Health plan premiums are based on five criteria: your base pay, the plan option you choose, the carrier you choose, the number of eligible dependents you choose to cover and health plan premium savings earned by completing Live Well requirements. (Individuals who become new participants in a BNY Mellon health plan on or after August 1, 2015, as well as expats, and employees on long-term disability or on military leave will automatically receive health plan premium savings). The per-pay contributions are shown in "2016 Monthly Medical Contributions" in the Medical and Prescription Drug section. Generally, the lower your base pay, the more BNY Mellon contributes toward the cost of your coverage.