Scenario #1: Let's say you hit 50 and go in for your routine colonoscopy. FedEx pays for it since it's preventive care. Bad news...you have colon cancer. Let's see what FedEx pays. Colonoscopy: Paid Surgery and follow-up medical: $125,000. FedEx pays 70% on the Consumer Choice Option= Your Cost is $37,500 + Employee Deductible of $2,250= $39,750. With Consumer Premier Option: $25,000 + $1,200 for Employee Deductible= $26,200 How about Breast Cancer? Mammography: Paid Surgery and follow-up medical: $175,000. FedEx pays 70% on the Consumer Choice Option= Your Cost is $52,500 + Employee Deductible of $2,250= $54,750 With Consumer Premier Option: $35,000 + $1,200 for Employee Deductible = $36,200 Chronic Illness? Child with serious heart condition No surgery (yet) Monthly office visits at $250 per visit (12) + additional required medical testing and monitoring ($25,000) With Consumer Choice Option: $900 + $4500 family deductible + $7,500= $12,900 With Consumer Premier Option: $600 +$2,600+ $5,000= $8,200 Subtract $400, $650, or $800 accordingly for the pitiful HRA. Yep, you are screwed. Guess you will have to dig into the 401k or declare bankruptcy. Thanks, Fred!