• The health insurance offering for US is managed through the rippling.com platform. You will find all pertinent required actions as well as pertinent information in the system.
• In the US, we have a really fantastic baseline plan for which we cover 100% of the employee’s insurance premium (the monthly fees to carry the insurance). We also cover 75% of the cost of spouse or family plan.
• We use the baseline coverage cost and apply it to two additional plans, one “buy up” plan and another “buy down” plan.
  • You can choose to buy-up into a higher level Platinum plan. In this case, we will have the cost basis of the base plan applied towards the buy-up plan and you will pay for the difference (this will come out automatically from your paycheck).
  • You can choose to buy-down a plan. Same as in the buy-up scenario, we will apply the cost basis of the base plan towards the buy-down plan and you will pay for the difference (this will come out automatically from your paycheck).
• Your individual cost will be calculated at the time of insurance selection after you fill out insurance filtering questions.
• You benefits will begin at the start of the first full month following your start date. For instance, if you begin work on February 2, 2022, your insurance will begin on March 1, 2022.

2023 US Medical Plans