For Licensed Agents

Group Plan Savings Calculator

Model an employer group's current plan against a leaner base plan paired with Pre-Med Defender — side by side, tier by tier.

Does this group have 50 or more eligible employees?

Groups of 50+ are rated by tier. Under 50, each employee is rated individually.

Employee Roster

Under 50 eligible employees, each employee is rated individually by age band and dependents. Enter one row per enrolled employee.

Per-employee monthly premiums
Name / ID	Current Plan $/mo	Base Plan $/mo	Pre-Med Defender $/mo



Roster Totals	$0.00	$0.00	$0.00

Total Enrolled3

Benefit Comparison

Enter the plan design side by side. Values are free text — dollar amounts, percentages, or phrases such as “No Charge after deductible.”

Plan design comparison: current plan, base plan, and base plan with Pre-Med Defender
Benefit	Current PlanHAP HMO Bronze J855	Base PlanUnnamed plan	Base Plan + Pre-Med Defender
Deductible
Individual
Family
PMD Benefit Amount
Coinsurance
Out-of-Pocket Max
Individual
Family
Physician Office Services
Preventive Care
Primary Care
Specialist
Virtual Visit
Behavioral Health
Hospital Services
Urgent Care
Emergency Room
Inpatient
Outpatient
Diagnostic Services
Imaging/CT/PET/MRI
Labs
X-Rays
Rehabilitative Care
Chiropractic
Speech Therapy
Occupational & Physical Therapy
Durable Medical Equipment
Prescription Drugs
Generic
Preferred Brand
Non-Preferred Brand
Preferred Specialty
Non-Preferred Specialty

Raw Monthly Premium Savings

$0.00

Annualized (×12)

$0.00

Supplemental Layer

Pre-Med Defender — Supplemental Gap Coverage

Entered per employee in the roster above.

Gross Monthly Pre-Med Defender Cost$0.00

Net Monthly Savings

$0.00

Net Annual Savings

$0.00

This is what the group keeps after moving to a leaner base plan and adding real supplemental coverage back in for employees.

Figures are illustrative and generated from the numbers entered above. Confirm final premiums and rates with the carrier and with MGA Benefits Group before presenting to a client.