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Use this tool to estimate your annual costs and make an informed decision about which medical plan to choose.

Tell us about you
Coverage level selected:
Coverage level selected:
Tell us what's most important to you about a healthcare plan

Choosing a healthcare 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 teammate annual premiums.

In the results, the tool will highlight the plan with the lowest estimated teammate 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 teammate 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 teammate total costs.

In the results, the tool will highlight the plan with access to a Flexible Spending Account (FSA) that has the lowest estimated teammate total costs.

Enter your expected plan usage

Think about the amount of healthcare that you and any covered family members may need in the coming year. Use the menu(s) below to select from a variety of "Quick Scenarios". For definitions of the different usage levels, please see the . For definitions of the different usage levels, please see the and the . Or, you can create your own scenario under the "My own scenario" tab by customizing the frequency of each type of service. You can also view the .

Compare how much you'll spend
Coverage level:

Because your residence is out-of-area, the results shown assume you always use MedCost Network providers.

Based on your inputs and what you indicated matters most to you, the plan with the lowest teammate annual premiums is the the lowest estimated teammate total costs is the lowest estimated teammate worst case total costs is the access to an HSA with the lowest estimated teammate total costs is the access to an FSA with the lowest estimated teammate total costs is the .

No plan matched your specified criteria.

Compare how much you'll spend (continued)

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. If you participate in the Wake Health Savings Plan (in or out of area), you can contribute pre-tax earnings in an HSA and/or a Limited Purpose FSA. However, this tool only allows you to model contributions to an HSA.

Unused HSA funds will roll over from year to year. It’s yours to keep and you never lose it, even if you change jobs or retire.

If you participate in the Wake CoPay Plan (in our out of area), you can save pretax earnings in an FSA. If you leave Wake Forest Baptist Health you can elect COBRA to continue your FSA; your unused funds will be forfeited.

I am age 55 or older and qualify for the increased HSA contribution limit.

The IRS limits the amount you can contribute to a Flexible Spending Account (FSA) or Health Savings Account (HSA). The 2024 maximum contribution for the FSA is $3,050, and the limits for the HSA are $4,150 for an individual and $8,300 for a family.

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 healthcare costs.

Unused account funds you could carry over from 2020, if any:
Funds carried over from 2020: .
Carryover amount changed. Scroll up to see updated chart.

 .

Cost of care
Before claims
Claim reimbursements
After claims
 
Incentive funding
Teammate funding*
Teammate funding* (to be determined next)
Contribution limit
Incentive match
Incentive funding
Carried over from 2020
Carried over from 2020 (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?

View your potential tax savings

Use this tax calculator to see the benefits of contributing to a plan's tax-advantaged savings account.

Select a plan in the dropdown menu below and then click "Show the tax calculator".

Tax Calculator
Plan: Plan Name

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.

Income tax filing status:
Number of dependents:

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:
Copays
Deductibles+
Coinsurance+
Not covered+
 
Incentive used–
 
Teammate's base annual premiums
Tobacco use surcharge
Spouse surcharge
Company wellness rewards
Teammate's net annual premiums
Company's base annual premiums
Company wellness rewards
Company's net annual premiums
:

Welcome to the Decision Support Tool. The purpose of this tool is to assist you in choosing a medical plan and understanding the advantages of tax-free accounts by helping you estimate your annual medical expenses.

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 expenses. When you navigate away from the Decision Support Tool, your information is automatically discarded. You can print your selections and criteria from the Decision Support Tool. Please keep your printouts secure and use caution when printing to shared printers.

By using this tool, you are agreeing that you understand and accept the following:

Estimates are based on national average medical costs. Because costs vary by provider and not all service details are included, actual costs may differ from what is shown in the Decision Support Tool. 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.

This tool is designed to help you choose the medical plan that is right for you in two easy steps:

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.

This tool does not store your personal information nor your expected healthcare 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 healthcare cost assumptions are used in the tool:

  WFBH
Network		 MedCost
Network

Please note that the estimates are based on average healthcare 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.

A working spouse surcharge will apply if your spouse has access to their own health coverage and you elect to provide their coverage through an Wake Forest Baptist Health plan.

If you have more than five children, consider combining expenses for children to estimate your total family costs.

The Wake Forest Baptist Health service area is based on your home ZIP code and predominantly covers these counties: Alexander, Alleghany, Ashe, Burke, Caldwell, Catawba, Davidson, Davie, Forsyth, Guilford, Iredell, Randolph, Rockingham, Rowan, Stokes, Surry, Watauga, Wilkes and Yadkin. If your ZIP code crosses over county lines and your ZIP is in the service area, the determination will be based on your ZIP code and not your county of residence. See the full list of in area ZIP codes.

Full-time teammates work standard hours of 30 or more per week.

Part-time teammates work standard hours of 20-29 per week.

The Incentive you earn in 2019 is payable in January of 2020.

The deadline for completing the 2019 Incentive is October 4 for Know Your Numbers and November 5 for the Health Survey, Health Coaching and Financial Health.

You can earn up to 3 incentives (Financial, Physical, Personal) in 2023. The amount of each incentive is based on your coverage level: $225 each for Teammate Only coverage, $200 each for Teammate + Spouse coverage, $450 each for Teammate + Child(ren) coverage, and $400 each for Teammate + Family coverage. What you earn will be contributed to your HSA or Incentive Account.

The smoker/tobacco user health plan premium surcharge encourages you to make healthy decisions regarding tobacco use. During the enrollment process, you will need to certify that neither you nor your covered dependents smoke or use tobacco products, or you are currently enrolled in a tobacco cessation program, if you wish to avoid the premium surcharge.

You will be subject to a spousal surcharge if BOTH of the conditions listed below are met:

If only one condition is met the surcharge does NOT apply. The surcharge is equal to $100 per month if you enroll in the CoPay Plan or Wake Health Savings Plan (in area or out of area).

healthcare 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.

healthcare 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.

healthcare 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 medication usage

prescription medication usage

prescription medication 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 Decision Support Tool applies certain plan provisions to your selected healthcare 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.

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