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["University of Arkansas System Health Benefits Calculator for 2023 Plan Year"]
["Disclaimer:",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," "]
["Health Savings Plan",80,null,null,null,null,null,null,null,null,"Activate Macro?","Y"]
["Classic Plan",120]
["Premier Plan",160]
[]
["Output:",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," "]
[]
["Employee Only - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee Only\",$L$16=\"N\"),1,0)","v":1}]
[null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $182 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 diagnostic doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 diagnostic doctor’s office visit: $135"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 Tier-2 antibiotic: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 antibiotic: $162"},null,null,null,null,null,null,null," ",null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Your Annual Costs",null,null,null,null,null,null,null," ",null,1]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,1]
["Preventive visit",0,0,0,null,null,null,null,null,null,1]
["Office visit",{"$f":"+Lists!$D$20","v":135},35,25,null,null,null,null,null,null,1]
["Tier-2 prescription drugs",{"$f":"+Lists!$D$30","v":162},62,57,null,null,null,null,null,null,1]
["Total out-of-pocket expenses",{"$f":"+SUM(B31:B33)","v":297},{"$f":"+SUM(C31:C33)","v":97},{"$f":"+SUM(D31:D33)","v":82},null,null,null,null,null,null,1]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,1]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee Only\",$L$16=\"N\"),1,0)","v":1}]
["Employee net cost",{"$f":"+B34+B36-B35","v":607},{"$f":"+C34+C36","v":1537},{"$f":"+D34+D36","v":2002},null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B30:D30,MATCH(MIN(B37:D37),B37:D37,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Employee Only - High Health Care Needs",null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $182 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 emergency room visit: \"&TEXT(Lists!$D$21,\"$0,000\")","v":"• 1 emergency room visit: $1,307"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 3 days in the hospital: \"&TEXT(Lists!$D$22*3,\"$0,000\")","v":"• 3 days in the hospital: $8,646"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 6 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*6,\"$000\")","v":"• 6 specialist doctor’s office visits: $810"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 2 Tier-2 antibiotics: \"&TEXT(Lists!$D$30*2,\"$0\")","v":"• 2 Tier-2 antibiotics: $324"},null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,1]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,1]
["Preventive visit",0,0,0,null,null,null,null,null,null,1]
["Emergency room visit (admitted)",{"$f":"+Lists!$D$21","v":1307},0,0,null,null,null,null,null,null,1]
["Hospital stay",{"$f":"+(3000-B53)+(Lists!D22*3-(3000-B53))*0.1","v":2388.3000000000002},{"$f":"300+1350+(Lists!D22*3-300-1350)*0.25","v":3399},{"$f":"300+800 +(Lists!D22*3-300-800)*0.2","v":2609.1999999999998},null,null,null,null,null,null,1]
["Specialist office visits",{"$f":"Lists!D23*6*0.1","v":81},{"$f":"6*55","v":330},{"$f":"45*6","v":270},null,null,null,null,null,null,1]
["Tier-2 prescriptions drugs",{"$f":"Lists!D30*0.1","v":16.2},{"$f":"62*2","v":124},{"$f":"57*2","v":114},null,null,null,null,null,null,1]
["Total out-of-pocket expenses",{"$f":"+SUM(B52:B56)","v":3792.5},{"$f":"+SUM(C52:C56)","v":3853},{"$f":"+SUM(D52:D56)","v":2993.2},null,null,null,null,null,null,1]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,1]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,1]
["Employee net cost",{"$f":"+B57+B59-B58","v":4102.5},{"$f":"+C57+C59","v":5293},{"$f":"+D57+D59","v":4913.2},null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B51:D51,MATCH(MIN(B60:D60),B60:D60,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Employee and Spouse - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$L$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Spouse\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 12 Tier 1 drugs: \"&TEXT(Lists!$D$29*12,\"$0\")","v":"• 12 Tier 1 drugs: $432"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$D$20*2,\"$0\")","v":"• 2 doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $182 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier 1 drugs: \"&TEXT(Lists!$D$29*6,\"$0\")","v":"• 6 Tier 1 drugs: $216"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$D$20*2,\"$0\")","v":"• 2 doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier-2 drugs: \"&TEXT(Lists!$D$30*2,\"$0\")","v":"• 2 Tier-2 drugs: $324"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $182 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*12","v":432},{"$f":"12*18","v":216},{"$f":"12*14","v":168},null,null,null,null,null,null,0]
