When using a Base/Buy-Up Plan:
- EaseCentral calculates the employee's contribution based on the difference between the base plan and the buy-up plan.
- Even if the employee is not eligible for the base plan, the employee's contribution is based on the difference between the Base Plan and the buy-up plan.
- As an example, an employee outside of California uses the employer contribution established for the California base plan as the contribution towards the out of state plan.
- If the base plan includes more than one eligibility with different contribution amounts in each eligibility, EaseCentral calculates the contribution based on the first eligibility in the list, as shown below.
- If this does not calculate the correct contributions, two base plans should be set up for the appropriate buy-up plans.
When setting contributions for a base plan with a buy-up option, set up the base plan first:
1. Enter the total rate and employer contribution to the base plan.
2. Add the buy-up plan(s) using the same plan type (e.g., Medical).
- It is best-practice to set up all medical plans within the same Plan Type in order for employees to have a choice of the Base or Buy-Up Plan(s).
3. When adding rates to the buy-up plan, you'll enter the total premium in Rates or Add Rates by selecting the small-group option plan.
4. In Contributions, choose Base Plan for the Contribution Type
5. Choose the pre-determined Base Plan as the Company's Base Plan.
- If there is a buy-down plan option where the base plan contribution is greater than the cost of the buy-down plan, by default any leftover monies is applied to dependent costs.
6. If leftover monies SHOULD NOT apply to dependents, check Apply Extra Amount to Employee Only.