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[null,"2020-21 Plan Comparison Calculator"]
[]
[null,null,"Step 1: Who will be covered?",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Expected Utilization"]
[null,null,"Coverage Level",null,null,null,"Region/State \nWhere you live",null,null,null,"Full Time or Part Time?",null,null,null,null,null,null,null,null,"Optional:  You can select a pre-defined expected utilization for the upcoming plan year.  This will automatically populate certain areas in the calculator depending on the level of utilization selected.  Each slider can be modified after a selection has been made, if necessary."]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+'Selected Options'!G3","v":1}]
[]
[]
[null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"Step 2:  What are your anticipated health care needs for the year?\",\"Step 2:  What are you and your dependents anticipated health care needs for the year?\")","v":"Step 2:  What are your anticipated health care needs for the year?"}]
[null,"Doctor Visits & Lab",null,null,null,null,null,null,null,null,null,null,null,null,null,"Prescription Drug"]
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[null,null,"Primary Care Office Visits (non-preventive)",null,null,null,null,null,null,null,null,null,null,"Visits",null,null,"Tier 1 - Generic Rx",null,null,null,null,null,null,null,null,null,null,"Scripts"]
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[null,null,{"$f":"+CONCATENATE(\"Labs and other procedures performed in physician's office are not included. Assumes \",TEXT('Allowed Costs'!B4,\"$0\"),\" per visit.\")","v":"Labs and other procedures performed in physician's office are not included. Assumes $140 per visit."},null,null,null,null,"You",null,null,null,null,null,0,null,null,{"$f":"+CONCATENATE(\"Enter the total # of annual generic scripts expected.  Calculator assumes \",TEXT('Allowed Costs'!$B$11,\"$0\"),\"/script.\")","v":"Enter the total # of annual generic scripts expected.  Calculator assumes $35/script."},null,null,null,null,"You",null,null,null,null,null,0]
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[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0]
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[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0]
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[null,null,"Specialist Office Visits",null,null,null,null,null,null,null,null,null,null,"Visits",null,null,"Tier 2 - Preferred Brand Rx",null,null,null,null,null,null,null,null,null,null,"Scripts"]
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[null,null,{"$f":"+CONCATENATE(\"Labs and other procedures performed in physician's office are not included. Assumes \",TEXT('Allowed Costs'!B5,\"$0\"),\" per visit.\")","v":"Labs and other procedures performed in physician's office are not included. Assumes $225 per visit."},null,null,null,null,"You",null,null,null,null,null,0,null,null,{"$f":"+CONCATENATE(\"Enter the total # of annual preferred brand scripts expected.  Calculator assumes \",TEXT('Allowed Costs'!$B$12,\"$0\"),\"/script.\")","v":"Enter the total # of annual preferred brand scripts expected.  Calculator assumes $300/script."},null,null,null,null,"You",null,null,null,null,null,0]
[]
[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0]
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[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0]
