THIS CALCULATOR USES FULL-TIME EMPLOYEE RATES ONLY. PART-TIME EMPLOYEES MAY USE IT AS A GENERAL REFERENCE, BUT SHOULD NOT RELY ON IT FOR PAYROLL COSTS OR PLAN ELIGIBILITY. ESTIMATE ONLY — NOT A QUOTE OR GUARANTEE OF COVERAGE.
LCSCPainesville City Local Schools ← Back to Benefit Hub← Benefits

Which medical plan will cost
you the least?

Answer a few quick questions about how you expect to use care, and we'll estimate your total cost under the 2027 Painesville plans available to full-time employees — premium, out-of-pocket, the district's annual HSA contribution where applicable, and tax savings.

Runs entirely in your browser — nothing is saved or sent.
First, tell us about you
Which employee group are you in?
Your answer determines the plans, monthly contributions, and district annual HSA amounts used in your estimate.
First, the basics
Who are you covering?
Spousal Coverage
Does Your Spouse Have Other Coverage Available?

If you enroll your spouse and they can get coverage through an employer, a retiree plan, Medicare, or Medicaid, a $200 monthly surcharge applies in addition to your normal premium. That is $2,400 for a full year.

If you enroll a spouse, complete the online Spousal Verification Process in the benefits hub within 30 days of the date of your verification notice. If complete and acceptable verification is not received by the deadline, the $200 monthly surcharge may apply for the remainder of 2027. Answering this calculator question does not submit your verification.

What matters more?
What matters more to you?
There's no wrong answer — it just helps us frame the trade-offs when we show you the math.
Your provider network
Are you comfortable using only providers in the MedFlex network?
MedFlex generally requires in-network providers for covered, non-emergency care. If that network is not a fit, we’ll remove MedFlex from your estimate.
Doctor visits
How often do you see the doctor in a year?
A rough estimate for the year is fine.
Preventive check-ups $0
Covered 100% — annual physical, well-child, routine screenings
Primary-care (sick) visits
A cold, infection, injury, or follow-up
Specialist visits
Dermatology, orthopedics, cardiology, etc.
Unexpected care
Any urgent care or ER visits expected?
No crystal ball required — just a rough guess. An active lifestyle can mean the odd weekend urgent-care visit or occasional ER trip, and estimating it helps us get your numbers right.
Urgent-care visits
Walk-in clinic for minor, urgent issues
Emergency-room visits
Hospital ER for serious emergencies
Prescriptions
How about medications?
We just need the meds you take regularly, in two buckets. Not sure whether something's generic or brand? Your pharmacy label says.
Short-term — a few times a year
Short-term prescriptions
One-off fills like an antibiotic (Z-Pack) or an infection. How many courses in a typical year? Most are generic, so we count each as a single copay.
Ongoing — taken every month
Ongoing generic medications
Maintenance meds you refill monthly — we'll do the 12-fills-a-year math. Just count how many different generics.
Ongoing brand-name medications
Count how many different brand meds. We use an estimated brand cost; your actual cost depends on the drug’s tier.
Specialty medications $0
Covered via Specialty Advocacy — $0 to you, handled outside the plan
The year ahead
Any significant upcoming healthcare events that you're aware of?
Almost there
Roughly, what's your annual household income?
We use this only to estimate your potential tax savings from paying for care with pre-tax dollars. Nothing is saved.
Last one
What kind of plan are you on today?
Totally optional. Many people prefer to keep the type they already have — if you're on an HSA, we'll put those options first.
Your personalized estimate

Your best match is —

Your Coverage
Plans are sorted below based on our projected total cost of coverage, assuming full-time employment status.Click “See the Details” to review deductibles, copayments, coinsurance and maximum out of pocket amounts.
Ready to Save More?
The green box shows how a tax-free account could help you save more.
Estimate only — not a quote or guarantee of coverage.
Assumptions, Calculations and Data Behind Your Estimate
Plan cost-sharing & annual HSA contributions — 2027 plan documents
PlanDeductible S/FOOP max S/FOffice visitsDistrict Annual HSA S/+1/Fam
MedFlex$1,000 / $2,000$6,600 / $13,200$30 / $60 copay—
CDHP$3,500 / $7,000$4,500 / $9,00020% after deductibleHSA · $1,200 / $3,000 / $3,000 / $3,000
PPO$1,000 / $2,000$6,600 / $13,200$30 / $60 copay—
Monthly employee premium — straight from payroll
PlanSingle+ Partner+ Child(ren)Family
Care unit costs — illustrative estimates, not provider quotes
ServiceCostServiceCost
Preventive visit$0ER visit$2,600
Primary-care (sick)$125Having a baby (blended)$20,000
Specialist$150Planned surgery$13,500
Urgent care$200Chronic condition / yr$5,000
Generic Rx / fill$22Brand Rx / fill$311
Specialty Rx (member)$0Each Rx = ~12 fills/yrassumption

For HSA plans, total = premium + expected out-of-pocket after the district's annual HSA contribution. The contribution offsets service costs only, never below $0. PPO and MedFlex do not receive the annual district HSA contribution. The conditional 2027 PPO/CDHP transition rebate is included only when the modeled coinsurance limit is reached. The possible one-time LCSC contribution for first-time HSA enrollees is not included in projected costs; it and any other HSA deposits reduce your available contribution room. Premiums are monthly employee contributions. Where applicable, the $200 monthly spousal surcharge is added to payroll costs and annual totals; it does not count toward the deductible or out-of-pocket maximum.

Family estimates pool all entered household costs against the family deductible and out-of-pocket maximum. Individual limits within family coverage (embedded limits) are not modeled. Actual cost may be lower when care is concentrated in one person. Brand prescription costs are estimates; actual cost depends on the drug’s tier. See each plan’s details and official documents.

Planned surgery uses the plan’s hospital cost sharing. The estimate does not apply lower coinsurance available at some freestanding ambulatory surgery facilities. Review your plan documents and compare facilities before scheduling care.

Household income maps to an approximate marginal tax bracket for the separate pre-tax savings estimate; tax savings do not change the ranking. Your preference and current plan type frame the recommendation without changing the dollar math. Estimate only — not a quote.