BHT Investment - 2022 Employee Benefit Guide
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WHICH MEDICAL INSURANCE PLAN IS<br />
RIGHT FOR YOU?<br />
Choosing the right medical plan is an important decision. Take<br />
the time to learn about your options to ensure you select the<br />
right plan for you and your family.<br />
THINGS TO CONSIDER<br />
1. Do you prefer to pay more for medical insurance out of your<br />
paycheck, but less when you need care?<br />
2. Or, do you prefer to pay less out of your paycheck, but more<br />
when you need care?<br />
3. What planned medical services do you expect to need in the<br />
upcoming year?<br />
4. Do you or any of your covered family members take<br />
prescription medications on a regular basis?<br />
MEDICAL RATES<br />
Option 1<br />
HDHP Plan<br />
Option 2<br />
PPO Buy-Up Plan<br />
Option 3<br />
PPO Buy-Up Plan<br />
COVERAGE<br />
LEVEL<br />
Monthly<br />
Employer<br />
Pays<br />
<strong>Employee</strong><br />
Monthly<br />
<strong>Employee</strong><br />
Weekly<br />
Monthly<br />
Employer<br />
Pays<br />
<strong>Employee</strong><br />
Monthly<br />
<strong>Employee</strong><br />
Weekly<br />
Monthly<br />
Employer<br />
Pays<br />
<strong>Employee</strong><br />
Monthly<br />
<strong>Employee</strong><br />
Weekly<br />
<strong>Employee</strong> Only $400.68 $246.26 $154.42 $35.64 $669.08 $291.89 $377.19 $87.04 $839.86 $346.77 $493.09 $113.79<br />
EE & Spouse $801.35 $333.51 $467.84 $107.96 $1,338.14 $416.85 $921.29 $212.61 $1,679.70 $534.52 $1,145.18 $264.27<br />
EE & Child(ren) $641.07 $298.61 $342.46 $79.03 $1,070.50 $366.86 $703.64 $162.38 $1,343.75 $459.42 $884.33 $204.08<br />
EE & Family $1,081.80 $394.57 $687.23 $158.59 $1,806.46 $504.31 $1,302.15 $300.50 $2,267.55 $665.91 $1,601.64 $369.61<br />
COMPARING YOUR MEDICAL PLAN OPTIONS<br />
PPO<br />
• Higher cost per paycheck<br />
• Lower deductible<br />
HDHP<br />
• Lower cost per paycheck<br />
• Higher deductible<br />
• Can fund a health savings account (HSA)<br />
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