["Employee's office visits",{"$f":"+Lists!D20*2","v":270},{"$f":"2*35","v":70},{"$f":"2*25","v":50},null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!D23*2","v":270},{"$f":"2*55","v":110},{"$f":"2*45","v":90},null,null,null,null,null,null,0]
["Spouse's Tier 1 prescription drugs",{"$f":"+Lists!D29*6","v":216},{"$f":"6*18","v":108},{"$f":"6*14","v":84},null,null,null,null,null,null,0]
["Spouse's office visits",{"$f":"+Lists!D20*2","v":270},{"$f":"2*35","v":70},{"$f":"2*25","v":50},null,null,null,null,null,null,0]
["Spouse's Tier 2 prescription drugs",{"$f":"+Lists!D30*2","v":324},{"$f":"2*62","v":124},{"$f":"2*57","v":114},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B81:B87)","v":1782},{"$f":"+SUM(C81:C87)","v":698},{"$f":"+SUM(D81:D87)","v":556},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B88+B90-B89","v":2092},{"$f":"+C88+C90","v":2138},{"$f":"+D88+D90","v":2476},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B80:D80,MATCH(MIN(B91:D91),B91:D91,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Spouse - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 ambulance: \"&TEXT(Lists!$D$24,\"$0,000\")","v":"• 1 ambulance: $1,102"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 emergency room visit: \"&TEXT(Lists!$D$21,\"$0,000\")","v":"• 1 emergency room visit: $1,307"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 days in the hospital: \"&TEXT(Lists!$D$22*4,\"$0,000\")","v":"• 4 days in the hospital: $11,528"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier 3 medication: \"&TEXT(Lists!$D$31,\"$0,000\")","v":"• 1 Tier 3 medication: $1,620"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*3,\"$0\")","v":"• 3 specialist doctor’s office visits: $405"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 14 physical therapy visits: \"&TEXT(Lists!$D$25*14,\"$0,000\")","v":"• 14 physical therapy visits: $3,542"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Spouse's ambulance",{"$f":"+Lists!D24","v":1102},0,0,null,null,null,null,null,null,0]
["Spouse's emergency room visit (admitted)",{"$f":"+Lists!D21","v":1307},0,0,null,null,null,null,null,null,0]
["Spouse's hospital stay",{"$f":"+(3000-B109-B108)+(Lists!D22*4-(3000-B109-B108))*0.1","v":1684.7},{"$f":"300+1350+(Lists!D22*4-300-1350)*0.25","v":4119.5},{"$f":"MIN(300+800+(Lists!D22*4-300-800)*0.2,3200)","v":3185.6},null,null,null,null,null,null,0]
["Spouse's Tier 3 prescription drugs",{"$f":"Lists!D31*0.1","v":162},97,92,null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"Lists!D23*3*0.1","v":40.5},{"$f":"55*3","v":165},{"$f":"MIN(3*45,MAX(0,3200-D110))","v":14.400000000000091},null,null,null,null,null,null,0]
["Spouse's physical therapy visits",{"$f":"Lists!D25*14*0.1","v":354.20000000000005},{"$f":"MIN(55+(Lists!D25*14-55)*0.25,5250-C112-C110-C109-C108)","v":926.75},{"$f":"MIN(45+(Lists!D25*14-45)*0.2,MAX(3200-D112-D110-D109-D108,0))","v":0},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B108:B113)","v":4650.3999999999996},{"$f":"+SUM(C108:C113)","v":5308.25},{"$f":"+SUM(D108:D113)","v":3292},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B114+B116-B115","v":4960.3999999999996},{"$f":"+C114+C116","v":6748.25},{"$f":"+D114+D116","v":5212},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B107:D107,MATCH(MIN(B117:D117),B117:D117,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Child - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$L$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Child(ren)\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $182 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 doctor’s office visit: $135"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier 1 drugs: \"&TEXT(Lists!$D$29*2,\"$0\")","v":"• 2 Tier 1 drugs: $72"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Child's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $182 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier-2 drug: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 drug: $162"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$D$20*2,\"$0\")","v":"• 2 doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!D20","v":135},35,25,null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*2","v":72},{"$f":"2*18","v":36},{"$f":"2*14","v":28},null,null,null,null,null,null,0]
