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.
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.