[]
[null,null,"Lab/X-ray/Radiology - Hospital/Outpatient Facility",null,null,null,null,null,null,null,null,null,null,"Visits",null,null,"Tier 3 - Non-Preferred Rx",null,null,null,null,null,null,null,null,null,null,"Scripts"]
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[null,null,{"$f":"+CONCATENATE(\"Calculator assumes \",TEXT('Allowed Costs'!B6,\"$0\"),\" per visit.\")","v":"Calculator assumes $500 per visit."},null,null,null,null,"You",null,null,null,null,null,0,null,null,{"$f":"+CONCATENATE(\"Enter the total # of annual non-preferred scripts expected.  Calculator assumes \",TEXT('Allowed Costs'!$B$13,\"$0\"),\"/script.\")","v":"Enter the total # of annual non-preferred scripts expected.  Calculator assumes $350/script."},null,null,null,null,"You",null,null,null,null,null,0]
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[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0]
[]
[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0]
[]
[null,"Major Health Events & Other Costs"]
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[null,null,"Hospitalization / Inpatient Services",null,null,null,null,null,null,null,null,null,null,"Admits",null,null,"Emergency Room Visits",null,null,null,null,null,null,null,null,null,null,"Visits"]
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[null,null,{"$f":"+CONCATENATE(\"Calculator assumes \",TEXT('Allowed Costs'!$B$7,\"$0,000\"),\" per admit.\")","v":"Calculator assumes $15,000 per admit."},null,null,null,null,"You",null,null,null,null,null,0,null,null,{"$f":"+CONCATENATE(\"Calculator assumes \",TEXT('Allowed Costs'!$B$9,\"$0,000\"),\" per emergency room visit.\")","v":"Calculator assumes $2,000 per emergency room visit."},null,null,null,null,"You",null,null,null,null,null,0]
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[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"Spouse\",IF('Selected Options'!$G$3=3,\"Child\",(IF('Selected Options'!$G$3=4,\"Spouse\",(IF('Selected Options'!$G$3=5,\"Spouse\",\"Dependent\"))))))))","v":""},null,null,null,null,null,0]
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[null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0,null,null,null,null,null,null,null,{"$f":"+IF('Selected Options'!$G$3=1,\"\",(IF('Selected Options'!$G$3=2,\"\",IF('Selected Options'!$G$3=3,\"Child(ren)\",(IF('Selected Options'!$G$3=4,\"Child(ren)\",(IF('Selected Options'!$G$3=5,\"Child(ren)\",\"\"))))))))","v":""},null,null,null,null,null,0]
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[null,null,"Outpatient Surgery",null,null,null,null,null,null,null,null,null,null,"Procedures",null,null,"Telemedicine Visits",null,null,null,null,null,null,null,null,null,null,"Visits"]
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[]
[]
[]
[null,null,"Step 3:  Plan Cost Comparison"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HSA Balance",{"$f":"+Calculations!C137-Calculations!C144","v":0},null,"HSA Balance",{"$f":"+Calculations!C209-Calculations!C216","v":1E-3}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HSA Used",{"$f":"+Calculations!C144","v":0},null,"HSA Used",{"$f":"+Calculations!C216","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HSA Balance",{"$f":"+Calculations!C65-Calculations!C72","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"HSA Used",{"$f":"+Calculations!C72","v":0}]
[]
[]
[]
[null,null,"Disclaimers:"]
