Meet Carlos! Carlos works hard and plays hard. He's very active and healthy, with the occasional sports injury. The below is a sample snapshot comparison of the out-of-pocket medical costs he will incur based on the ABC plan he selects and his own unique healthcare needs. Your medical costs may vary. Annual medical services: ACTUAL COST GOLD PLAN SILVER PLAN He gets his annual physical. Carlos Pays Carlos Pays There is no cost to the Annual Physical $0 $0 $0 member for this preventive service. He is prescribed allergy Allergy Medication x4 $80 ($20/fill) $20 copay x4 $20 copay x4 medication, a Tier 1 prescription, twice a year for seasonal allergies. Carlos will Emergency Room Visit $1,900 $500 deductible; $250 copay $750 deductible; $250 copay pay the copay for each of these prescriptions. He has a minor accident and Overall cost of services Overall cost of services visits the emergency room Deductible $500 $750 for treatment. He is responsible for paying the Coinsurance $0 $0 cost up to his deductible, Copays $290 $290 plus a copay. Annual Payroll Deductions $2,940 $2,340 If you have no medical claims all / year / year $3,730 $3,380 year, you will save $600 in payroll deductible by selecting the Silver Save $350 on this plan plan over the Gold plan