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["University of Arkansas System Health Benefits Calculator for 2025 Plan Year"]
["Disclaimer:",null,null,null,null,null,null,null,null,null,"Hide these rows prior to distribution"]
["The scenarios presented here are illustrative and are only meant to provide a basis for comparison among the three medical plan options. The scenarios are not a guarantee of future results. The actual costs of services may vary depending on when and where services are performed."]
[]
[]
["Instructions:"]
[]
["First, select your desired coverage election in cell B13 (highlighted blue)."]
["Next, add your monthly employee premium for health insurance for each medical plan option in cells B16, B17, and B18 (highlighted green).  "]
["   Refer to your campus HR website or contact your campus HR department if you are unsure of your monthly empoyee premium."]
["      The monthly employee premium should be on a 12-month basis."]
[]
["Choose your coverage election","Employee Only"]
[]
["Enter your monthly premium (12-month basis) for the following plans:",null,null,null,null,null,null,null,null,null,null,null,"Activate Macro?"]
["Health Savings Plan",65,null,null,null,null,null,null,null,null,"<<< 2x bi-weekly single EE contrib for next year",null,"Y"]
["Classic Plan",90,null,null,null,null,null,null,null,null,"<<< 2x bi-weekly single EE contrib for next year"]
["Premier Plan",350,null,null,null,null,null,null,null,null,"<<< 2x bi-weekly single EE contrib for next year"]
[]
["You will see how total health care costs compare among each of the medical plan options in two different claim scenarios:"]
["• A \"Low Health Care Needs\" scenario"]
["• A \"High Health Care Needs\" scenario"]
[]
["Output:",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prior to release, click this button"]
["Based on your inputs, see below for two examples illustrating your total estimated out-of-pocket expenses under each plan.",null,null,null,null,null," "]
[null,null,null,null,null,null,null,null,null,null,"Number of visits","Indiciator"]
["Employee Only - Low Health Care Needs",null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee Only\",$M$16=\"N\"),1,0)","v":1}]
[null,null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• \"&K29&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*K29,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,1]
[{"$f":"\"• \"&K30&\" diagnostic doctor’s office visit: \"&TEXT(Lists!$C$20*K30,\"$0\")","v":"• 1 diagnostic doctor’s office visit: $228"},null,null,null,null,null,null,null,null,null,1,1]
[{"$f":"\"• \"&K31&\" Tier-2 drug: \"&TEXT(Lists!$C$30*K31,\"$0\")","v":"• 1 Tier-2 drug: $300"},null,null,null,null,null,null,null," ",null,1,1]
[null,null,null,null,null,null,null,null,null,null,null,1]
["Your Annual Costs",null,null,null,null,null,null,null," ",null,null,1]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,null,1]
["Preventive visit",0,0,0,null,null,null,null,null,null,null,1]
["Office visit",{"$f":"+Lists!$C$20*$K30","v":228},{"$f":"P46*$K30","v":35},{"$f":"Q46*$K30","v":25},null,null,null,null,null,null,null,1,"Plan Design Comparison: G:\\Pricing & Modeling\\12672 - University of Arkansas\\Plan Designs"]
["Tier-2 prescription drugs",{"$f":"+Lists!$C$30*$K31","v":300},{"$f":"P53*$K31","v":62},{"$f":"Q53*$K31","v":57},null,null,null,null,null,null,null,1]
["Total out-of-pocket expenses",{"$f":"+SUM(B35:B37)","v":528},{"$f":"+SUM(C35:C37)","v":97},{"$f":"+SUM(D35:D37)","v":82},null,null,null,null,null,null,null,1,"2025 Plan Designs"]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,1,null,null,"Health Savings Plan","Classic Plan","Premier Plan"]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee Only\",$M$16=\"N\"),1,0)","v":1},"Medical"]
["Employee net cost",{"$f":"+B38+B40-B39","v":658},{"$f":"+C38+C40","v":1177},{"$f":"+D38+D40","v":4282},null,null,null,null,null,null,null,1,"Deductible","Single",3300,1350,800]
