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["University of Arkansas System Health Benefits Calculator for 2024 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]
[]
["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,"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: $193 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 diagnostic doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 diagnostic doctor’s office visit: $143"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 Tier-2 antibiotic: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 antibiotic: $177"},null,null,null,null,null,null,null," ",null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Your Annual Costs",null,null,null,null,null,null,null," ",null,1]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,1]
["Preventive visit",0,0,0,null,null,null,null,null,null,1]
["Office visit",{"$f":"+Lists!$D$20","v":143},{"$f":"O46","v":35},{"$f":"P46","v":25},null,null,null,null,null,null,1]
["Tier-2 prescription drugs",{"$f":"+Lists!$D$30","v":177},{"$f":"O53","v":62},{"$f":"P53","v":57},null,null,null,null,null,null,1]
["Total out-of-pocket expenses",{"$f":"+SUM(B35:B37)","v":320},{"$f":"+SUM(C35:C37)","v":97},{"$f":"+SUM(D35:D37)","v":82},null,null,null,null,null,null,1,"2024 Plan Designs"]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,1,null,null,"Health Savings Plan","Classic Plan","Premier Plan"]
["Employee premium for coverage",{"$f":"+$B$16*12","v":960},{"$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$16=\"N\"),1,0)","v":1},"Medical"]
["Employee net cost",{"$f":"+B38+B40-B39","v":630},{"$f":"+C38+C40","v":1537},{"$f":"+D38+D40","v":2002},null,null,null,null,null,null,1,"Deductible","Single",3200,1350,800]
[null,null,null,null,null,null,null,null,null,null,1,null,"Family",{"$f":"N41*2","v":6400},2700,1600]
[{"$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,1,"Coinsurance",null,0.1,0.25,0.2]
[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,1,null,"Family",13300,10500,6400]
["Employee Only - High Health Care Needs",null,null,null,null,null,null,null,null,null,1,"PCP Office Visit",null,{"$f":"N43","v":0.1},35,25]
[null,null,null,null,null,null,null,null,null,null,1,"Specialist Office Visit",null,{"$f":"N43","v":0.1},55,45]
[{"$f":"\"• 1 preventive doctor’s office visit: \"&TEXT(Lists!$D$19,\"$0\")&\" ($0 member cost in-network, since in-network preventive visits are covered at 100%)\"","v":"• 1 preventive doctor’s office visit: $193 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"• 1 emergency room visit: \"&TEXT(Lists!$D$21,\"$0,000\")","v":"• 1 emergency room visit: $1,385"},null,null,null,null,null,null,null,null,null,1,"Prescription Drug",null,"Health Savings Plan","Classic Plan","Premier Plan"]
[{"$f":"\"• 3 days in the hospital: \"&TEXT(Lists!$D$22*3,\"$0,000\")","v":"• 3 days in the hospital: $9,165"},null,null,null,null,null,null,null,null,null,1,"Out-of-Pocket\nMaximum","Single","Combined with Medical",1800,1800]
[{"$f":"\"• 6 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*6,\"$000\")","v":"• 6 specialist doctor’s office visits: $858"},null,null,null,null,null,null,null,null,null,1,null,"Family","Combined with Medical",3600,3600]
[{"$f":"\"• 2 Tier-2 antibiotics: \"&TEXT(Lists!$D$30*2,\"$0\")","v":"• 2 Tier-2 antibiotics: $354"},null,null,null,null,null,null,null,null,null,1,"Tier 1 Drug",null,0.1,18,14]
[null,null,null,null,null,null,null,null,null,null,1,"Tier 2 Drug",null,0.1,62,57]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,1,"Tier 3 Drug",null,0.1,97,92]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,1]
["Preventive visit",0,0,0,null,null,null,null,null,null,1,"Hospical Inpatient Services","Copay, then coinsurance",0.1,300,300]
["Emergency room visit (admitted)",{"$f":"+Lists!$D$21","v":1385},0,0,null,null,null,null,null,null,1,"Outpatient Diagnostic Testing and Surgical Services","Copay, then coinsurance",0.1,160,80]
["Hospital stay",{"$f":"+(N41-B57)+(Lists!$D$22*3-(N41-B57))*N43","v":2550},{"$f":"O56+O41+(Lists!$D$22*3-O56-O41)*O43","v":3528.75},{"$f":"P56+P41+(Lists!$D$22*3-P56-P41)*P43","v":2713},null,null,null,null,null,null,1]
