Where you are today
Your Blue Cross renewal increased
Same plan and the same 15 people, but Blue Cross raised the premium 23.2%. Blue Cross prices each person by age, so rates also climb as your team gets older.
Medical premium per year
How Vensure HR works
You run the company. Vensure HR handles the paperwork.
Vensure HR becomes the employer on paper for payroll, taxes and benefits. That puts your team inside one large group, priced at large-group rates instead of 15 people rated by age. You keep running Seacon.
Stays the same
Yours- You run the company: hiring, pay, schedules, your customers and how the work gets done.
- A plan built like today’s: $2,000 deductible, 20% coinsurance, $30 and $60 office visits.
Changes
Vensure HR- Payroll runs through Vensure HR. W-2s show Vensure HR.
- One invoice for payroll, payroll taxes and benefits.
- Medical moves to Aetna on Vensure HR’s large-group plan.
- HR support and compliance help come with the fee, including employment practices liability (EPLI).
CBA stays your team and holds Vensure HR accountable.
Side by side · Medical
Your plan next to Vensure HR’s
OAMC 2000 is Vensure HR’s closest match: the same deductible, coinsurance and office copays as today. Use the switch to see a richer plan or a lower-cost one.
| In network | TodayBlue Options 2000Blue Cross NC, Gold (Copay) |
|---|
Each person
What happens to each employee’s premium
| Employee | RenewalBlue Cross, priced by age | Vensure HR, one rate per level | ChangeA month |
|---|
Full monthly premium for each employee’s coverage, before Seacon’s share. At today’s split Seacon pays all of each employee’s own premium, so the savings on employee-only coverage go to Seacon. Waive medical today: 3 of 18 employees.
Dental and vision
A richer dental plan for less
MetLife’s Enhanced Standard plan through Vensure HR covers the same 100 / 80 / 50 as Companion, raises the yearly max from $1,000 to $1,750, and costs less at every level.
| Dental | TodayCompanion LifeRenewal 12/1/2026, up 10% | Richer, costs lessMetLife Enhanced StandardThrough Vensure HR |
|---|---|---|
| DeductibleSingle / family | $50 / $150 | $50 / $150 |
| Cleanings and checkups | 100% | 100% |
| Fillings and extractions | 80% | 80% |
| Crowns, bridges, dentures | 50% | 50% |
| Yearly max | $1,000 | $1,750 |
| OrthodontiaChildren | 50%, $1,000 lifetime | 40%, $1,500 lifetime |
| Monthly premium | ||
| Employee only11 enrolled | $38.71 | $34.86$3.85 less |
| Employee + spouse2 enrolled | $77.44 | $69.61$7.83 less |
| Employee + children1 enrolled | $103.62 | $78.26$25.36 less |
| Family1 enrolled | $150.48 | $120.94$29.54 less |
| A year15 enrolled | $10,017 | $8,663$1,354 less |
15 on dental and 14 on vision, at the same coverage levels as medical. Dental and vision are in the totals under All in.
Also offered, employee-paid: voluntary life, accident (from $6.46 a month), hospital (from $9.10 a month), critical illness and cancer coverage.
Who saves
Seacon and each employee
Today Seacon pays all of each employee’s own premium and 60% of the cost to add a spouse or children. The renewal always uses that split. Move the sliders to set what Seacon would pay on Vensure HR. Dental and vision are included at today’s split.
Paychecks
What employees pay, per paycheck
| Coverage | TodayBlue Cross renewal, today’s split | Vensure HR | ChangePer paycheck |
|---|
Medical only. Blue Cross prices each person by age, so two people at the same level can pay different amounts today. Waive medical today: 3 of 18 employees.
All in
What it costs for the first year
Medical, dental and vision, plus Vensure HR’s fee, which replaces what you pay today for payroll and admin. Your payroll fee of about $100 a payroll, every two weeks, is filled in.
What do you pay today for payroll and admin?
| First 12 months | Renewal 12/1/26Renew today’s plansBlue Cross | Vensure HRAetna |
|---|
Not in these totals: Vensure HR’s one-time $1,926 setup fee (one month of its fee).
Questions about any of this? Call either of us.
We’ll send you Vensure HR’s final numbers as soon as they’re in.