[null,null,null,null,null,null,null,null,null,null,null,1,null,"Family",6200,2700,1600]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B34:D34,MATCH(MIN(B41:D41),B41:D41,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,null,1,"Coinsurance",null,0.1,0.25,0.2]
[null,null,null,null,null,null,null,null,null,null,null,1,"Out-of-Pocket\nMaximum","Single",6750,5250,3200]
[null,null,null,null,null,null,null,null,null,null,null,1,null,"Family",13300,10500,6400]
["Employee Only - High Health Care Needs",null,null,null,null,null,null,null,null,null,null,1,"PCP Office Visit",null,{"$f":"O43","v":0.1},35,25]
[null,null,null,null,null,null,null,null,null,null,null,1,"Specialist Office Visit",null,{"$f":"O43","v":0.1},55,45]
[{"$f":"\"• \"&K48&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*K48,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,1]
[{"$f":"\"• \"&K49&\" emergency room visit: \"&TEXT(Lists!$C$21*K49,\"$0,00\")","v":"• 1 emergency room visit: $2,905"},null,null,null,null,null,null,null,null,null,1,1,"Prescription Drug",null,"Health Savings Plan","Classic Plan","Premier Plan"]
[{"$f":"\"• \"&K50&\" days in the hospital: \"&TEXT(Lists!$C$22*K50,\"$0,00\")","v":"• 8 days in the hospital: $30,224"},null,null,null,null,null,null,null,null,null,8,1,"Out-of-Pocket\nMaximum","Single","Combined with Medical",1800,1800]
[{"$f":"\"• \"&K51&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*K51,\"$0,00\")","v":"• 3 specialist doctor’s office visits: $1,230"},null,null,null,null,null,null,null,null,null,3,1,null,"Family","Combined with Medical",3600,3600]
[{"$f":"\"• \"&K52&\" Tier-2 drugs: \"&TEXT(Lists!$C$30*K52,\"$0,00\")","v":"• 3 Tier-2 drugs: $900"},null,null,null,null,null,null,null,null,null,3,1,"Tier 1 Drug",null,0.1,18,14]
[null,null,null,null,null,null,null,null,null,null,null,1,"Tier 2 Drug",null,0.1,62,57]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,null,1,"Tier 3 Drug",null,0.1,97,92]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,"HSA","Class/Prem",1]
["Preventive visit",0,0,0,null,null,null,null,null,"MRx","Med",1,"Hospical Inpatient Services","Copay, then coinsurance",0.1,300,300]
["Emergency room visit (admitted)",{"$f":"+Lists!$C$21*$K49","v":2905},0,0,null,null,null,null,null,"MRx","Med",1,"Outpatient Diagnostic Testing and Surgical Services","Copay, then coinsurance",0.1,160,80]
["Hospital stay",{"$f":"+IF(SUMIFS(B$56:B57, $J$56:$J57, $J58)>O$44, 0,\nIF(MAX((O$41-SUMIFS(B$56:B57, $J$56:$J57, $J58)), 0)+(Lists!$C$22*$K50-MAX((O$41-SUMIFS(B$56:B57, $J$56:$J57, $J58)), 0))*O$43 + SUMIFS(B$56:B57, $J$56:$J57, $J58)>O$44,\nO$44-SUMIFS(B$56:B57, $J$56:$J57, $J58),\nMAX((O$41-SUMIFS(B$56:B57, $J$56:$J57, $J58)), 0)+(Lists!$C$22*$K50-(O$41-SUMIFS(B$56:B57, $J$56:$J57, $J58)))*O$43))","v":3377.9},{"$f":"+IF(SUMIFS(C$56:C57, $K$56:$K57, $K58)>P$44, 0,\nIF(MAX((P$41-SUMIFS(C$56:C57, $K$56:$K57, $K58)), 0)+(Lists!$C$22*$K50-MAX((P$41-SUMIFS(C$56:C57, $K$56:$K57, $K58)), 0))*P$43 + SUMIFS(C$56:C57, $K$56:$K57, $K58)>P$44,\nP$44-SUMIFS(C$56:C57, $K$56:$K57, $K58),\nMAX((P$41-SUMIFS(C$56:C57, $K$56:$K57, $K58)), 0)+(Lists!$C$22*$K50-(P$41-SUMIFS(C$56:C57, $K$56:$K57, $K58)))*P$43))","v":5250},{"$f":"+IF(SUMIFS(D$56:D57, $K$56:$K57, $K58)>Q$44, 0,\nIF(MAX((Q$41-SUMIFS(D$56:D57, $K$56:$K57, $K58)), 0)+(Lists!$C$22*$K50-MAX((Q$41-SUMIFS(D$56:D57, $K$56:$K57, $K58)), 0))*Q$43 + SUMIFS(D$56:D57, $K$56:$K57, $K58)>Q$44,\nQ$44-SUMIFS(D$56:D57, $K$56:$K57, $K58),\nMAX((Q$41-SUMIFS(D$56:D57, $K$56:$K57, $K58)), 0)+(Lists!$C$22*$K50-(Q$41-SUMIFS(D$56:D57, $K$56:$K57, $K58)))*Q$43))","v":3200},null,null,null,null,null,"MRx","Med",1]