["Specialist office visits",{"$f":"Lists!D23*6*N47","v":85.800000000000011},{"$f":"6*O47","v":330},{"$f":"6*P47","v":270},null,null,null,null,null,null,1,"HSA Contribution","Single",650]
["Tier-2 prescriptions drugs",{"$f":"Lists!D30*N53","v":17.7},{"$f":"O53*2","v":124},{"$f":"P53*2","v":114},null,null,null,null,null,null,1,"HSA Contribution","Family",1300]
["Total out-of-pocket expenses",{"$f":"+SUM(B56:B60)","v":4038.5},{"$f":"+SUM(C56:C60)","v":3982.75},{"$f":"+SUM(D56:D60)","v":3097},null,null,null,null,null,null,1]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,1]
["Employee premium for coverage",{"$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":"+B61+B63-B62","v":4348.5},{"$f":"+C61+C63","v":5422.75},{"$f":"+D61+D63","v":5017},null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[{"$f":"\"Based on these expenses, the lowest-cost option for you would be the \"&INDEX(B55:D55,MATCH(MIN(B64:D64),B64:D64,0))&\".\"","v":"Based on these expenses, the lowest-cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
[null,null,null,null,null,null,null,null,null,null,1]
["Employee and Spouse - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$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: $468"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$D$20*2,\"$0\")","v":"• 2 doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[{"$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: $193 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier 1 drugs: \"&TEXT(Lists!$D$29*6,\"$0\")","v":"• 6 Tier 1 drugs: $234"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$D$20*2,\"$0\")","v":"• 2 doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier-2 drugs: \"&TEXT(Lists!$D$30*2,\"$0\")","v":"• 2 Tier-2 drugs: $354"},null,null,null,null,null,null,null,null,null,0]
[{"$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: $193 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*12","v":468},{"$f":"12*O52","v":216},{"$f":"12*P52","v":168},null,null,null,null,null,null,0]
["Employee's office visits",{"$f":"+Lists!D20*2","v":286},{"$f":"2*O46","v":70},{"$f":"2*P46","v":50},null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!D23*2","v":286},{"$f":"2*O47","v":110},{"$f":"2*P47","v":90},null,null,null,null,null,null,0]
["Spouse's Tier 1 prescription drugs",{"$f":"+Lists!D29*6","v":234},{"$f":"6*O52","v":108},{"$f":"6*P52","v":84},null,null,null,null,null,null,0]
["Spouse's office visits",{"$f":"+Lists!D20*2","v":286},{"$f":"2*O46","v":70},{"$f":"2*P46","v":50},null,null,null,null,null,null,0]
["Spouse's Tier 2 prescription drugs",{"$f":"+Lists!D30*2","v":354},{"$f":"2*O53","v":124},{"$f":"2*P53","v":114},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B85:B91)","v":1914},{"$f":"+SUM(C85:C91)","v":698},{"$f":"+SUM(D85:D91)","v":556},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$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":"+B92+B94-B93","v":2224},{"$f":"+C92+C94","v":2138},{"$f":"+D92+D94","v":2476},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B84:D84,MATCH(MIN(B95:D95),B95:D95,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Classic Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Spouse - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 ambulance: \"&TEXT(Lists!$D$24,\"$0,000\")","v":"• 1 ambulance: $1,168"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 emergency room visit: \"&TEXT(Lists!$D$21,\"$0,000\")","v":"• 1 emergency room visit: $1,385"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 days in the hospital: \"&TEXT(Lists!$D$22*4,\"$0,000\")","v":"• 4 days in the hospital: $12,220"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier 3 medication: \"&TEXT(Lists!$D$31,\"$0,000\")","v":"• 1 Tier 3 medication: $1,766"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*3,\"$0\")","v":"• 3 specialist doctor’s office visits: $429"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 14 physical therapy visits: \"&TEXT(Lists!$D$25*14,\"$0,000\")","v":"• 14 physical therapy visits: $3,752"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Spouse's ambulance",{"$f":"+Lists!D24","v":1168},0,0,null,null,null,null,null,null,0]
