1. Find the following annual premium, deductible, and out-of-pocket maximum information
from the three Ball State medical plan options for both an individual and a family of 4,
assuming all medical expenses are from a Preferred Network provider:
This information is available from
http://cms.bsu.edu/about/administrativeoffices/payrolleb/benefits
in the third, fourth, and fifth links down the page (Plan Summary Pages for each plan). Premium
information is available in the sixth link down the page (Premium Rates Short Plan Year). Please
notice that the out-of-pocket maximum DOES NOT include the deductible for the first two plans,
but DOES include the deductible for the High Deductible HSA Plan.
Low Deductible
High Deductible Wellness
Health Savings Account Plan
Individual Premium:
Individual Premium:
Individual Premium:
Individual Deductible:
Individual Deductible:
Individual Deductible:
Individual OOP Max:
Individual OOP Max:
Individual OOP Max:
Family Premium:
Family Premium:
Family Premium:
Family Deductible:
Family Deductible:
Family Deductible:
Family OOP Max:
Family OOP Max:
Family OOP Max:
2. What is the worst-case scenario for an individual (assuming all medical expenses are from
Preferred Network providers) under each plan? In other words, what is the most an individual
would ever have to pay in 2013 for medical expenses (at Preferred Network providers)?
3. What is the worst-case scenario for a family of 4 (assuming all medical expenses are from
Preferred Network providers) under each plan? In other words, what is the most a family of 4
would ever have to pay in 2013 for medical expenses (at Preferred Network providers)?
4. If you were employed by BSU, which plan would you choose if you were an individual?
Why?
5. If you were employed by BSU with a family of 4, which plan would you choose? Why?
