Where you are today
Your UnitedHealthcare renewal increased
Same plan, same 10 people. UnitedHealthcare re-prices everyone by age at renewal, and the primary care copay doubles from $15 to $30.
Medical premium per year
How Prestige works
You run the company. Prestige handles the paperwork.
Prestige 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 10 people rated by age. You keep running Pharr.
Stays the same
Yours- You run the company: hiring, pay, schedules, your clients and how the work gets done.
- UnitedHealthcare, on Prestige’s Choice Plus plans. Same carrier your team uses today.
Changes
Prestige- Payroll runs through Prestige. W-2s show Prestige.
- One invoice for payroll, payroll taxes and benefits.
- Medical moves to Prestige’s large-group plan.
- HR support and compliance help come with Prestige’s fee.
CBA stays your team and holds Prestige accountable.
Side by side · Medical
Your plan next to Prestige’s
Plan 02 is Prestige’s closest match, and it keeps you on UnitedHealthcare. Use the switch to see a richer plan, or Prestige’s plan with no prescription deductible.
| In network | TodayUHC 4000/80UnitedHealthcare Choice Plus |
|---|
The prescription deductible, in plain terms. On Prestige’s UnitedHealthcare plans, tier 1 prescriptions (mostly generics) cost $15 from the first fill. Tier 2 and up wait for a $100 deductible, once a year per person, then it’s $40 or $90 a fill. Brand-name tier 3 drugs cost less than today: $90 vs. $125.
Who saves
Pharr and each employee
Today Pharr pays 75% of each employee’s own premium and none of family coverage. Everything below starts there. Move the sliders to try another split.
Paychecks
What each employee pays, per paycheck
| Employee | TodayUHC renewal | Plan 02Prestige | ChangePer paycheck |
|---|
Medical only. Waive medical today (2): Jackson Champion, Tanner Graham.
All in
What it costs for the first year
Medical, plus Prestige’s fee, which replaces what you pay today for payroll and admin. Enter that cost below and the totals update.
What do you pay today for payroll and admin?
Payroll service, HR software, an outside bookkeeper’s payroll time. Leave it at $0 if you run payroll yourself.
| First 12 months | Renewal 12/1/26Renew UHC4000/80 | PrestigePlan 02UnitedHealthcare |
|---|---|---|
| Medical premiumPrestige: includes 15% more for November 2027 | $183,897 | $136,228 |
| Payroll and admin todayFrom the box above | $0 | Replaced by the fee |
| Prestige’s fee$80 per employee a month, 12 employees | None | $11,520 |
| Total per year | $183,897 | $147,748 |
| Saves vs. renewing | Starting point | $36,149 |
Dental, vision and disability: we’re getting these quoted with Prestige right now.
Questions about any of this? Call either of us.
We’ll send you Prestige’s final numbers as soon as they’re in.