["Specialist office visits",{"$f":"+IF(SUMIFS(B$56:B58, $J$56:$J58, $J59)>O$44, 0,\nIF(MAX((O$41-SUMIFS(B$56:B58, $J$56:$J58, $J59)), 0)+(Lists!$C$23*$K51-MAX((O$41-SUMIFS(B$56:B58, $J$56:$J58, $J59)), 0))*O$43 + SUMIFS(B$56:B58, $J$56:$J58, $J59)>O$44,\nO$44-SUMIFS(B$56:B58, $J$56:$J58, $J59),\nMAX((O$41-SUMIFS(B$56:B58, $J$56:$J58, $J59)), 0)+(Lists!$C$23*$K51-MAX((O$41-SUMIFS(B$56:B58, $J$56:$J58, $J59)), 0))*O$43))","v":123},{"$f":"+IF(SUMIFS(C$56:C58, $K$56:$K58, $K59)>P$44, 0,\nIF(MAX((P$41-SUMIFS(C$56:C58, $K$56:$K58, $K59)), 0)+(Lists!$C$22*$K51-MAX((P$41-SUMIFS(C$56:C58, $K$56:$K58, $K59)), 0))*P$43 + SUMIFS(C$56:C58, $K$56:$K58, $K59)>P$44,\nP$44-SUMIFS(C$56:C58, $K$56:$K58, $K59),\nMAX((P$41-SUMIFS(C$56:C58, $K$56:$K58, $K59)), 0)+(Lists!$C$22*$K51-(P$41-SUMIFS(C$56:C58, $K$56:$K58, $K59)))*P$43))","v":0},{"$f":"+IF(SUMIFS(D$56:D58, $K$56:$K58, $K59)>Q$44, 0,\nIF(MAX((Q$41-SUMIFS(D$56:D58, $K$56:$K58, $K59)), 0)+(Lists!$C$22*$K51-MAX((Q$41-SUMIFS(D$56:D58, $K$56:$K58, $K59)), 0))*Q$43 + SUMIFS(D$56:D58, $K$56:$K58, $K59)>Q$44,\nQ$44-SUMIFS(D$56:D58, $K$56:$K58, $K59),\nMAX((Q$41-SUMIFS(D$56:D58, $K$56:$K58, $K59)), 0)+(Lists!$C$22*$K51-(Q$41-SUMIFS(D$56:D58, $K$56:$K58, $K59)))*Q$43))","v":0},null,null,null,null,null,"MRx","Med",1,"HSA Contribution","Single",650]
["Tier-2 prescriptions drugs",{"$f":"+IF(SUMIFS(B$56:B59, $J$56:$J59, $J60)>O$44, 0,\nIF(MAX((O$41-SUMIFS(B$56:B59, $J$56:$J59, $J60)), 0)+(Lists!$C$30*$K52-MAX((O$41-SUMIFS(B$56:B59, $J$56:$J59, $J60)), 0))*O$43 + SUMIFS(B$56:B59, $J$56:$J59, $J60)>O$44,\nO$44-SUMIFS(B$56:B59, $J$56:$J59, $J60),\nMAX((O$41-SUMIFS(B$56:B59, $J$56:$J59, $J60)), 0)+(Lists!$C$30*$K52-MAX((O$41-SUMIFS(B$56:B59, $J$56:$J59, $J60)), 0))*O$43))","v":90},{"$f":"P53*$K52","v":186},{"$f":"Q53*$K52","v":171},null,null,null,null,null,"MRx","Rx",1,"HSA Contribution","Family",1200]
["Total out-of-pocket expenses",{"$f":"+SUM(B56:B60)","v":6495.9},{"$f":"+SUM(C56:C60)","v":5436},{"$f":"+SUM(D56:D60)","v":3371},null,null,null,null,null,null,null,1]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,1]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,1,"https://benefits.uasys.edu/health/health-savings-account/"]
["Employee net cost",{"$f":"+B61+B63-B62","v":6625.9},{"$f":"+C61+C63","v":6516},{"$f":"+D61+D63","v":7571},null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B55:D55,MATCH(MIN(B64:D64),B64:D64,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,null,1,null,"Remaining deductible for 1 person in family plan after initial person meets single deductible",{"$f":"O42-O41","v":2900}]
[null,null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,null,1]
["Employee and Spouse - Low Health Care Needs",null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$M$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$M$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&$K72&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*$K72,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K73&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K73,\"$0,00\")","v":"• 12 Tier-1 drugs: $600"},null,null,null,null,null,null,null,null,null,12,0]
[{"$f":"\"• \"&$K74&\" doctor’s office visits: \"&TEXT(Lists!$C$20*$K74,\"$0\")","v":"• 2 doctor’s office visits: $456"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&$K75&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*$K75,\"$0,00\")","v":"• 2 specialist doctor’s office visits: $820"},null,null,null,null,null,null,null,null,null,2,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&$K78&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*$K78,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K79&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*$K79,\"$0,00\")","v":"• 6 Tier-1 drugs: $300"},null,null,null,null,null,null,null,null,null,6,0]
[{"$f":"\"• \"&K80&\" doctor’s office visits: \"&TEXT(Lists!$C$20*$K80,\"$0,00\")","v":"• 2 doctor’s office visits: $456"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&K81&\" Tier-2 drug: \"&TEXT(Lists!$C$30*K81,\"$0,00\")","v":"• 1 Tier-2 drug: $300"},null,null,null,null,null,null,null,null,null,1,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,null,0]
["Employee's Tier-1 prescription drugs",{"$f":"+Lists!C29*K73","v":600},{"$f":"P52*$K73","v":216},{"$f":"Q52*$K73","v":168},null,null,null,null,null,null,null,0]
["Employee's office visits",{"$f":"+Lists!C20*K74","v":456},{"$f":"$K74*P46","v":70},{"$f":"$K74*Q46","v":50},null,null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!C23*K75","v":820},{"$f":"P47*$K75","v":110},{"$f":"Q47*$K75","v":90},null,null,null,null,null,null,null,0]