[null,null," - Refer to your Explanation of Benefits (EOB) or Summary Statements for more detailed plan costs."]
[null,null," - This calculator assumes all claims are in-network and all prescriptions are filled at retail."]
[null,null," - Healthcare costs are unpredictable; this comparison sheet provides only a general estimate of healthcare costs, based on average procedure cost.  Your actual cost will be different."]

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[]
[{"$f":"+A146","v":"HDHP"},null,"Copay Amount","Copay","Ded Only","Coins Only","Ded/Coins","Copay, Coins","Copay, D/C","Copay Amount",null,"Units","Total Charges",null,"Copay","Ded Only","Coins Only","Ded/Coins","Copay, Coins","Copay, D/C","Total",null,"OOPM Accum"]
[{"$f":"+A113","v":""},"Services"]
[null,"PCP",{"$f":"+C148","v":0},{"$f":"+D148","v":"N"},{"$f":"+E148","v":"N"},"N","Y","N","N",{"$f":"+C186","v":0},null,{"$f":"+L42","v":0},{"$f":"+L186*'Allowed Costs'!$B$4","v":0},null,{"$f":"+IF(OR(D186=\"Y\",I186=\"Y\"),L186*C186,0)","v":0},{"$f":"+IF(E186=\"Y\",M186,0)","v":0},{"$f":"+IF(F186=\"Y\",M186,0)","v":0},{"$f":"+IF(G186=\"Y\",M186,0)","v":0},{"$f":"+IF(H186=\"Y\",IF((M186-(L186*J186))>0,M186-(L186*J186),0),0)","v":0},{"$f":"+IF(I186=\"Y\",IF((M186-(L186*J186))>0,M186-(L186*J186),0),0)","v":0},{"$f":"IF(W186=\"Y\",SUM(O186:T186),0)","v":0},null,{"$f":"+W148","v":"Y"}]
[null,"SCP",{"$f":"+C149","v":0},"N","N","N","Y","N","N",0,null,{"$f":"+L43","v":0},{"$f":"+L187*'Allowed Costs'!$B$5","v":0},null,{"$f":"+IF(OR(D187=\"Y\",I187=\"Y\"),L187*C187,0)","v":0},{"$f":"+IF(E187=\"Y\",M187,0)","v":0},{"$f":"+IF(F187=\"Y\",M187,0)","v":0},{"$f":"+IF(G187=\"Y\",M187,0)","v":0},{"$f":"+IF(H187=\"Y\",IF((M187-(L187*J187))>0,M187-(L187*J187),0),0)","v":0},{"$f":"+IF(I187=\"Y\",IF((M187-(L187*J187))>0,M187-(L187*J187),0),0)","v":0},0,null,{"$f":"+W149","v":"Y"}]
[null,"Lab/X-ray",{"$f":"+C150","v":0},"N","N","N","Y","N","N",0,null,0,{"$f":"+L188*'Allowed Costs'!$B$6","v":0},null,0,0,0,0,0,0,0,null,"Y"]
[null,"IP",{"$f":"+C151","v":0},"N","N","N","Y","N","N",0,null,0,{"$f":"+L189*'Allowed Costs'!$B$7","v":0},null,0,0,0,0,0,0,0,null,"Y"]
[null,"OP",{"$f":"+C152","v":0},"N","N","N","Y","N","N",0,null,0,{"$f":"+L190*'Allowed Costs'!$B$8","v":0},null,0,0,0,0,0,0,0,null,"Y"]
[null,"ER",{"$f":"+C153","v":0},"N","N","N","Y","N","N",0,null,0,{"$f":"+L191*'Allowed Costs'!$B$9","v":0},null,0,0,0,0,0,0,0,null,"Y"]
[null,"Telemedicine",{"$f":"+C154","v":0},"N","N","N","Y","N","N",0,null,0,{"$f":"+L192*'Allowed Costs'!$B$14","v":0},null,0,0,0,0,0,0,0,null,"Y"]
[null,"Rx"]
[null,"Tier 1",{"$f":"+C156","v":0},{"$f":"+D156","v":"N"},{"$f":"+E156","v":"N"},"N","Y","N","N",{"$f":"+C194","v":0},null,0,{"$f":"+L194*'Allowed Costs'!$B$11","v":0},null,{"$f":"+IF(OR(D194=\"Y\",I194=\"Y\"),L194*C194,0)","v":0},{"$f":"+IF(E194=\"Y\",M194,0)","v":0},{"$f":"+IF(F194=\"Y\",M194,0)","v":0},{"$f":"+IF(G194=\"Y\",M194,0)","v":0},{"$f":"+IF(H194=\"Y\",IF((M194-(L194*J194))>0,M194-(L194*J194),0),0)","v":0},{"$f":"+IF(I194=\"Y\",IF((M194-(L194*J194))>0,M194-(L194*J194),0),0)","v":0},{"$f":"IF(W194=\"Y\",SUM(O194:T194),0)","v":0},null,{"$f":"+W156","v":"Y"}]
[null,"Tier 2",{"$f":"+C157","v":0},{"$f":"+D157","v":"N"},"N","N","Y","N","N",{"$f":"+C195","v":0},null,0,{"$f":"+L195*'Allowed Costs'!$B$12","v":0},null,{"$f":"+IF(OR(D195=\"Y\",I195=\"Y\"),L195*C195,0)","v":0},{"$f":"+IF(E195=\"Y\",M195,0)","v":0},{"$f":"+IF(F195=\"Y\",M195,0)","v":0},{"$f":"+IF(G195=\"Y\",M195,0)","v":0},{"$f":"+IF(H195=\"Y\",IF((M195-(L195*J195))>0,M195-(L195*J195),0),0)","v":0},{"$f":"+IF(I195=\"Y\",IF((M195-(L195*J195))>0,M195-(L195*J195),0),0)","v":0},{"$f":"IF(W195=\"Y\",SUM(O195:T195),0)","v":0},null,{"$f":"+W157","v":"Y"}]
