TIFIN Give Scenarios

1. Pick 3 medical plans

LBMC allows up to 3 plans for a group this size. These start on the closest matches to today’s plans. See every plan’s full details.

Plan A

Plan B

Plan C

2. Who goes on which plan

Grouped by the Cigna plan each person has today.

On Premium today2 families
On High today1 employee
On Middle today1 employee
On the HDHP today2 employees
Add LaurenEmployee only, on High today
New hiresEmployee only, in North Carolina

3. What the company pays for medical

Same paychecks as todayEach person pays what they pay for Cigna now. The company covers the rest. A percentage of each planThe company pays a share of whatever plan each person picks. A base plan, employees buy upThe company pays toward the cheapest of the 3 plans. Richer plans cost the employee the difference.

4. Dental and vision

Dental

Vision

Company share of dental and vision100%

Each person’s paycheck

Medical, dental and vision that each person pays, per paycheck. Give pays twice a month.

Group	LBMC plan	Monthly premium, each	Today, per paycheck	This scenario, per paycheck	Change

Swipe the table sideways to see every column

Rates are from LBMC’s October 29 quote. Adding people goes back through underwriting, and the carrier can change rates if enrollment moves 10% or more. Workers’ comp and Pennsylvania unemployment tax aren’t included. Today’s figures are the same people on today’s Cigna plans; new hires are assumed to take the free HDHP today.

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