["Spouse's Tier-1 prescription drugs",{"$f":"+Lists!C29*K79","v":300},{"$f":"P52*$K79","v":108},{"$f":"Q52*$K79","v":84},null,null,null,null,null,null,null,0]
["Spouse's office visits",{"$f":"+Lists!C20*K80","v":456},{"$f":"P46*$K80","v":70},{"$f":"Q46*$K80","v":50},null,null,null,null,null,null,null,0]
["Spouse's Tier-2 prescription drugs",{"$f":"+Lists!C30*K81","v":300},{"$f":"P53*$K81","v":62},{"$f":"Q53*$K81","v":57},null,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B85:B91)","v":2932},{"$f":"+SUM(C85:C91)","v":636},{"$f":"+SUM(D85:D91)","v":499},null,null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B92+B94-B93","v":3062},{"$f":"+C92+C94","v":1716},{"$f":"+D92+D94","v":4699},null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B84:D84,MATCH(MIN(B95:D95),B95:D95,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Employee and Spouse - High Health Care Needs",null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&$K103&\" ambulance: \"&TEXT(Lists!$C$24*$K103,\"$0,00\")","v":"• 1 ambulance: $2,274"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&$K104&\" emergency room visit: \"&TEXT(Lists!$C$21*$K104,\"$0,00\")","v":"• 1 emergency room visit: $2,905"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&$K105&\" days in the hospital: \"&TEXT(Lists!$C$22*$K105,\"$0,000\")","v":"• 7 days in the hospital: $26,446"},null,null,null,null,null,null,null,null,null,7,0]
[{"$f":"\"• \"&$K106&\" Tier-3 drugs: \"&TEXT(Lists!$C$31*$K106,\"$0,00\")","v":"• 2 Tier-3 drugs: $4,000"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&$K107&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*$K107,\"$0,00\")","v":"• 3 specialist doctor’s office visits: $1,230"},null,null,null,null,null,null,null,null,null,3,0]
[{"$f":"\"• \"&K108&\" physical therapy visits: \"&TEXT(Lists!$C$25*$K108,\"$0,00\")","v":"• 14 physical therapy visits: $4,550"},null,null,null,null,null,null,null,null,null,14,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,null,0]
["Spouse's ambulance",{"$f":"+Lists!C24*K103","v":2274},0,0,null,null,null,null,null,null,null,0]
["Spouse's emergency room visit (admitted)",{"$f":"+Lists!C21*K104","v":2905},0,0,null,null,null,null,null,null,null,0]
["Spouse's hospital stay",{"$f":"+(O41-B113-B112)+(Lists!C22*K105-(O41-B113-B112))*O43","v":953.5},{"$f":"MIN(P56+P41+(Lists!$C$22*K105-P56-P41)*P43,P44)","v":5250},{"$f":"MIN(Q56+Q41+(Lists!$C$22*K105-Q56-Q41)*Q43,Q44)","v":3200},null,null,null,null,null,null,null,0]
["Spouse's Tier-3 prescription drugs",{"$f":"Lists!C31*O54*K106","v":400},{"$f":"P54*K106","v":194},{"$f":"Q54*K106","v":184},null,null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"Lists!C23*K107*O47","v":123},{"$f":"MIN(K107*P47,MAX(0,P44-C114))","v":0},{"$f":"MIN(K107*Q47,MAX(0,Q44-D114))","v":0},null,null,null,null,null,null,null,0]
["Spouse's physical therapy visits",{"$f":"Lists!C25*K108*O43","v":455},{"$f":"MIN(P47+(Lists!$C$25*K108-P47)*P43,MAX(P44-C116-C114-C113-C112,0))","v":0},{"$f":"MIN(Q47+(Lists!$C$25*K108-Q47)*Q43,MAX(Q44-D116-D114-D113-D112,0))","v":0},null,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B112:B117)","v":7110.5},{"$f":"+SUM(C112:C117)","v":5444},{"$f":"+SUM(D112:D117)","v":3384},null,null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B118+B120-B119","v":7240.5},{"$f":"+C118+C120","v":6524},{"$f":"+D118+D120","v":7584},null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B111:D111,MATCH(MIN(B121:D121),B121:D121,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Employee and Child - Low Health Care Needs",null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$M$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$M$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K129&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*K129,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K130&\" doctor’s office visit: \"&TEXT(Lists!