Confidential · November 6, 2026

Union Family Dental, first year with LBMC

Savings against renewing with Blue Cross, after LBMC’s fee and setup and the payroll service you’d drop.

LBMC optionFirst quoteUpdated quoteChange

Prepared for Union Family Dental Associates by Beverly Griffin and Caleb Sherrill, Contemporary Benefits Advisors.

01

What LBMC changed

A month, unless noted First quote Updated Change
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02

Your first year, first quote vs. updated

LineFirst quoteUpdatedChange

03

Who’s on the plan

Paid every month

20 people

2 fill-ins, months each works

2 months

$
Person Months on the plan LBMCA month, updated Blue CrossA month, current plans DifferenceA month DifferenceFirst year
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Add to the plan:

First year with these people

Updated quote
First quote
  • Taking someone off: set their months to “Off the plan.” For Medicare in February, leave 1 month.
  • Adding someone: enter their age and coverage. Blue Cross prices each person by age; LBMC charges one rate for each coverage level. Spouse and children are paid by the employee.
  • LBMC bills only for months someone is paid. 20 are paid every month: 14 full-time, 4 part-time, Dr. Gickling’s small W-2 and Meredith’s replacement. The 2 fill-ins count only in months they work; they’ve worked about 9 hours each so far this year. Adding someone to the plan above doesn’t change these counts; use + only for a new hire.
  • LBMC’s plans are better: out-of-network care is covered, and Plan 4 has a $5,500 deductible and 20% coinsurance vs. $6,000 and 30% on Atrium.
  • The Ruoccos pay their own COBRA and plan to leave January 1, so they’re not counted.

Questions before the partners meet? Call either of us.

Beverly GriffinPhone(704) 218-2899Emailbeverly@c-ben.com
Caleb Sherrill, PEO optionsPhone704-787-1261