Do you work with employers outside Michigan?
Michigan is our home market, and our licensing follows clients beyond it. Tell us where your employees work and we will say what applies.
Where we work
Michigan is our home market, and our licensing follows clients beyond it. Where your employees work determines which state rules apply to your plan.
Tell us where your employees work and we will say what applies.
How we handle a multi-state employer
Where your employees work determines which state rules apply to your plan, and a carrier’s availability differs by state and county. Our licensing follows clients beyond Michigan, so we can look at the whole group.
Tell us where your employees work and what plans you hold. We will map the carriers and funding options that apply in each location, and note where state rules differ.
Where to go from here
Employee Benefits for Middle-Market Companies
What changes in funding, networks, pharmacy and compliance as an employer grows.
Compare the three largest carriers
BCBSM, HAP and Priority Health side by side.
Send us your renewal
Share the renewal and plan documents and we will tell you what to test.
More questions on this topic
What counts as a middle-market employer?
There is no single definition.
How is the middle market different from small group?
Rating and funding rules change as a group grows.
What do you need to review a middle-market renewal?
Your renewal or rate action, current plan summaries and a census.
Where these details come from.
This guide cites the federal statutes and regulations behind its compliance points. Rules vary by state and carrier, so we check them for your group.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.