$C$20*K130,\"$0\")","v":"• 1 doctor’s office visit: $228"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K131&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K131,\"$0\")","v":"• 2 Tier-1 drugs: $100"},null,null,null,null,null,null,null,null,null,2,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Child's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K134&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*K134,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K135&\" Tier-2 drug: \"&TEXT(Lists!$C$30*K135,\"$0\")","v":"• 1 Tier-2 drug: $300"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K136&\" doctor’s office visits: \"&TEXT(Lists!$C$20*K136,\"$0\")","v":"• 2 doctor’s office visits: $456"},null,null,null,null,null,null,null,null,null,2,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!C20*K130","v":228},{"$f":"P46*$K130","v":35},{"$f":"Q46*$K130","v":25},null,null,null,null,null,null,null,0]
["Employee's Tier-1 prescription drugs",{"$f":"+Lists!C29*K131","v":100},{"$f":"P52*$K131","v":36},{"$f":"Q52*$K131","v":28},null,null,null,null,null,null,null,0]
["Child's office visits",{"$f":"+Lists!C20*K136","v":456},{"$f":"P46*$K136","v":70},{"$f":"Q46*$K136","v":50},null,null,null,null,null,null,null,0]
["Child's Tier-2 prescription drugs",{"$f":"+Lists!C30*K135","v":300},{"$f":"P53*$K135","v":62},{"$f":"Q53*$K135","v":57},null,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B140:B144)","v":1084},{"$f":"+SUM(C140:C144)","v":203},{"$f":"+SUM(D140:D144)","v":160},null,null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B145+B147-B146","v":1214},{"$f":"+C145+C147","v":1283},{"$f":"+D145+D147","v":4360},null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B139:D139,MATCH(MIN(B148:D148),B148:D148,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Employee and Children - High Health Care Needs",null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K156&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*K156,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K157&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*K157,\"$000\")","v":"• 2 specialist doctor’s office visits: $820"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&K158&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K158,\"$0\")","v":"• 5 Tier-1 drugs: $250"},null,null,null,null,null,null,null,null,null,5,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K161&\" urgent care visit: \"&TEXT(Lists!$C$26*K161,\"$0\")","v":"• 1 urgent care visit: $273"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K162&\" Tier-3 drug: \"&TEXT(Lists!$C$31*K162,\"$0,00\")","v":"• 1 Tier-3 drug: $2,000"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K163&\" days in the hospital: \"&TEXT(Lists!$C$22*K163,\"$0,00\")","v":"• 7 days in the hospital: $26,446"},null,null,null,null,null,null,null,null,null,7,0]
[{"$f":"\"• \"&K164&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*K164,\"$0,00\")","v":"• 2 specialist doctor’s office visits: $820"},null,null,null,null,null,null,null,null,null,2,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K167&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*K167,\"$0,00\")","v":"• 2 specialist doctor’s office visits: $820"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&K168&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K168,\"$0\")","v":"• 3 Tier-1 drugs: $150"},null,null,null,null,null,null,null,null,null,3,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!C23*K157","v":820},{"$f":"P47*$K157","v":110},{"$f":"Q47*$K157","v":90},null,null,null,null,null,null,null,0]
["Employee's Tier-1 prescription drugs",{"$f":"+Lists!C29*K158","v":250},{"$f":"P52*$K158","v":90},{"$f":"Q52*$K158","v":70},null,null,null,null,null,null,null,0]
["Daughter's urgent care visit",{"$f":"+Lists!C26*$K161","v":273},{"$f":"P47*$K161","v":55},{"$f":"Q47*$K161","v":45},null,null,null,null,null,null,null,0]
["Daughter's Tier-3 prescription drugs",{"$f":"+Lists!C31*$K162","v":2000},{"$f":"P54*$K162","v":97},{"$f":"Q54*$K162","v":92},null,null,null,null,null,null,null,0]