[null,"Tier 3",{"$f":"+C158","v":0},{"$f":"+D158","v":"N"},"N","N","Y","N","N",{"$f":"+C196","v":0},null,0,{"$f":"+L196*'Allowed Costs'!$B$13","v":0},null,{"$f":"+IF(OR(D196=\"Y\",I196=\"Y\"),L196*C196,0)","v":0},{"$f":"+IF(E196=\"Y\",M196,0)","v":0},{"$f":"+IF(F196=\"Y\",M196,0)","v":0},{"$f":"+IF(G196=\"Y\",M196,0)","v":0},{"$f":"+IF(H196=\"Y\",IF((M196-(L196*J196))>0,M196-(L196*J196),0),0)","v":0},{"$f":"+IF(I196=\"Y\",IF((M196-(L196*J196))>0,M196-(L196*J196),0),0)","v":0},{"$f":"IF(W196=\"Y\",SUM(O196:T196),0)","v":0},null,{"$f":"+W158","v":"Y"}]
[]
[null,null,"HRA/HSA",null,null,"Deductible","Coins After Ded","Total Coins","EE Paid Coins","Subject to OOP",null,null,null,null,{"$f":"+SUM(O186:O196)","v":0},{"$f":"+SUM(P186:P196)","v":0},{"$f":"+SUM(Q186:Q196)","v":0},{"$f":"+SUM(R186:R196)","v":0},{"$f":"+SUM(S186:S196)","v":0},{"$f":"+SUM(T186:T196)","v":0},{"$f":"+SUM(U186:U196)","v":0}]
[null,"Amounts",{"$f":"+D199+E199+F199+I199","v":0},null,null,{"$f":"+P198+R198+T198","v":0},{"$f":"+IF(F199>F200,F199-F200,0)","v":0},{"$f":"+Q198+S198+G199","v":0},{"$f":"+H199*(1-Benefits!$B$6)","v":0},{"$f":"+U198","v":0}]
[null,"Limits",{"$f":"+C162","v":1E-3},null,null,{"$f":"+IF(MIN(L206,L209-SUM(F213:F214))>0,MIN(L206,L209-SUM(F213:F214)),0)","v":1500},null,null,{"$f":"+IF('Selected Options'!$G$3=1,Benefits!$L$7-Calculations!F200,Benefits!$L$7-Calculations!F200)","v":4850},{"$f":"+I200+F200","v":6350}]
[null,"Utilized",{"$f":"IF((F201+I201)<C200,F201+I201,C200)","v":0},null,null,{"$f":"+MIN(F199,F200)","v":0},null,null,{"$f":"+MIN(I199,I200)","v":0},{"$f":"+MIN(J199,J200)","v":0}]
[]
[null,null,"HRA/HSA",null,null,"Deductible","Coins After Ded","Total Coins","EE Paid Coins"]
[null,null,"Amounts Applicable",null,null,null,null,null,null,null,null,"Embedded CAP"]
[null,null,{"$f":"+C161","v":0},null,null,{"$f":"+F161","v":0},{"$f":"+G161","v":0},{"$f":"+G205+Q160+S160","v":0},{"$f":"+H205*(1-Benefits!$L$6)","v":0},null,null,"Deductible Cap","OOP Cap"]
[null,null,{"$f":"+C180","v":0},null,null,{"$f":"+F180","v":0},{"$f":"+G180","v":0},{"$f":"+G206+Q179+S179","v":0},{"$f":"+H206*(1-Benefits!$L$6)","v":0},null,null,{"$f":"+Benefits!L4","v":1500}]
[null,null,{"$f":"+C199","v":0},null,null,{"$f":"+F199","v":0},{"$f":"+G199","v":0},{"$f":"+G207+Q198+S198","v":0},{"$f":"+H207*(1-Benefits!$L$6)","v":0},null,null,"Aggregate or Total CAP"]
[null,null,"Limits",null,null,null,null,null,null,null,null,"Deductible Cap","OOP Cap"]
[null,null,{"$f":"+Benefits!L11","v":1E-3},null,null,{"$f":"+F162","v":1500},null,null,{"$f":"+I162","v":4850},null,null,{"$f":"+IF('Selected Options'!$G$3=1,Benefits!L4,Benefits!L5)","v":1500},{"$f":"+IF('Selected Options'!$G$3=1,Benefits!$L$7-Benefits!$L$4,Benefits!$L$8-Benefits!$L$5)","v":4850}]
[null,null,{"$f":"+C209","v":1E-3},null,null,{"$f":"+F181","v":1500},null,null,{"$f":"+I181","v":4850}]
[null,null,{"$f":"+C210","v":1E-3},null,null,{"$f":"+F200","v":1500},null,null,{"$f":"+I200","v":4850}]
[null,null,"Utilized"]
[null,null,{"$f":"IF((F213+I213)<C209,F213+I213,C209)","v":0},null,null,{"$f":"+MIN(F205,F209)","v":0},null,null,{"$f":"+MIN(I205,I209)","v":0}]
[null,null,{"$f":"IF((F214+I214)<C210,F214+I214,C210)","v":0},null,null,0,null,null,{"$f":"+MIN(I206,I210)","v":0},null,null,{"$f":"+SUM(D213:D215,F213:F215,I213:I215)","v":0}]