["Child's office visits",{"$f":"+Lists!D20*2","v":270},{"$f":"2*35","v":70},{"$f":"2*25","v":50},null,null,null,null,null,null,0]
["Child's Tier 2 prescription drugs",{"$f":"+Lists!D30","v":162},62,57,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B136:B140)","v":639},{"$f":"+SUM(C136:C140)","v":203},{"$f":"+SUM(D136:D140)","v":160},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B141+B143-B142","v":949},{"$f":"+C141+C143","v":1643},{"$f":"+D141+D143","v":2080},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B135:D135,MATCH(MIN(B144:D144),B144:D144,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Children - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $182 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 Tier 1 drugs: \"&TEXT(Lists!$D$29*3,\"$0\")","v":"• 3 Tier 1 drugs: $108"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 urgent care visit: \"&TEXT(Lists!$D$26,\"$0\")","v":"• 1 urgent care visit: $164"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier 3 medication: \"&TEXT(Lists!$D$31,\"$0,000\")","v":"• 1 Tier 3 medication: $1,620"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 days in the hospital: \"&TEXT(Lists!$D$22*4,\"$0,000\")","v":"• 4 days in the hospital: $11,528"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 Tier 1 drugs: \"&TEXT(Lists!$D$29*3,\"$0\")","v":"• 3 Tier 1 drugs: $108"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!D23*2","v":270},{"$f":"55*2","v":110},{"$f":"45*2","v":90},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*3","v":108},{"$f":"18*3","v":54},{"$f":"14*3","v":42},null,null,null,null,null,null,0]
["Daughter's urgent care visit",{"$f":"+Lists!D26","v":164},55,50,null,null,null,null,null,null,0]
["Daughter's Tier 3 prescription drugs",{"$f":"+Lists!D31","v":1620},97,92,null,null,null,null,null,null,0]
["Daughter's hospital stay",{"$f":"+(3000-B171-B172)+(Lists!D22*4-(3000-B171-B172))*0.1","v":2247.1999999999998},{"$f":"+(Lists!D22*4-1350-300)*0.25+1350+300","v":4119.5},{"$f":"MIN(300+800+(Lists!D22*4-300-800)*0.2,3200-D171)","v":3150},null,null,null,null,null,null,0]
["Daughter's specialist office visits",{"$f":"Lists!D23*2*0.1","v":27},{"$f":"2*55","v":110},{"$f":"MIN(2*45,3200-D171-D173)","v":0},null,null,null,null,null,null,0]
["Son's specialist office visits",{"$f":"+Lists!D23*2","v":270},{"$f":"2*55","v":110},{"$f":"2*45","v":90},null,null,null,null,null,null,0]
["Son's Tier 1 prescription drugs",{"$f":"+Lists!D29*3","v":108},{"$f":"3*18","v":54},{"$f":"3*14","v":42},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B168:B176)","v":4814.2},{"$f":"+SUM(C168:C176)","v":4709.5},{"$f":"+SUM(D168:D176)","v":3556},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B177+B179-B178","v":5124.2},{"$f":"+C177+C179","v":6149.5},{"$f":"+D177+D179","v":5476},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B167:D167,MATCH(MIN(B180:D180),B180:D180,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Family\",$L$16=\"N\"),1,0)","v":0}]
[null,null,null,null,null,null,null,null,null,null,{"$f":"+IF(OR($B$13=\"Employee & Family\",$L$16=\"N\"),1,0)","v":0}]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 doctor’s office visit: $135"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier 1 drugs: \"&TEXT(Lists!$D$29*6,\"$0\")","v":"• 6 Tier 1 drugs: $216"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier-2 drug: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 drug: $162"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $270"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier-2 drug: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 drug: $162"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier 1 drugs: \"&TEXT(Lists!$D$29*2,\"$0\")","v":"• 2 Tier 1 drugs: $72"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 doctor’s office visit: $135"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 preventive doctor’s office visit: \"&TEXT(Lists!$D$19*3,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 3 preventive doctor’s office visit: $546 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!D20","v":135},35,25,null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*6","v":216},{"$f":"18*6","v":108},{"$f":"14*6","v":84},null,null,null,null,null,null,0]
