Your options
Three plans with no prescription deductible
Both Vensure plans and Prestige’s Cigna plan have none. Prestige’s UnitedHealthcare plan keeps your network but adds a $100 prescription deductible. Savings are for the first year, after the PEO’s fee, at the way Pharr splits premiums today.
OAMC 2000
Richer than today
No prescription deductible- Deductible
- $2,000
- After deductible
- 20%
- Out-of-pocket max
- $6,850
- Office visits
- $30 / $60
Saved a year, all in
$25,397Pharr saves$22,906
Employees save$2,491
OAMC 3000
Most savings
No prescription deductible- Deductible
- $3,000
- After deductible
- 30%
- Out-of-pocket max
- $6,850
- Office visits
- $40 / $80
Saved a year, all in
$37,046Pharr saves$30,987
Employees save$6,059
Open Access $5,000
Prestige’s option with no Rx deductible
No prescription deductible- Deductible
- $5,000
- After deductible
- 30%
- Out-of-pocket max
- $7,000
- Office visits
- $30 / $60
Saved a year, all in
$9,321Pharr saves$13,452
Employees save$4,131 more
Plan 02
Keeps your network
$100 prescription deductible- Deductible
- $5,000
- After deductible
- 20%
- Out-of-pocket max
- $6,500
- Office visits
- $0 / $100
Saved a year, all in
$36,149Pharr saves$31,760
Employees save$4,389
Side by side · Medical
Every line, next to your plan today
The prescription rows are first. OAMC 2000 matches or beats today’s plan on most lines, at a lower cost than renewing.
| Vensure · Aetna | Prestige | ||||
|---|---|---|---|---|---|
| In network | TodayUHC 4000/80Choice Plus, renewed 12/1 | Richer than todayOAMC 2000Aetna Open Access Managed Choice | Most savingsOAMC 3000Aetna Open Access Managed Choice | CignaOpen Access $5,000Cigna Open Access | UnitedHealthcarePlan 02UHC Choice Plus Primary Advantage |
| Prescription deductible | None | None | None | None | $100 a yearTier 1 drugs skip it |
| PrescriptionsTier 1 / 2 / 3 | $5 / $40 / $125 | $10 / $45 / $70 | $10 / $45 / $70 | $15 / $55 / $90 | $15 / $40 / $90 |
| DeductibleSingle / family | $4,000 / $8,000 | $2,000 / $4,000 | $3,000 / $6,000 | $5,000 / $10,000 | $5,000 / $10,000 |
| CoinsuranceWhat you pay after the deductible | 20% | 20% | 30% | 30% | 20% |
| Out-of-pocket maxSingle / family | $7,500 / $15,000 | $6,850 / $13,700 | $6,850 / $13,700 | $7,000 / $14,000 | $6,500 / $13,000 |
| Primary care / specialist | $30 / $75 | $30 / $60 | $40 / $80 | $30 / $60 | $0 / $100 |
| Urgent care / ER | $75 / $750 | $85 / $500 | $85 / $500 | $60 / $500 | $100 / $500 plus 20% |
| Hospital stay | 20% after deductible | 20% after deductible | 30% after deductible | 30% after deductible | 20% after deductible |
| Outpatient surgery | 20% after deductible | 20% after deductible | 30% after deductible | 30% after deductible | 50% after deductible |
| Lab work | 20% after deductible | 20% after deductible | 30% after deductible | 30% after deductible | 50% after deductible |
| Monthly premium | |||||
| Employee only | Priced by age$627.34 to $1,755.80 | $822.14 | $754.58 | $945.05 | $798.59 |
| Family | Priced by age$2,848.01 and $4,415.11 | $2,540.24 | $2,330.79 | $2,929.95 | $2,411.75 |
| Group, a month8 employee only, 2 family | $15,324.79 | $11,657.60$3,667.19 less | $10,698.22$4,626.57 less | $13,420.30$1,904.49 less | $11,212.22$4,112.57 less |
Who saves
Pharr and each employee
Today Pharr pays 75% of each employee’s own premium and none of family coverage, except David Pharr’s family, which Pharr pays in full. The renewal always uses that split. Move the sliders to set what Pharr would pay on the PEO plan. David’s stays at 100%.
Paychecks
| Vensure · Aetna | Prestige | |||
|---|---|---|---|---|
| First year, after the PEO fee | OAMC 2000 | OAMC 3000 | Cigna $5,000 | UHC Plan 02 |
What each employee pays, per paycheck
Medical only. Today’s column is the UnitedHealthcare renewal.
| Vensure · Aetna | Prestige | ||||
|---|---|---|---|---|---|
| Employee | TodayUHC renewal | OAMC 2000Change vs. today | OAMC 3000Change vs. today | Cigna $5,000Change vs. today | UHC Plan 02Change vs. today |
Waive medical today (2): Jackson Champion, Tanner Graham.