["Spouse's emergency room visit (admitted)",{"$f":"+Lists!D21","v":1385},0,0,null,null,null,null,null,null,0]
["Spouse's hospital stay",{"$f":"+(N41-B113-B112)+(Lists!D22*4-(N41-B113-B112))*N43","v":1804.3},{"$f":"MIN(O56+O41+(Lists!$D$22*4-O56-O41)*O43,O44)","v":4292.5},{"$f":"MIN(P56+P41+(Lists!$D$22*4-P56-P41)*P43,P44)","v":3200},null,null,null,null,null,null,0]
["Spouse's Tier 3 prescription drugs",{"$f":"Lists!D31*N54","v":176.60000000000002},{"$f":"O54*1","v":97},{"$f":"P54*1","v":92},null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"Lists!D23*3*N47","v":42.900000000000006},{"$f":"MIN(3*O47,MAX(0,O44-C114))","v":165},{"$f":"MIN(3*P47,MAX(0,P44-D114))","v":0},null,null,null,null,null,null,0]
["Spouse's physical therapy visits",{"$f":"Lists!D25*14*N43","v":375.20000000000005},{"$f":"MIN(O47+(Lists!$D$25*14-O47)*O43,MAX(O44-C116-C114-C113-C112,0))","v":792.5},{"$f":"MIN(P47+(Lists!$D$25*14-P47)*P43,MAX(P44-D116-D114-D113-D112,0))","v":0},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B112:B117)","v":4952},{"$f":"+SUM(C112:C117)","v":5347},{"$f":"+SUM(D112:D117)","v":3292},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$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":"+B118+B120-B119","v":5262},{"$f":"+C118+C120","v":6787},{"$f":"+D118+D120","v":5212},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B111:D111,MATCH(MIN(B121:D121),B121:D121,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Premier Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Child - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$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: $193 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 doctor’s office visit: $143"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier 1 drugs: \"&TEXT(Lists!$D$29*2,\"$0\")","v":"• 2 Tier 1 drugs: $78"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Child's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$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: $193 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier-2 drug: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 drug: $177"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 doctor’s office visits: \"&TEXT(Lists!$D$20*2,\"$0\")","v":"• 2 doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!D20","v":143},{"$f":"O46","v":35},{"$f":"P46","v":25},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*2","v":78},{"$f":"2*O52","v":36},{"$f":"2*P52","v":28},null,null,null,null,null,null,0]
["Child's office visits",{"$f":"+Lists!D20*2","v":286},{"$f":"2*O46","v":70},{"$f":"2*P46","v":50},null,null,null,null,null,null,0]
["Child's Tier 2 prescription drugs",{"$f":"+Lists!D30","v":177},{"$f":"O53","v":62},{"$f":"P53","v":57},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B140:B144)","v":684},{"$f":"+SUM(C140:C144)","v":203},{"$f":"+SUM(D140:D144)","v":160},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$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":"+B145+B147-B146","v":994},{"$f":"+C145+C147","v":1643},{"$f":"+D145+D147","v":2080},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B139:D139,MATCH(MIN(B148:D148),B148:D148,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Children - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$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: $193 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 Tier 1 drugs: \"&TEXT(Lists!$D$29*3,\"$0\")","v":"• 3 Tier 1 drugs: $117"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 urgent care visit: \"&TEXT(Lists!$D$26,\"$0\")","v":"• 1 urgent care visit: $174"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier 3 medication: \"&TEXT(Lists!$D$31,\"$0,000\")","v":"• 1 Tier 3 medication: $1,766"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 4 days in the hospital: \"&TEXT(Lists!$D$22*4,\"$0,000\")","v":"• 4 days in the hospital: $12,220"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 3 Tier 1 drugs: \"&TEXT(Lists!$D$29*3,\"$0\")","v":"• 3 Tier 1 drugs: $117"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's specialist office visits",{"$f":"+Lists!D23*2","v":286},{"$f":"O47*2","v":110},{"$f":"P47*2","v":90},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*3","v":117},{"$f":"O52*3","v":54},{"$f":"P52*3","v":42},null,null,null,null,null,null,0]
