Cost Estimator Tools

The Hospital Sisters Health System offers a Choice Toolkit designed to help you select the medical plan that best fits your needs, and decide whether the Flexible Spending Accounts (FSAs) make sense for you. The Choice Toolkit includes a:

  • HSHS Healthy Plan Cost Estimator, to help you compare your estimated total costs under each of the three medical plan options, based on what you are likely to pay for your share of the cost of:
    • The coverage you select - Basic, Intermediate or High Option - and who you are covering
    • The care you need during the year.

The HSHS Healthy Plan Cost Estimator includes a built-in Health Care FSA estimator to help you estimate your out-of-pocket medical, dental and vision costs, and see the possible federal tax savings if you use a Health Care FSA to pay those expenses with pre-tax dollars.

The site also includes:

As you consider the FSA Estimator results, keep in mind that you will forfeit or lose any money in the

  • Dependent Care FSA that you don't use before the end of 2016.
  • Health Care FSA that you don't use before March 15, 2017.

That makes it important to carefully estimate your likely expenses for 2016 plan year before setting your FSA contributions for the year. You must file claims by May 1, 2017 for 2016 plan year expenses.

Important Legal Information

The HSHS Healthy Plan Cost Estimator is a financial comparison tool that allows you to estimate relative costs across your medical options. Estimates are based on regional average medical cost data and most of the specific provisions of the HSHS medical coverage options. Because costs vary by provider and not all option details are included, actual costs will vary from the costs the estimator provides. Actual costs may also vary based on the order in which services are incurred and by the specific family member using a service (if applicable). In the event of any contradiction between the information contained in this estimator and the Plan Documents, the Plan Documents shall govern in all cases. To protect your privacy, your entries are not systematically tracked. Please remember to print any scenarios you want to look at later-your information is deleted when you close this window, click on "Reset" or go to another Web page.