[null,null,{"$f":"IF((F215+I215)<C211,F215+I215,C211)","v":0},null,null,0,null,null,{"$f":"+MIN(I207,I211)","v":0},null,null,{"$f":"+I216","v":0},{"$f":"+L214-L215","v":0}]
[null,"Totals",{"$f":"MIN(SUM(C213:C215),C209)","v":0},null,null,{"$f":"MIN(SUM(F213:F215),L209)","v":0},null,null,{"$f":"MIN(SUM(I213:I215),M209)","v":0},null,null,null,{"$f":"IF(M209-L215<0,0,M209-L215)","v":4850}]

{"sheet":"Benefits","index":3,"n_rows":30,"n_cols":18,"rows_kept":30,"cut":false,"hidden":true,"merged":[]}
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Embedded"]
["Option",{"$f":"+'Funding & Contributions'!A27","v":"Buy-Up"},null,null,null,null,{"$f":"+'Funding & Contributions'!A28","v":"Core"},null,null,null,null,{"$f":"+'Funding & Contributions'!A29","v":"HDHP"},null,null,null,null,null,"Aggregate"]
[]
["Deductible",750,null,null,null,null,1000,null,null,null,null,1500,"Aggregate"]
["Family Deductible",1500,null,null,null,null,2000,null,null,null,null,3000,"Aggregate"]
["Coinsurance",0.8,null,null,null,null,0.7,null,null,null,null,0.75]
["OOPM",3250,null,null,null,null,5250,null,null,null,null,6350,"Embedded"]
["Family OOPM",6500,null,null,null,null,10500,null,null,null,null,12700,"Embedded"]
["HRA/HSA?",{"$f":"+INDEX('Funding & Contributions'!$C$7:$C$11,MATCH('Funding & Contributions'!$B$3,'Funding & Contributions'!$A$7:$A$11,0))","v":0},null,null,null,null,{"$f":"+INDEX('Funding & Contributions'!$C$13:$C$17,MATCH('Funding & Contributions'!$B$3,'Funding & Contributions'!$A$13:$A$17,0))","v":0},null,null,null,null,{"$f":"+INDEX('Funding & Contributions'!$C$19:$C$23,MATCH('Funding & Contributions'!$B$3,'Funding & Contributions'!$A$19:$A$23,0))","v":1E-3}]
["HRA/HSA rollover",{"$f":"+IF('Funding & Contributions'!C7>0,Calculator!$Q$9,0)","v":0},null,null,null,null,{"$f":"+IF('Funding & Contributions'!C13>0,Calculator!$L$9,0)","v":0},null,null,null,null,{"$f":"+IF('Funding & Contributions'!C19>0,Calculator!$L$9,0)","v":0}]
["Total HRA/HSA",{"$f":"+SUM(B9:B10)","v":0},null,null,null,null,{"$f":"+SUM(G9:G10)","v":0},null,null,null,null,{"$f":"+SUM(L9:L10)","v":1E-3}]
["Deductible Type?","Embedded",null,null,null,null,"Embedded",null,null,null,null,"Aggregate"]
["Services","Copays","Copay Applies","Ded Applies","Coins Applies","OOPM Accum","Copays","Copay Applies","Ded Applies","Coins Applies","OOPM Accum","Copays","Copay Applies","Ded Applies","Coins Applies","OOPM Accum"]
["PCP",20,"Y","N","N","Y",30,"Y","N","N","Y",0,"N","Y","Y","Y"]
["SCP",40,"Y","N","N","Y",50,"Y","N","N","Y",0,"N","Y","Y","Y"]
["Lab/X-ray",0,"N","Y","Y","Y",0,"N","Y","Y","Y",0,"N","Y","Y","Y"]
["IP",200,"Y","N","N","Y",250,"Y","N","N","Y",0,"N","Y","Y","Y"]
["OP",0,"N","Y","Y","Y",0,"N","Y","Y","Y",0,"N","Y","Y","Y"]
["ER",150,"Y","N","Y","Y",150,"Y","N","Y","Y",0,"N","Y","Y","Y"]
["Telemedicine",5,"Y","N","N","Y",5,"Y","N","N","Y",0,"N","Y","Y","Y"]
["Rx"]
["Tier 1",10,"Y","N","N","Y",10,"Y","N","N","Y",0,"N","Y","Y","Y"]
["Tier 2",35,"Y","N","N","Y",35,"Y","N","N","Y",0,"N","Y","Y","Y"]
["Tier 3",55,"Y","N","N","Y",55,"Y","N","N","Y",0,"N","Y","Y","Y"]
[]
[]
[]
["All highlighted cells will need to be entered on this tab based upon the client's benefits.  The light green cells need to be marked either Y or N for the calculator to work."]
["For the OOPM, make sure that it is the total amount (deductible and out-out-pocket)."]
["If no copay, then enter 0."]

