paste the URL:
This scenario URL might not be valid in a future version of this tool, so consider also printing
your results using the "Print" link found within the tool. Please keep your printouts secure and use
caution when sending to shared printers.
The following health care cost assumptions are used in the tool:
Please note that the estimates are based on average health care costs.
Because costs can vary by provider and by region, your actual costs
may differ from the national averages used by this tool.
Unit costs above represent the average allowed charge for each service. The allowed
charge is the amount of submitted charges eligible for payment for all claims according
to health plan documents/contracts. Specifically, it is the amount eligible after
applying pricing guidelines, but before deducting third party, copayment, coinsurance,
or deductible amounts. The allowed charge represents the amount a plan will consider
for adjudication for a covered service. The unit costs above include network and
non-network services.
In the event of any discrepancy between the information contained in this
tool and official plan documents, the latter shall govern in all cases.
Please select the group that applies to you.
Indicate whether you would like to include coverage for yourself, or for yourself and a spouse.
If you have more than five children, consider combining expenses for children to estimate your total family costs.
Please select the region that best represents where you live. While costs vary somewhat from region to
region, the differences are generally not significant and may not affect your overall results.
Please indicate your salary band. Annual employee premiums will vary based on your selection.
To qualify for favorable deductions, each individual indicated must have:
completed a well-being assessment by the deadline, and
completed a health screening by the deadline.
A premium surcharge may apply if an indicated individual is a tobacco user and
has not participated a smoking-cessation program.
A premium surcharge may apply if your spouse is offered medical coverage through
his or her employer but you choose to cover him or her instead.
Select "No" if your spouse does not work or is not eligible for medical coverage through
his or her employer. The surcharge would not apply.
Select "Yes" if your spouse is eligible for medical coverage through his/her employer and
is not enrolled in his or her employer's plan. The surcharge would apply.
health care usage means that you and your family typically only use
your medical coverage for preventive care (i.e., some lab tests and preventive prescription drugs) and one or two
doctor visits a year.
health care usage means that you and your family see the doctor a
few times a year for an illness, an injury or a chronic condition and incur prescription drug costs.
health care usage means that you and your family use your medical
coverage to manage a complex condition, injury or procedure that requires a number of doctors' visits, prescription
drugs on a regular basis and perhaps an inpatient hospital stay.
medical usage means that you and your family typically only use
your medical coverage for preventive care (e.g. some lab tests) and one or two doctor visits a year.
medical usage means that you and your family see the doctor a
few times a year for an illness, an injury or a chronic condition.
medical usage means that you and your family use your medical
coverage to manage a complex condition, injury or procedure that requires a number of doctors' visits and perhaps
an inpatient hospital stay.
prescription usage
prescription usage
prescription usage
[Information about savings account options could go here]
In order to estimate the cost of care ("out-of-pocket costs") and other amounts displayed in the plan comparison chart,
the Medical Plan Cost Estimator applies certain plan provisions to your selected health care usage assumptions and the
contained in the tool. For your convenience, the table below describes the plan provisions modeled by this tool.
This table describes only the subset of plan provisions and services that are modeled in this tool and
is not a substitute for plan documents. For complete terms and conditions, refer to official plan documents.
In the event of any discrepancy between information contained in this tool and official plan documents, the
latter shall govern in all cases.