All in
What each option costs for the first year
Medical, plus the PEO’s fee, which replaces what you pay today for payroll and admin. Enter that cost below and every total updates.
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.
| Vensure · Aetna | Prestige | ||||
|---|---|---|---|---|---|
| First 12 months | Renewal 12/1/26Renew UHC4000/80 | OAMC 2000Aetna 2,000 / 20% | OAMC 3000Aetna 3,000 / 30% | Cigna $5,000Cigna 5,000 / 30% | UHC Plan 02UHC 5,000 / 20% |
| Medical premium1/1 start. Vensure’s rates hold all year; Prestige adds 15% for November and December | $183,897 | $139,891 | $128,379 | $165,070 | $137,910 |
| DentalMetLife today; each PEO’s closest plan | $13,483 | $8,117 | $8,117 | $7,747 | $7,747 |
| Payroll and admin todayFrom the box above | $0 | Replaced by the fee | Replaced by the fee | Replaced by the fee | Replaced by the fee |
| PEO feePer employee a month, 12 employees | None | $16,920$117.50 | $16,920$117.50 | $11,520$80 | $11,520$80 |
| Total per year | $183,897 | $158,501 | $146,851 | $174,577 | $147,748 |
| Saves vs. renewing | Starting point | $25,397 | $37,046 | $9,321 | $36,149 |
Not in these totals: Vensure’s one-time $1,410 setup.
Dental, vision and disability
The rest of your package
Today MetLife covers dental, short-term and long-term disability for $16,881 a year, with rates guaranteed through May 31, 2027. Vensure quoted all three through MetLife; Prestige is quoting dental and vision now.
| Per year | TodayMetLifeGroup 05928777 | QuotedVensureMetLife, through Vensure | In progressPrestigeQuote requested |
|---|---|---|---|
| Dental7 employee only, 1 with spouse, 3 family. Pharr pays half of the employee’s own; employees pay the rest and all family coverage. | $13,483100% / 80% / 50%, $50 deductible, $1,000 yearly max, no orthodontia | $8,117Enhanced Standard: 100% / 80% / 50%, $50 deductible, $1,750 yearly max, child orthodontia 40% | $7,747Guardian High: 100% / 80% / 50%, $50 deductible, $1,500 yearly max, orthodontia 50% |
| Vision | NoneNot in what we received | $6.54 employee a monthDavis Vision, usually employee-paid: $10 exam, $200 frames every other year | $4.45 employee a monthDavis Vision, employee-paid: $10 exam, $175 frames every year |
| Short-term disabilityPharr pays 100% | $1,88560% of pay up to $1,000 a week, 26 weeks | About $2,17060% of pay up to $2,500 a week, 25 weeks, starts day 8 | Needs salaries |
| Long-term disabilityPharr pays 100% | $1,51360% of pay up to $6,000 a month, after 180 days | About $1,12460% of pay up to $10,000 a month, after 180 days | Needs salaries |
| All three | $16,881 | About $11,411About $5,470 less | Dental $7,747Disability once salaries are in; Zack expects 35% to 40% less than MetLife |
Disability figures are estimates until each PEO has salaries. We used the payroll MetLife bills on today. Keeping MetLife until 5/31/2027 is also an option; we’re confirming each PEO allows it.
The two PEOs
What’s different about Prestige and Vensure
Either one runs payroll, payroll taxes and benefits as the employer on paper. You keep running Pharr: hiring, pay, schedules and your clients.
| Side by side | VensureAetna | PrestigeUnitedHealthcare or Cigna |
|---|---|---|
| No prescription deductible | Every plan | Cigna plans onlyUnitedHealthcare plans have a $100 one |
| Your doctors | New carrier, so we check your doctors | UnitedHealthcare plans keep today’s networkCigna would also need a check |
| PEO feePayroll, HR and compliance | $117.50 per employee a month$16,920 a year for 12, in writing. Plus $1,410 one-time setup. | $80 per employee a month$11,520 a year for 12. |
| Rates hold until | 12/31/202712 months from a 1/1 start, then Vensure renews 1/1/2028 | 10/31/202710 months from a 1/1 start, then Prestige renews 11/1 |
| Included in the fee | Payroll specialist, HR partner, handbook, training, benefits admin, COBRAEmployment practices liability included | Payroll, payroll taxes, HR support, benefits admin |
| Dental and disability | Quoted, through MetLife | Dental and vision quote coming; disability needs salaries |
| Can start 12/1/2026 | Yes | Yes |
Both start 1/1/2027. Vensure’s rates hold all year; Prestige’s first-year totals add 15% for November and December 2027.
Questions about any of this? Call either of us.
We’ll send you final numbers from whichever PEO you choose.