["Employee's Tier 2 prescription drugs",{"$f":"+Lists!D30","v":162},62,57,null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"+Lists!D23*2","v":270},{"$f":"2*55","v":110},{"$f":"2*45","v":90},null,null,null,null,null,null,0]
["Spouse's Tier 2 prescription drugs",{"$f":"+Lists!D30","v":162},62,57,null,null,null,null,null,null,0]
["Daughter's Tier 1 prescription drugs",{"$f":"+Lists!D29*2","v":72},{"$f":"2*18","v":36},{"$f":"2*14","v":28},null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"+Lists!D20","v":135},35,25,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B203:B210)","v":1152},{"$f":"+SUM(C203:C210)","v":448},{"$f":"+SUM(D203:D210)","v":366},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B211+B213-B212","v":1462},{"$f":"+C211+C213","v":1888},{"$f":"+D211+D213","v":2286},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B202:D202,MATCH(MIN(B214:D214),B214:D214,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 outpatient surgery: \"&TEXT(Lists!$D$27,\"$0,000\")","v":"• 1 outpatient surgery: $3,343"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier-2 drugs: \"&TEXT(Lists!$D$30*2,\"$0\")","v":"• 2 Tier-2 drugs: $324"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 doctor’s office visit: $135"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 urgent care visit: \"&TEXT(Lists!$D$26,\"$0\")","v":"• 1 urgent care visit: $164"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier 1 drug: \"&TEXT(Lists!$D$29,\"$0\")","v":"• 1 Tier 1 drug: $36"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 preventive doctor’s office visit: \"&TEXT(Lists!$D$19*4,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 4 preventive doctor’s office visit: $728 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Daughter's outpatient surgery",{"$f":"3000+(Lists!D27-3000)*0.1","v":3034.3},{"$f":"ROUNDDOWN(160+1350+(Lists!D27-1350-160)*0.25,0)","v":1968},{"$f":"80+800+(Lists!D27-800-80)*0.2","v":1372.6},null,null,null,null,null,null,0]
["Daughter's Tier 2 prescription drugs",{"$f":"Lists!D30*2*0.1","v":32.4},{"$f":"62*2","v":124},{"$f":"2*57","v":114},null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"Lists!D20*0.1","v":13.5},35,25,null,null,null,null,null,null,0]
["Son's urgent care visit",{"$f":"+Lists!D26","v":164},55,50,null,null,null,null,null,null,0]
["Son's Tier 1 prescription drugs",{"$f":"+Lists!D29","v":36},18,14,null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B233:B238)","v":3280.2000000000003},{"$f":"+SUM(C233:C238)","v":2200},{"$f":"+SUM(D233:D238)","v":1575.6},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",650,1200)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$f":"+$B$17*12","v":1440},{"$f":"+$B$18*12","v":1920},null,null,null,null,null,null,0]
["Employee net cost",{"$f":"+B239+B241-B240","v":3590.2000000000007},{"$f":"+C239+C241","v":3640},{"$f":"+D239+D241","v":3495.6},null,null,null,null,null,null,0]
[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(B232:D232,MATCH(MIN(B242:D242),B242:D242,0))&\".\"","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,0]
[null,null,null,null,null,null,null,null,null,null,0]

{"sheet":"Lists","index":1,"n_rows":31,"n_cols":5,"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:","SegalUAS2022"]
[]
[]
[]
[]
[]
[]
[null,"Costs of Services","2022 Model","2023 Model","Assumed Trend"]
[null,"Preventative Office Visit",172,{"$f":"+ROUND(C19*(1+E19),0)","v":182},0.06]
[null,"Diagnostic Doctor Office Visit",127,{"$f":"+ROUND(C20*(1+E20),0)","v":135},{"$f":"+E19","v":0.06}]
[null,"ER Visit",1233,1307,{"$f":"+E20","v":0.06}]
[null,"1 Day Hospital Stay",2719,2882,0.06]
[null,"Specialist Diagnostic Doctor Office Visit",127,135,0.06]
[null,"Ambulance",1040,1102,0.06]
[null,"Physical Therapy Visit",239,253,0.06]
[null,"Urgent Care Visit",155,164,0.06]
[null,"Outpatient Surgery",3154,3343,0.06]
[]
[null,"Tier 1 Drug",33,{"$f":"+ROUND(C29*(1+E29),0)","v":36},0.08]
[null,"Tier 2 Drug",150,162,{"$f":"+E29","v":0.08}]
[null,"Tier 3 Drug",1500,1620,{"$f":"+E30","v":0.08}]