["Daughter's hospital stay",{"$f":"+(O$41-B175-B176)+(Lists!$C$22*K163-(O$41-B175-B176))*O$43","v":3568.9},{"$f":"MIN(P$56+P$41+(Lists!$C$22*$K163-P$56-P$41)*P$43,P$44-C175)","v":5195},{"$f":"MIN(Q56+Q41+(Lists!$C$22*$K163-Q56-Q41)*Q43,Q44-D175)","v":3155},null,null,null,null,null,null,null,0]
["Daughter's specialist office visits",{"$f":"Lists!C23*K164*O47","v":82},{"$f":"MIN(P47*K164,P44-C175-C177)","v":0},{"$f":"MIN(Q47*L164,Q44-D175-D177)","v":0},null,null,null,null,null,null,null,0]
["Son's specialist office visits",{"$f":"+Lists!C23*K167","v":820},{"$f":"P47*K167","v":110},{"$f":"Q47*L167","v":0},null,null,null,null,null,null,null,0]
["Son's Tier-1 prescription drugs",{"$f":"+Lists!C29*K168","v":150},{"$f":"P52*K168","v":54},{"$f":"Q52*L168","v":0},null,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B172:B180)","v":7963.9},{"$f":"+SUM(C172:C180)","v":5711},{"$f":"+SUM(D172:D180)","v":3452},null,null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B181+B183-B182","v":8093.9},{"$f":"+C181+C183","v":6791},{"$f":"+D181+D183","v":7652},null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B171:D171,MATCH(MIN(B184:D184),B184:D184,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - Low Health Care Needs",null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Family\",$M$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Family\",$M$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K192&\" doctor’s office visit: \"&TEXT(Lists!$C$20*K192,\"$0\")","v":"• 3 doctor’s office visit: $684"},null,null,null,null,null,null,null,null,null,3,0]
[{"$f":"\"• \"&K193&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K193,\"$0\")","v":"• 2 Tier-1 drugs: $100"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&K194&\" Tier-2 drugs: \"&TEXT(Lists!$C$30*K194,\"$0,00\")","v":"• 8 Tier-2 drugs: $2,400"},null,null,null,null,null,null,null,null,null,8,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K197&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*K197,\"$0,00\")","v":"• 4 specialist doctor’s office visits: $1,640"},null,null,null,null,null,null,null,null,null,4,0]
[{"$f":"\"• \"&K198&\" Tier-2 drugs: \"&TEXT(Lists!$C$30*K198,\"$0,00\")","v":"• 3 Tier-2 drugs: $900"},null,null,null,null,null,null,null,null,null,3,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K201&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*K201,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K202&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K202,\"$0\")","v":"• 2 Tier-1 drugs: $100"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&K203&\" doctor’s office visit: \"&TEXT(Lists!$C$20*K203,\"$0\")","v":"• 1 doctor’s office visit: $228"},null,null,null,null,null,null,null,null,null,1,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!$C$20*K192","v":684},{"$f":"P$46*K192","v":105},{"$f":"Q46*L192","v":0},null,null,null,null,null,null,null,0]
["Employee's Tier-1 prescription drugs",{"$f":"+Lists!C29*K193","v":100},{"$f":"P52*$K193","v":36},{"$f":"Q52*$K193","v":28},null,null,null,null,null,null,null,0]
["Employee's Tier-2 prescription drugs",{"$f":"+Lists!C30*K194","v":2400},{"$f":"P53*$K194","v":496},{"$f":"Q53*$K194","v":456},null,null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"+Lists!$C$23*K197","v":1640},{"$f":"P$47*$K197","v":220},{"$f":"Q47*$K197","v":180},null,null,null,null,null,null,null,0]
["Spouse's Tier-2 prescription drugs",{"$f":"+Lists!C30*K198","v":900},{"$f":"P53*$K198","v":186},{"$f":"Q53*$K198","v":171},null,null,null,null,null,null,null,0]