{"sheet":"Funding & Contributions","index":4,"n_rows":43,"n_cols":21,"rows_kept":43,"cut":false,"hidden":true,"merged":[[1,3,1,7],[3,13,3,15]]}
["State/Region",{"$f":"+INDEX('Selected Options'!$B$3:$B$39,'Selected Options'!C3)","v":"Arizona"},{"$f":"+INDEX('Selected Options'!$G$23:$G$59,MATCH('Funding & Contributions'!$B$1,'Selected Options'!$F$23:$F$59,0))","v":"09"}]
["Eligible Rates",{"$f":"+INDEX('Selected Options'!$D$3:$D$7,'Selected Options'!E3)","v":"Full Time"},null,"Contributions by Wellness Incentive"]
[{"$f":"+'Selected Options'!F1","v":"Coverage Level"},{"$f":"+INDEX('Selected Options'!$F$3:$F$10,'Selected Options'!G3)","v":"Employee Only"},null,{"$f":"+'Selected Options'!D3","v":"Full Time"},{"$f":"+'Selected Options'!D4","v":"Part Time"},{"$f":"+'Selected Options'!D5","v":"Opt 2"},{"$f":"+'Selected Options'!D6","v":"Opt 3"},{"$f":"+'Selected Options'!D7","v":"Opt 4"},"Flows from selected options wellness incentives"]
[null,null,"Incentive Per Month",0,0,0,0,0,"Input monthly incentive"]
[null,"Funding Rates","Annual HSA",{"$f":"+CONCATENATE(B2,\" Contributions Per Week\")","v":"Full Time Contributions Per Week"},{"$f":"+CONCATENATE(E3,\" Contributions Per Month\")","v":"Part Time Contributions Per Month"},{"$f":"+CONCATENATE(F3,\" Contributions Per Month\")","v":"Opt 2 Contributions Per Month"},{"$f":"+CONCATENATE(G3,\" Contributions Per Month\")","v":"Opt 3 Contributions Per Month"},{"$f":"+CONCATENATE(H3,\" Contributions Per Month\")","v":"Opt 4 Contributions Per Month"},null,null,null,"Full Time","Full Time","Full Time","Full Time","Full Time","Part Time","Part Time","Part Time","Part Time","Part Time"]
["Buy-Up",null,null,null,null,null,null,null,null,null,null,"09",9.5,10,10.5,11,"09",9.5,10,10.5,11]
["Employee Only",null,null,{"$f":"+INDEX($L7:$U7,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":111.86},null,null,null,null,null,null,null,111.86,111.86,111.86,111.86,111.86,201.55,201.55,201.55,201.55,201.55]
["EE + Spouse",null,null,{"$f":"+INDEX($L8:$U8,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":343.17900000000003},null,null,null,null,null,null,null,343.17900000000003,362.24449999999996,381.31,400.37550000000005,419.44100000000003,366.73200000000003,387.10599999999999,407.48,427.85400000000004,448.22800000000007]
["EE + Child(ren)",null,null,{"$f":"+INDEX($L9:$U9,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":236.79900000000001},null,null,null,null,null,null,null,236.79900000000001,249.9545,263.11,276.26550000000003,289.42100000000005,309.15899999999999,326.33449999999999,343.51,360.68549999999999,377.86100000000005]
[]
["EE + Family",null,null,{"$f":"+INDEX($L11:$U11,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":379.99800000000005},null,null,null,null,null,null,null,379.99800000000005,401.10899999999998,422.22,443.33100000000007,464.44200000000006,447.17400000000004,472.017,496.86,521.70300000000009,546.54600000000005]
["Core"]
[{"$f":"+A7","v":"Employee Only"},null,null,{"$f":"+INDEX($L13:$U13,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":34.700000000000003},null,null,null,null,null,null,null,34.700000000000003,34.700000000000003,34.700000000000003,34.700000000000003,34.700000000000003,144.04,144.04,144.04,144.04,144.04]
[{"$f":"+A8","v":"EE + Spouse"},null,null,{"$f":"+INDEX($L14:$U14,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":165.726},null,null,null,null,null,null,null,165.726,174.93299999999999,184.14,193.34699999999998,202.554,256.779,271.04449999999997,285.31,299.57550000000003,313.84100000000001]
[{"$f":"+A9","v":"EE + Child(ren)"},null,null,{"$f":"+INDEX($L15:$U15,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":83.007000000000005},null,null,null,null,null,null,null,83.007000000000005,87.618499999999997,92.23,96.841500000000011,101.45300000000002,187.72200000000001,198.15100000000001,208.58,219.00900000000001,229.43800000000005]
[]