["Daughter's urgent care visit",{"$f":"+Lists!D26","v":174},{"$f":"O47","v":55},{"$f":"P47","v":45},null,null,null,null,null,null,0]
["Daughter's Tier 3 prescription drugs",{"$f":"+Lists!D31","v":1766},{"$f":"O54","v":97},{"$f":"P54","v":92},null,null,null,null,null,null,0]
["Daughter's hospital stay",{"$f":"+(N41-B175-B176)+(Lists!$D$22*4-(N41-B175-B176))*N43","v":2356},{"$f":"MIN(O56+O41+(Lists!$D$22*4-O56-O41)*O43,O44-C175)","v":4292.5},{"$f":"MIN(P56+P41+(Lists!$D$22*4-P56-P41)*P43,P44-D175)","v":3155},null,null,null,null,null,null,0]
["Daughter's specialist office visits",{"$f":"Lists!D23*2*N47","v":28.6},{"$f":"MIN(2*O47,O44-C175-C177)","v":110},{"$f":"MIN(2*P47,P44-D175-D177)","v":0},null,null,null,null,null,null,0]
["Son's specialist office visits",{"$f":"+Lists!D23*2","v":286},{"$f":"2*O47","v":110},{"$f":"2*P47","v":90},null,null,null,null,null,null,0]
["Son's Tier 1 prescription drugs",{"$f":"+Lists!D29*3","v":117},{"$f":"3*O52","v":54},{"$f":"3*P52","v":42},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B172:B180)","v":5130.6000000000004},{"$f":"+SUM(C172:C180)","v":4882.5},{"$f":"+SUM(D172:D180)","v":3556},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$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":"+B181+B183-B182","v":5440.6},{"$f":"+C181+C183","v":6322.5},{"$f":"+D181+D183","v":5476},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B171:D171,MATCH(MIN(B184:D184),B184:D184,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - Low Health Care Needs",null,null,null,null,null,null,null,null,null,{"$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: $143"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 6 Tier 1 drugs: \"&TEXT(Lists!$D$29*6,\"$0\")","v":"• 6 Tier 1 drugs: $234"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier-2 drug: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 drug: $177"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Spouse's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 specialist doctor’s office visits: \"&TEXT(Lists!$D$23*2,\"$000\")","v":"• 2 specialist doctor’s office visits: $286"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier-2 drug: \"&TEXT(Lists!$D$30,\"$0\")","v":"• 1 Tier-2 drug: $177"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier 1 drugs: \"&TEXT(Lists!$D$29*2,\"$0\")","v":"• 2 Tier 1 drugs: $78"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 doctor’s office visit: $143"},null,null,null,null,null,null,null,null,null,0]
[{"$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: $579 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Employee's office visit",{"$f":"+Lists!D20","v":143},{"$f":"O46","v":35},{"$f":"P46","v":25},null,null,null,null,null,null,0]
["Employee's Tier 1 prescription drugs",{"$f":"+Lists!D29*6","v":234},{"$f":"O52*6","v":108},{"$f":"P52*6","v":84},null,null,null,null,null,null,0]
["Employee's Tier 2 prescription drugs",{"$f":"+Lists!D30","v":177},{"$f":"O53","v":62},{"$f":"P53","v":57},null,null,null,null,null,null,0]
["Spouse's specialist office visits",{"$f":"+Lists!D23*2","v":286},{"$f":"2*O47","v":110},{"$f":"2*P47","v":90},null,null,null,null,null,null,0]
["Spouse's Tier 2 prescription drugs",{"$f":"+Lists!D30","v":177},{"$f":"O53","v":62},{"$f":"P53","v":57},null,null,null,null,null,null,0]