["Daughter's Tier-1 prescription drugs",{"$f":"+Lists!C29*K202","v":100},{"$f":"P52*$K202","v":36},{"$f":"Q52*$K202","v":28},null,null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"+Lists!C20*K203","v":228},{"$f":"P46*$K203","v":35},{"$f":"Q46*$K203","v":25},null,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B207:B214)","v":6052},{"$f":"+SUM(C207:C214)","v":1114},{"$f":"+SUM(D207:D214)","v":888},null,null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B215+B217-B216","v":6182},{"$f":"+C215+C217","v":2194},{"$f":"+D215+D217","v":5088},null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B206:D206,MATCH(MIN(B218:D218),B218:D218,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - High Health Care Needs",null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K226&\" doctor’s office visit: \"&TEXT(Lists!$C$20*K226,\"$0\")","v":"• 2 doctor’s office visit: $456"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&K227&\" specialist doctor’s office visits: \"&TEXT(Lists!$C$23*K227,\"$0,00\")","v":"• 3 specialist doctor’s office visits: $1,230"},null,null,null,null,null,null,null,null,null,3,0]
[{"$f":"\"• \"&K228&\" outpatient surgery: \"&TEXT(Lists!$C$27*K228,\"$0,00\")","v":"• 1 outpatient surgery: $4,383"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K229&\" days in the hospital: \"&TEXT(Lists!$C$22*K229,\"$0,00\")","v":"• 5 days in the hospital: $18,890"},null,null,null,null,null,null,null,null,null,5,0]
[{"$f":"\"• \"&K230&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K230,\"$0\")","v":"• 6 Tier-1 drugs: $300"},null,null,null,null,null,null,null,null,null,6,0]
[{"$f":"\"• \"&K231&\" Tier-2 drug: \"&TEXT(Lists!$C$30*K231,\"$0\")","v":"• 1 Tier-2 drug: $300"},null,null,null,null,null,null,null,null,null,1,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K234&\" doctor’s office visit: \"&TEXT(Lists!$C$20*K234,\"$0\")","v":"• 1 doctor’s office visit: $228"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K235&\" outpatient surgery: \"&TEXT(Lists!$C$27*K235,\"$0,00\")","v":"• 1 outpatient surgery: $4,383"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K236&\" days in the hospital: \"&TEXT(Lists!$C$22*K236,\"$0,00\")","v":"• 7 days in the hospital: $26,446"},null,null,null,null,null,null,null,null,null,7,0]
[{"$f":"\"• \"&K237&\" Tier-2 drugs: \"&TEXT(Lists!$C$30*K237,\"$0,00\")","v":"• 6 Tier-2 drugs: $1,800"},null,null,null,null,null,null,null,null,null,6,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• \"&K240&\" preventive doctor’s office visit: \"&TEXT(Lists!$C$19*K240,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $207 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1,0]
[{"$f":"\"• \"&K241&\" urgent care visit: \"&TEXT(Lists!$C$26*K241,\"$0\")","v":"• 2 urgent care visit: $546"},null,null,null,null,null,null,null,null,null,2,0]
[{"$f":"\"• \"&K242&\" Tier-1 drugs: \"&TEXT(Lists!$C$29*K242,\"$0\")","v":"• 6 Tier-1 drugs: $300"},null,null,null,null,null,null,null,null,null,6,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!$C$20*K226","v":456},{"$f":"P$46*$K226","v":70},{"$f":"Q$46*$K226","v":50},null,null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!$C$23*K227","v":1230},{"$f":"P$47*$K227","v":165},{"$f":"Q$47*$K227","v":135},null,null,null,null,null,null,null,0]
["Employee's outpatient surgery",{"$f":"O$41+(Lists!$C$27*$K228-O$41)*O$43","v":3408.3},{"$f":"ROUNDDOWN(P$57+P$41+(Lists!$C$27*$K228-P$57-P$41)*P$43,0)","v":2228},{"$f":"ROUNDDOWN(Q$57+Q$41+(Lists!$C$27*$K228-Q$57-Q$41)*Q$43,0)","v":1580},null,null,null,null,null,null,null,0]
["Employee's hospital stay",{"$f":"O44-SUM(B246:B249)","v":1655.6999999999998},{"$f":"MIN(P$56+P$41+(Lists!$C$22*$K229-P$56-P$41)*P$43,P$44-C249-C248-C247)","v":2787},{"$f":"MIN(Q$56+Q$41+(Lists!$C$22*$K229-Q$56-Q$41)*Q$43,Q$44-D249-D248-D247)","v":1435},null,null,null,null,null,null,null,0]
["Employee's Tier-1 prescription drugs",{"$f":"IF(SUM(B$246:B250)>=O$44, 0, Lists!$C$29*$K230)","v":0},{"$f":"P$52*$K230","v":108},{"$f":"Q$52*$K230","v":84},null,null,null,null,null,null,null,0]
["Employee's Tier-2 prescription drugs",{"$f":"IF(SUM(B$246:B251)>=O$44, 0, Lists!$C$30*$K231)","v":0},{"$f":"P$53*$K231","v":62},{"$f":"Q$53*$K231","v":57},null,null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"Lists!C20*$K234","v":228},{"$f":"P46*$K234","v":35},{"$f":"Q46*$K234","v":25},null,null,null,null,null,null,null,0]
