Prescience vs. your current health plan
Using Bizchecks Payroll does not by itself determine your health coverage. Compare the plan you use today with Prescience Diamond and Prescience Choice using the same employee census, coverage date and employer contribution. Your current plan might be arranged through a broker, carrier or PEO; this comparison does not assume Bizchecks Payroll sells insurance.
| What changes | Prescience Diamond | Prescience Choice | Your current health plan |
|---|---|---|---|
| How coverage works | A company health plan with an effective $0 deductible and Prescience care navigation, with benefits specified in your quote. | An individual coverage HRA (ICHRA): the employer sets an allowance and employees choose their own individual health plans. | Use your plan documents to identify the carrier coverage and any employer-funded benefits. A broker or payroll brand alone does not identify the plan. |
| Employee deductible and costs | Designed for an effective $0 deductible for covered care under the Diamond benefit terms. Review the quoted copays, coverage limits and eligibility requirements. | Deductibles, copays and networks depend on each employee's selected individual plan. Compare the allowance with the premium and expected out-of-pocket costs. | Compare employee premium contributions, deductible, copays and out-of-pocket maximum from the actual plan, including any employer HRA or HSA funding. |
| Doctors and prescriptions | Carrier network selected for your group, with options such as Blue Cross Blue Shield or UnitedHealthcare where available, plus the Prescience Network and Prescience Extended Network. Confirm the exact network, doctors and prescription coverage in your quote before switching. | Employees compare the local individual plans available to them and check their own doctors and medications. | Use the current carrier's provider directory and drug formulary as the baseline. Keeping a payroll platform does not guarantee keeping a network. |
| Employee support | Prescience provides care navigation and benefits support alongside the quoted health plan. | Prescience helps employees compare plans, enroll and manage their health allowance. The selected insurer supplies the underlying coverage. | Identify what your carrier, broker and benefits administrator each handle today, including help finding care and resolving benefit questions. |
| Employer budget | Request a group-specific quote and compare the full annual employer cost, including the benefits and services in the proposal. Savings depend on the group and plan design. | Budget for the employer allowance plus the administration fee in your proposal. Compare how the allowance works for employees in different locations. | Add premiums, employer contributions, administration and any bundled service costs. Use the renewal offer, rather than last year's price, when comparing a renewal decision. |
| HR and payroll | Confirm the workflow for retaining Bizchecks Payroll, employee changes and approved deductions before launch. | Confirm how allowance administration and any applicable deductions fit your Bizchecks Payroll account. | Document the existing enrollment and payroll process, plus any broker, PEO or service agreement that affects a change. |
Tell us whether you want to keep Bizchecks Payroll for your existing HR or payroll workflow. An outside health plan may require a separate enrollment and deduction process; account compatibility must be confirmed.
- Export your Bizchecks Payroll census Use the instructions above and include all current W-2 employees, including people who may waive coverage. Identify owners and contractors separately.
- Upload the CSV and complete your quote request Select the file on this page, then complete company details and account verification. Review the imported employee information in the quote flow.
- Compare the actual offers Have your current plan summary, renewal pricing, employee contributions and must-keep doctors ready for the comparison. Use the same census and start date, then confirm coverage and payroll timing before making a change.
Upload your census to compare options. Read more about Prescience's employer benefits and pricing. Your written quote and plan documents determine the offered benefits and costs.
Confirm your Bizchecks Payroll setup
Start with the exact product and company account your team uses. Include the provider name Bizchecks Payroll in your quote request so the team can distinguish it from similarly named services. A provider’s presence in Finch’s directory does not tell us which features your account permits.
Ask your payroll administrator who controls employee records and benefit deductions. Confirm whether you can retain payroll while using an outside health plan, and whether an existing broker, PEO, or bundled benefits agreement affects that decision. Prescience must confirm the proposed workflow before you grant access or schedule a change.
This page does not document a verified Bizchecks Payroll connection. It explains what to prepare for a compatibility review. If the required connection is unavailable, ask whether a staff-assisted handoff is possible for your account and plan.
Agree on the payroll handoff
After the plan and employee elections are confirmed, agree on who will enter each deduction in Bizchecks Payroll. The handoff should specify employee identifiers, effective dates, employee contributions, employer contributions where applicable, and the pay schedule. Ask the administrator to confirm the appropriate payroll treatment.
Do not assume a monthly contribution equals the deduction for one paycheck. For example, an illustrative $120 monthly employee contribution is $1,440 annually. Across 24 equal payroll periods it is $60 per paycheck; across 26 it is about $55.38, with a small rounding adjustment. This is arithmetic, not a premium quote or a confirmed Bizchecks Payroll feature. Midyear starts require a separate schedule.
Keep the existing benefit arrangement in place until the responsible parties confirm the new coverage and transition dates. A census upload does not activate coverage, and entering a deduction does not complete enrollment.
Review the first affected payroll
- Match each deduction to the employee’s confirmed election and effective date.
- Check that old and new benefit items do not charge the same employee twice.
- Confirm that employees who waived coverage have no unintended deduction.
- Record who will handle future hires, terminations, contribution changes, and corrections.
Have your administrator compare the actual payroll results with the agreed handoff. Resolve discrepancies with the responsible team before treating setup as complete.
Sources and scope
Bizchecks Payroll comes from the Finch provider-name snapshot dated July 24, 2026. The snapshot identifies providers; it is not evidence of current account compatibility or a Prescience integration.
Product names and logos belong to their owners and identify the platform. Their use does not imply endorsement, certification, or a commercial partnership.