[{"$f":"+A11","v":"EE + Family"},null,null,{"$f":"+INDEX($L17:$U17,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":222.35400000000001},null,null,null,null,null,null,null,222.35400000000001,234.70699999999999,247.06,259.41300000000001,271.76600000000002,320.70599999999996,338.52299999999997,356.34,374.15699999999998,391.97399999999999]
["HDHP"]
[{"$f":"+A7","v":"Employee Only"},null,1E-3,{"$f":"+INDEX($L19:$U19,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":7.77},null,null,null,null,null,null,null,7.77,7.77,7.77,7.77,7.77,83.27,83.27,83.27,83.27,83.27]
[{"$f":"+A8","v":"EE + Spouse"},null,1E-3,{"$f":"+INDEX($L20:$U20,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":107.244},null,null,null,null,null,null,null,107.244,113.202,119.16,125.11799999999999,131.07599999999999,245.27699999999999,258.90349999999995,272.52999999999997,286.15649999999999,299.78300000000002]
[{"$f":"+A9","v":"EE + Child(ren)"},null,1E-3,{"$f":"+INDEX($L21:$U21,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":57.122999999999998},null,null,null,null,null,null,null,57.122999999999998,60.296499999999995,63.47,66.643500000000003,69.817000000000007,119.37599999999999,126.00799999999998,132.63999999999999,139.27199999999999,145.904]
[]
[{"$f":"+A11","v":"EE + Family"},null,1E-3,{"$f":"+INDEX($L23:$U23,MATCH($C$1&$B$2,$L$6:$U$6&$L$5:$U$5,0))","v":128.268},null,null,null,null,null,null,null,128.268,135.39400000000001,142.52000000000001,149.64600000000002,156.77200000000002,269.34300000000002,284.30649999999997,299.27,314.23349999999999,329.197]
[]
[]
["Benefit Options","Employee Premiums","Copays","Rx Copays","Deductible","Coinsurance","Copays & Coinsurance","Out of Pocket Costs","HSA Used"]
[{"$f":"+A6","v":"Buy-Up"},null,{"$f":"+Calculations!D72","v":0},{"$f":"Calculations!E72","v":0},{"$f":"IF(Calculations!C72>Calculations!F72,0,Calculations!F72-Calculations!C72)","v":0},{"$f":"+I35","v":0},{"$f":"+F27+C27+D27","v":0},{"$f":"+G27+E27+D27","v":0},{"$f":"+Calculations!C72","v":0},{"$f":"+I27+E27","v":0}]
[{"$f":"+A12","v":"Core"},null,{"$f":"IFERROR(Calculations!D144,0)","v":0},{"$f":"Calculations!E144","v":0},{"$f":"IF(Calculations!C144>Calculations!F144,0,Calculations!F144-Calculations!C144)","v":0},{"$f":"+I36","v":0},{"$f":"+F28+C28","v":0},{"$f":"+G28+E28+D28","v":0},{"$f":"+Calculations!C144","v":0},{"$f":"+I28+E28","v":0}]
[{"$f":"+A18","v":"HDHP"},null,{"$f":"+Calculations!D216","v":0},{"$f":"Calculations!E216","v":0},{"$f":"IF(Calculations!C216>Calculations!F216,0,Calculations!F216-Calculations!C216)","v":0},{"$f":"+I37","v":0},{"$f":"+F29+C29","v":0},{"$f":"+G29+E29+D29","v":0},{"$f":"+Calculations!C216","v":0},{"$f":"+I29+E29","v":0}]
[]
["Weekly Exposure",52]
[]
[]
[null,null,null,null,"Deductible","Coinsurance","Accounts for H S A","Leftover H S A after Ded"]
[null,null,null,null,{"$f":"+Calculations!F72","v":0},{"$f":"+Calculations!I72","v":0},{"$f":"+IF(I27>=E35,0,E35-I27)","v":0},{"$f":"+IF(I27-E35<0,0,I27-E35)","v":0},{"$f":"+F35-H35","v":0}]
[null,null,null,null,{"$f":"+Calculations!F144","v":0},{"$f":"+Calculations!I144","v":0},{"$f":"+IF(I28>=E36,0,E36-I28)","v":0},{"$f":"+IF(I28-E36<0,0,I28-E36)","v":0},{"$f":"+F36-H36","v":0}]
[null,null,null,null,{"$f":"+Calculations!F216","v":0},{"$f":"+Calculations!I216","v":0},{"$f":"+IF(I29>=E37,0,E37-I29)","v":0},{"$f":"+IF(I29-E37<0,0,I29-E37)","v":0},{"$f":"+F37-H37","v":0}]
[]
[]
[]
[{"$f":"+IF($B$2=\"Full Time\",A27,\"\")","v":"Buy-Up"},0,0,0,0,0,0,0,0,0]
[{"$f":"+A28","v":"Core"},0,0,0,0,0,0,0,0,0]
[{"$f":"+A29","v":"HDHP"},0,0,0,0,0,0,0,0,0]

{"sheet":"Selected Options","index":5,"n_rows":59,"n_cols":28,"rows_kept":59,"cut":false,"hidden":true,"merged":[]}
[null,"Employee Group","Selected","Wellness Incentives","Selected","Coverage Level","Selected","Expected Utilization","Selected","HSA Rollover"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+H3","v":"N/A"},{"$f":"+H4","v":"Low"},{"$f":"+H5","v":"Average"},{"$f":"+H6","v":"High"}]
[null,"Arizona",1,"Full Time",1,"Employee Only",1,"N/A",1,{"$f":"+Calculator!Q9","v":0},null,"Services"]