["Daughter's outpatient surgery",{"$f":"O$66+(Lists!$C$27*$K235-O$66)*O$43","v":3048.3},{"$f":"ROUNDDOWN(P$57+P$41+(Lists!$C$27*$K235-P$57-P$41)*P$43,0)","v":2228},{"$f":"ROUNDDOWN(Q57+Q41+(Lists!$C$27*$K235-Q57-Q41)*Q43,0)","v":1580},null,null,null,null,null,null,null,0]
["Daughter's hospital stay",{"$f":"+(O$66-B254-B253)+(Lists!$C$22*K236-(O$66-B254-B253))*O$43","v":2305.9299999999998},{"$f":"MIN(P$56+P$41+(Lists!$C$22*$K236-P$56-P$41)*P$43,P$44-C254-C253)","v":2987},{"$f":"MIN(Q$56+Q$41+(Lists!$C$22*$K236-Q$56-Q$41)*Q$43,Q$44-D254-D253)","v":1595},null,null,null,null,null,null,null,0]
["Daughter's Tier-2 prescription drugs",{"$f":"Lists!$C$30*$K237*O$53","v":180},{"$f":"P$53*$K237","v":372},{"$f":"Q53*$K237","v":342},null,null,null,null,null,null,null,0]
["Son's urgent care visit",{"$f":"+Lists!C26*$K241*O43","v":54.6},{"$f":"P$45-SUM(C247:C250,C253:C255)","v":0},{"$f":"Q$45-SUM(D247:D250,D253:D255)","v":0},null,null,null,null,null,null,null,0]
["Son's Tier-1 prescription drugs",{"$f":"+Lists!C$29*K242*O52","v":30},{"$f":"P$52*$K242","v":108},{"$f":"Q52*$K242","v":84},null,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B246:B258)","v":12596.83},{"$f":"+SUM(C246:C258)","v":11150},{"$f":"+SUM(D246:D258)","v":6967},null,null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$O$59,$O$60)","v":650},"N/A","N/A",null,null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":780},{"$f":"+$B$17*12","v":1080},{"$f":"+$B$18*12","v":4200},null,null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B259+B261-B260","v":12726.83},{"$f":"+C259+C261","v":12230},{"$f":"+D259+D261","v":11167},null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B245:D245,MATCH(MIN(B262:D262),B262:D262,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Premier Plan."},null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,null,0]

{"sheet":"Lists","index":1,"n_rows":31,"n_cols":14,"rows_kept":31,"cut":false,"hidden":true,"merged":[]}
[]
[null,"For HSA",null,"Activate Macro?"]
[null,"Employee Only",null,"Y"]
[null,"Employee & Spouse",null,"N"]
[null,"Employee & Child(ren)"]
[null,"Employee & Family"]
[]
[]
[]
[]
[null,"Password:","SegalUAS20221"]
[]
[]
[]
[]
[]
[null,null,"2025 Model",null,null,null,null,null,null,2024,2025]
[null,"Costs of Services","USE Model","2023 Model","2024 Model","2025 Model",null,null,null,null,"Assumed Trend"]
[null,"Preventative Office Visit",{"$f":"INDEX(D19:I19, MATCH($C$17, $D$18:$I$18, 0))","v":207},182,193,{"$f":"+ROUND(E19*(1+$K19),0)","v":207},null,null,null,0.06,7.0000000000000007E-2]
[null,"Diagnostic Doctor Office Visit",{"$f":"INDEX(D20:I20, MATCH($C$17, $D$18:$I$18, 0))","v":228},135,143,{"$f":"+ROUND(186*(1+$K20)^3,0)","v":228},null,null,null,{"$f":"+J19","v":0.06},{"$f":"+K19","v":7.0000000000000007E-2}]
[null,"ER Visit",2905,1307,1385,{"$f":"+ROUND(2715*(1+$K21),0)","v":2905},null,null,null,{"$f":"+J20","v":0.06},7.0000000000000007E-2]
[null,"1 Day Hospital Stay",3778,2882,3055,{"$f":"ROUND(D22*((1+K22)^4), 0)","v":3778},null,null,null,{"$f":"J21","v":0.06},7.0000000000000007E-2]
[null,"Specialist Diagnostic Doctor Office Visit",410,135,143,{"$f":"+ROUND(335*(1+$K23)^3,0)","v":410},null,null,null,{"$f":"J22","v":0.06},{"$f":"$K$19","v":7.0000000000000007E-2}]
[null,"Ambulance",2274,1102,1168,{"$f":"ROUND(2125*((1+K24)), 0)","v":2274},null,null,null,0.06,7.0000000000000007E-2]
[null,"Physical Therapy Visit",325,253,268,325,null,null,null,0.06,7.0000000000000007E-2]
[null,"Urgent Care Visit",273,164,174,{"$f":"ROUND((135+411)/2, 0)","v":273},null,null,null,0.06,7.0000000000000007E-2]
[null,"Outpatient Surgery",4383,3343,3544,{"$f":"ROUND(E27/E22*F22, 0)","v":4383},null,null,null,{"$f":"J26","v":0.06},7.0000000000000007E-2]
[]
[null,"Tier 1 Drug",50,36,39,50,null,null,null,0.09,0.12,null,null,"< Trend from 7/1/24 Rate Projections Doc# 6403463"]
[null,"Tier 2 Drug",300,162,177,300,null,null,null,{"$f":"+J29","v":0.09},{"$f":"+K29","v":0.12}]
[null,"Tier 3 Drug",2000,1620,1766,2000,null,null,null,{"$f":"+J30","v":0.09},{"$f":"+K30","v":0.12}]