39 / 63
Medical Plan Design
PPO/HSA Plan Provision Observations Includes – Construction/Engineering Industry
Zywave Industry Specific data for the construction/professional services. Results for the basic plan design
components suggest that current benefits are within norm.
Source
Average Deductible
Average
Individual OOP
Average In-Network
Coinsurance
Average Copays
Zywave PPO
$1,000-$1,999
$6,000-$6,999
80-89% / 100%
$25-$29 PCP /
$40-$49 Spec
EFCG PPO
(AEC)
$750
$3,000
N/A
$25
USE PPO
$1,000
$3,500
80%
$25/$50
Source
Average
Deductible
Average
Individual OOP
Average In-Network
Coinsurance
Average Copays
Kaiser
(All Plans)
$1,478
$4,343
81%
$24 PCP/$38 Spec
Zywave
(All Plans)
$2,000-$2,999
$6,000-$6,999
100%
$25 PCP/ $20-$59
Spec
Mercer CDHP
$1,800
$3,600
79%
80%
Mercer PPO/POS
$500
$1,500
80%
$40
National Benchmarking
Source
Average
Deductible
Average
Individual OOP
Average In-
Network
Coinsurance
Average Copays
Zywave HDHP
$2,000-$2,999
$3,000-$3,999/
$5,000-$5,999
100%
$0-$50 PCP / $0 Spec
ECCF HDHP
(Engineering & Construction
Compensation Forum)
$1,975
$4,618
N/A
N/A
USE HDHP HSA
$3,000
$4,000
100%
Deductible
PPO Construction/Engineering Benchmarking
HDHP Construction/Engineering Benchmarking
39