["Daughter's Tier 1 prescription drugs",{"$f":"+Lists!D29*2","v":78},{"$f":"2*O52","v":36},{"$f":"2*P52","v":28},null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"+Lists!D20","v":143},{"$f":"O46","v":35},{"$f":"P46","v":25},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B207:B214)","v":1238},{"$f":"+SUM(C207:C214)","v":448},{"$f":"+SUM(D207:D214)","v":366},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$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":"+B215+B217-B216","v":1548},{"$f":"+C215+C217","v":1888},{"$f":"+D215+D217","v":2286},null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"Based on these expenses, the lowest cost option for you would be the \"&INDEX(B206:D206,MATCH(MIN(B218:D218),B218:D218,0))&\".\"","v":"Based on these expenses, the lowest cost option for you would be the Health Savings Plan."},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Employee and Family - High Health Care Needs",null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Daughter's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 outpatient surgery: \"&TEXT(Lists!$D$27,\"$0,000\")","v":"• 1 outpatient surgery: $3,544"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 2 Tier-2 drugs: \"&TEXT(Lists!$D$30*2,\"$0\")","v":"• 2 Tier-2 drugs: $354"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 doctor’s office visit: \"&TEXT(Lists!$D$20,\"$0\")","v":"• 1 doctor’s office visit: $143"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Son's Expenses",null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 urgent care visit: \"&TEXT(Lists!$D$26,\"$0\")","v":"• 1 urgent care visit: $174"},null,null,null,null,null,null,null,null,null,0]
[{"$f":"\"• 1 Tier 1 drug: \"&TEXT(Lists!$D$29,\"$0\")","v":"• 1 Tier 1 drug: $39"},null,null,null,null,null,null,null,null,null,0]
[{"$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: $772 ($0 member cost in-network, since in-network preventive visits are covered at 100%)"},null,null,null,null,null,null,null,null,null,0]
[null,null,null,null,null,null,null,null,null,null,0]
["Your Annual Costs",null,null,null,null,null,null,null,null,null,0]
[null,"Health Savings Plan","Classic Plan","Premier Plan",null,null,null,null,null,null,0]
["Preventive visits for each family member",0,0,0,null,null,null,null,null,null,0]
["Daughter's outpatient surgery",{"$f":"N41+(Lists!$D$27-N41)*N43","v":3234.4},{"$f":"ROUNDDOWN(O57+O41+(Lists!$D$27-O57-O41)*O43,0)","v":2018},{"$f":"ROUND(P57+P41+(Lists!$D$27-P57-P41)*P43,0)","v":1413},null,null,null,null,null,null,0]
["Daughter's Tier 2 prescription drugs",{"$f":"Lists!D30*2*N53","v":35.4},{"$f":"O53*2","v":124},{"$f":"P53*2","v":114},null,null,null,null,null,null,0]
["Daughter's office visit",{"$f":"Lists!D20*N46","v":14.3},{"$f":"O46","v":35},{"$f":"P46","v":25},null,null,null,null,null,null,0]
["Son's urgent care visit",{"$f":"+Lists!D26","v":174},{"$f":"O47","v":55},{"$f":"P47","v":45},null,null,null,null,null,null,0]
["Son's Tier 1 prescription drugs",{"$f":"+Lists!D29","v":39},{"$f":"O52","v":18},{"$f":"P52","v":14},null,null,null,null,null,null,0]
["Total out-of-pocket expenses",{"$f":"+SUM(B237:B242)","v":3497.1000000000004},{"$f":"+SUM(C237:C242)","v":2250},{"$f":"+SUM(D237:D242)","v":1611},null,null,null,null,null,null,0]
["University contribution to Health Savings Account",{"$f":"+IF($B$13=\"Employee Only\",$N$59,$N$60)","v":650},"N/A","N/A",null,null,null,null,null,null,0]
["Employee premium for coverage",{"$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":"+B243+B245-B244","v":3807.1000000000004},{"$f":"+C243+C245","v":3690},{"$f":"+D243+D245","v":3531},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(B236:D236,MATCH(MIN(B246:D246),B246:D246,0))&\".\"","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":8,"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","2023 Model","2024 Model","Assumed Trend"]
[null,"Preventative Office Visit",182,{"$f":"+ROUND(C19*(1+E19),0)","v":193},0.06]
[null,"Diagnostic Doctor Office Visit",135,{"$f":"+ROUND(C20*(1+E20),0)","v":143},{"$f":"+E19","v":0.06}]
[null,"ER Visit",1307,1385,{"$f":"+E20","v":0.06}]
[null,"1 Day Hospital Stay",2882,3055,0.06]
[null,"Specialist Diagnostic Doctor Office Visit",135,143,0.06]
[null,"Ambulance",1102,1168,0.06]
[null,"Physical Therapy Visit",253,268,0.06]
[null,"Urgent Care Visit",164,174,0.06]
[null,"Outpatient Surgery",3343,3544,0.06]
[]
[null,"Tier 1 Drug",36,{"$f":"+ROUND(C29*(1+E29),0)","v":39},0.09,null,null,"< Trend from 7/1/23 Rate Projections Doc# 6224344"]
[null,"Tier 2 Drug",162,177,{"$f":"+E29","v":0.09}]
[null,"Tier 3 Drug",1620,1766,{"$f":"+E30","v":0.09}]