BCB ADVANTAGEHEALTHCARE NAVIGATION & PROTECTION
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Payroll Simulator

See BCB Advantage in Action.

Enter an employee's profile below to see the exact impact on their paycheck and benefit coverage.

Employee Profile

Tell us about the employee

$
$
Program constants
Pre-tax election$950/mo
Health expense coverage$810/mo

Standard illustration. Actual election varies by coverages elected and group size.

Monthly Paycheck

Side-by-side comparison

Without BCB
Gross salary$4,000.00
Federal tax-$298.33
GA state tax-$137.23
FICA-$306.00
Net check$3,258.44
With BCB Advantage
Gross salary$4,000.00
BCB §125 election-$950.00
Federal tax-$184.33
GA state tax-$89.82
FICA-$233.33
Health expense coverage$810.00
Net check$3,352.52
✓Employer-paid supplemental insurance coverage (value confirmed at implementation)
Your monthly change
+$94.08/mo

Your take-home pay stays flat or slightly higher — plus employer-paid insurance coverage.

This illustration estimates your paycheck impact using your filing status and, for joint filers, your spouse's income to approximate your household tax situation. It does not account for your spouse's own pre-tax deductions, your W-4 elections, or other household factors that affect real payroll withholding — your actual result may still differ. For most employees, BCB Advantage keeps your paycheck flat or slightly higher while adding employer-paid insurance coverage, but we recommend reviewing your specific numbers with your payroll department before enrolling.
BCB Advantage is an employer-sponsored benefit program funded by a Section 125 pre-tax election. The monthly health expense coverage shown above reflects your paycheck impact only.

Employer-paid benefit coverage

examples only — actual coverage varies by plan sponsor
Hospital confinement
$300/day

Per inpatient day, coordinated through the plan administrator.

Critical illness
$10,000 lump sum

Paid on diagnosis of heart attack, stroke, cancer, or major organ failure.

Accident
Up to $5,000

Schedule-based for ER visits, fractures, dislocations, and lacerations.

Cancer
Scheduled benefits

Diagnosis, chemo, radiation, surgery, and hospital stays.

Supplemental gap
Copay + coinsurance

Offsets remaining out-of-pocket after your group health plan pays.

This simulator is for illustrative purposes only. BCB Advantage is an employer-sponsored benefit program funded through a Section 125 cafeteria plan election. Federal tax brackets and standard deductions use 2026 IRS figures (Rev. Proc. 2025-32). Georgia state income tax rate is 4.99% (HB 463, effective 2026). FICA is 7.65% for employees enrolled in Social Security and 1.45% (Medicare-only) for those who are not. Benefit coverage examples shown are illustrative — actual coverage types and amounts are determined by the plan sponsor's benefit configuration. This is not tax or financial advice.

Ready to offer BCB Advantage to your clients?

BCB Advantage is available exclusively through licensed broker partners. Register to access the full implementation toolkit.