Value-Added Services

 

Underwriting

We have an aggressive approach to underwriting. By combining our underwriting department's expertise with our producers’ knowledge and carrier data, we are able to achieve the most desirable renewal.

We have identified a unique formula from data that carriers use to develop rates for groups. Each element of this formula provides us leverage in negotiation.

Small Employer (2 - 50 Employees)

  • Preparation of underwriting packets
  • Limited plan utilization review
  • Comprehensive electronic application and underwriting
  • Screening of health applications for accuracy
  • Participation calculator, ensure compliance and contribution
  • Employee class analysis and industry review

Large Employer (Experience Rated)

  • Compilation of data into a management reporting tool
  • Quarterly analysis and presentation of reports and plan utilization
  • Recommended plan design and funding changes with long term cost benefit
  • Package client information to aid in achieving the most aggressive rate proposals
  • Plan and budget projections for future rating actions
  • Review rating actions directly with carrier underwriters to verify that rating information is accurate and fair