Meet Shannon: Ready to Tackle Her Firsts
Shannon is new to Wilbur-Ellis and new to the workforce. She recently graduated from college and is tackling a variety of “firsts” in her life. Shannon needs some guidance when it comes to choosing the right benefits for her needs and budget. She can also check if she is eligible to remain covered under one of her parent’s medical plans offered through their employer. Shannon is looking for ways to save for a rainy day and still have some money set aside for fun.
Shannon loves to work hard and play hard. On any given weekend, she could be playing in a soccer game, hiking, or training for a marathon. Shannon had a minor running injury late last year and while that has not slowed her down, she still needs physical therapy for lingering knee issues. Otherwise, she is healthy, manages to hit the gym to stay in shape, and only uses her primary care provider for her annual physical.
After speaking to the Blue Shield of California Concierge about what’s covered, here are the plans Shannon chooses to help her get the most out of her Wilbur-Ellis benefits and still save for the future. There are a variety of programs for Shannon to take advantage of to help bring her healthcare costs down, including Shield Concierge Services, which helps her connect directly with a BSCA concierge on her phone to find a provider, compare medical costs, explore lower cost prescriptions, and more:
Shannon decides to enroll in the Blue Shield of California HSA Black medical plan, as well as the Delta Dental PPO plan to cover herself. She also enrolls in the Sun Life Voluntary Accident plan and Allstate Identity Protection. Below is a comparison of the medical plan annual deductible and out-of-pocket maximum, HSA contribution from Wilbur-Ellis, and contributions for coverage in 2027.
| 2027 Plan Year | |
|---|---|
| Medical Coverage: Blue Shield of California HSA Black – Individual Coverage | |
| Deductible (In-Network) | $4,000 |
| Out-of-Pocket Maximum (In-Network) | $5,000 |
| Wilbur-Ellis HSA Contributions | $400 |
| Monthly Contributions | |
| Medical Premiums | $95.14 |
| Dental Premiums | $15.32 |
| Accident Premiums | $4.31 |
| Identity Protection Premiums | $7.50 |
| Shannon’s Health Care Costs Per Month | $122.27 |
Meet Vijay: Adding to His Growing Family
Vijay is new to Wilbur-Ellis and he and his spouse recently welcomed their second child. He’s learning how to manage his growing family with two small children. He’s looking for coverage that offers the care he needs, without putting a big dent in his bank account. He’s also looking for convenient ways to access care when he and his family need it.
With a new baby, Vijay and his spouse spend a fair amount of time at the doctor for check-ups and preventive care. And, with a young toddler, there’s a good chance he will need a quick trip to the urgent care, in addition to regular check-ups and immunizations.
Here are the plans Vijay chooses to help him meet his needs and get the most out of his benefits. Vijay can also use Shield Concierge Services through Blue Shield of California to help him reduce costs and save time for minor health concerns:
Vijay decides to enroll in the Blue Shield of California HSA Yellow medical plan, as well as the Delta Dental PPO plan and the VSP Vision Plan, covering himself, his spouse, and his children. He also enrolls in Supplemental Life coverage for himself and ARAG Legal Insurance. Below is a comparison of the medical plan annual deductible and out-of-pocket maximum, HSA contribution from Wilbur-Ellis, and contributions for coverage for 2027.
| 2027 Plan Year | |
|---|---|
| Medical Coverage: Blue Shield of California HSA Yellow – Family Coverage | |
| Deductible (In-Network) | $4,000 |
| Out-of-Pocket Maximum (In-Network) | $10,000 |
| Wilbur-Ellis HSA Contributions | $2,000 |
| Monthly Contributions | |
| Medical Premiums | $494.11 |
| Dental Premiums | $42.26 |
| Vision Premiums | $11.70 |
| Supplemental Life Premiums | $43.20 |
| Legal Insurance Premiums | $19.85 |
| Vijay’s Health Care Costs Per Month | $611.12 |
Meet Carlos: Preparing for a Busy Year
Carlos and his spouse are always learning new ways to balance work and family. They have two teenage children still in high school and the oldest is getting ready to go to college next year. Carlos knows that life in 2027 will be a hectic, new journey.
Carlos and his family are relatively healthy, but his spouse is a cancer survivor and visits the doctor several times a year for check-ups and tests. Carlos is looking for a plan that offers comprehensive coverage that offers peace of mind for his spouse and covers his daughter who will be away at college.
Here are the plans Carlos chooses to help his family meet their unique needs:
Carlos decides to enroll in the Blue Shield of California PPO medical plan, as well as the Delta Dental PPO plan and the VSP Vision Plan, covering himself, his spouse, and his children. He also enrolls in Critical Illness coverage for himself and his spouse, and Supplemental Life coverage for himself. Below is a comparison of the medical plan annual deductible and out-of-pocket maximum, and contributions for coverage for 2027.
| 2027 Plan Year | |
|---|---|
| Medical Coverage: Blue Shield of California PPO – Family Coverage | |
| Deductible (In-Network) | $1,500 |
| Out-of-Pocket Maximum (In-Network) | $7,000 |
| Monthly Contributions | |
| Medical Premiums | $1,042.44 |
| Dental Premiums | $42.26 |
| Vision Premiums | $11.70 |
| Critical Illness Premiums | $77.40 |
| Supplemental Life Premiums | $44.64 |
| Carlos’s Health Care Costs Per Month | $1,218.44 |