[null,"California",null,"Part Time",null,"EE + Spouse",null,"Low",null,null,null,"PCP",0,1,3,6]
[null,"Colorado",null,"Opt 2",null,"EE + Child(ren)",null,"Average",null,null,null,"SCP",0,1,2,4]
[null,"Connecticut",null,"Opt 3",null,"EE + Family",null,"High",null,null,null,"Lab/X-ray",0,1,2,4]
[null,"District of Columbia",null,"Opt 4",null,null,null,null,null,null,null,"IP",0,0,0,0]
[null,"Delaware",null,null,null,null,null,null,null,null,null,"OP",0,0,0,1]
[null,"Florida",null,null,null,null,null,null,null,null,null,"ER",0,0,0,0]
[null,"Georgia",null,null,null,null,null,null,null,null,null,"Other Costs"]
["Input the client specific information into the cells.  These populate the dropdown boxes on the calculator.  HRA/HSA rollover pulls over from the amount entered in the calculator (if applicable).","Illinois",null,null,null,null,null,null,null,null,null,"Rx"]
[null,"Indiana",null,null,null,null,null,null,null,null,null,"Tier 1",0,3,6,12]
[null,"Iowa",null,null,null,null,null,null,null,null,null,"Tier 2",0,2,4,8]
[null,"Kentucky",null,null,null,null,null,null,null,null,null,"Tier 3",0,0,0,2]
[null,"Louisiana"]
[null,"Maryland"]
[null,"Massachusetts"]
[null,"Minnesota"]
[null,"Missouri"]
[null,"New Hampshire"]
[null,"New Jersey"]
[null,"New Mexico"]
[null,"New York",null,null,null,"Arizona","09",null,null,null,null,"09","AZ"]
[null,"North Carolina",null,null,null,"California",10.5,null,null,null,null,95,"Central PA","FL","IL","IN","IA","KY","LA","MD","MN","MO","NH","NC/SC","OK","VT","VA","WI"]
[null,"North Dakota",null,null,null,"Colorado","10",null,null,null,null,"10","CO","GA","ND","OH","RI","UT"]
[null,"Ohio",null,null,null,"Connecticut",10.5,null,null,null,null,5,"CA","CT","DE ","NJ","NM","NY","TX","WV"]
[null,"Oklahoma",null,null,null,"District of Columbia","11",null,null,null,null,"11","DC","MA","Philadelphia","Pittsburgh","WA"]
[null,"PA-Central",null,null,null,"Delaware",10.5]
[null,"PA-Philadelphia",null,null,null,"Florida",9.5]
[null,"PA-Pittsburgh",null,null,null,"Georgia","10"]
[null,"Rhode Island",null,null,null,"Illinois",9.5]
[null,"South Carolina",null,null,null,"Indiana",9.5]
[null,"Texas",null,null,null,"Iowa",9.5]
[null,"Utah",null,null,null,"Kentucky",9.5]
[null,"Vermont",null,null,null,"Louisiana",9.5]
[null,"Virginia",null,null,null,"Maryland",9.5]
[null,"Washington",null,null,null,"Massachusetts","11"]
[null,"West Virginia",null,null,null,"Minnesota",9.5]
[null,"Wisconsin",null,null,null,"Missouri",9.5]
[null,null,null,null,null,"New Hampshire",9.5]
[null,null,null,null,null,"New Jersey",10.5]
[null,null,null,null,null,"New Mexico",10.5]
[null,null,null,null,null,"New York",10.5]
[null,null,null,null,null,"North Carolina",9.5]
[null,null,null,null,null,"North Dakota","10"]
[null,null,null,null,null,"Ohio","10"]
[null,null,null,null,null,"Oklahoma",9.5]
[null,null,null,null,null,"PA-Central",9.5]
[null,null,null,null,null,"PA-Philadelphia","11"]
[null,null,null,null,null,"PA-Pittsburgh","11"]
[null,null,null,null,null,"Rhode Island","10"]
[null,null,null,null,null,"South Carolina",9.5]
[null,null,null,null,null,"Texas",10.5]
[null,null,null,null,null,"Utah","10"]
[null,null,null,null,null,"Vermont",9.5]
[null,null,null,null,null,"Virginia",9.5]
[null,null,null,null,null,"Washington","11"]
[null,null,null,null,null,"West Virginia",10.5]
[null,null,null,null,null,"Wisconsin",9.5]

{"sheet":"Allowed Costs","index":6,"n_rows":16,"n_cols":2,"rows_kept":16,"cut":false,"hidden":true,"merged":[]}
[]
[null,"Assumed cost per Service"]
["Services"]
["PCP",140]
["SCP",225]
["Lab/X-ray",500]
["IP",15000]
["OP",4000]
["ER",2000]
["Rx"]
["Tier 1",35]
["Tier 2",300]
["Tier 3",350]
["Telemedicine",39]
[]
["Enter the allowed amounts in the green highlighted cells."]

{"sheet":"Client Notes","index":7,"n_rows":4,"n_cols":1,"rows_kept":4,"cut":false,"hidden":true,"merged":[]}
["Notes:"]
[]
["Fix HDHP plan to be aggregate deductible with Embedded OOPM"]
["Get contributions"]