Four documents are where a review starts.
Nothing else is needed to begin, and every extra item is a reason to delay.
What to send.
All four already exist.
The Renewal Letter
The carrier’s notice of what the next plan year will cost.
Your Current Plan Summary
What the plan covers today.
The Contribution Split by Tier
What the employer pays and what the employee pays, for each tier.
Enrolled Counts by Tier
How many people are in each tier today.
Missing pieces are the usual reason a review never starts.
And the easiest to solve.
A One-Page Authorization
Sign it, and we request what is missing from the carrier ourselves.
Two More if You Are 50 or More
Larger groups send two additional items. We tell you which, so there is no guessing.
Send What You Have
A partial set is a fine start. We will tell you what is still needed.
Not much, from your side.
The work moves to us.
We Read Them
Every document is checked against the others for gaps and contradictions.
We Tell You What Is Missing
One list, once.
We Begin
As soon as the four are in hand.
Questions that come up.
Short answers to the questions we hear most. Each links to the full page.
Which documents do I need to send to start a renewal review?
Four documents that already exist: the renewal letter, your current plan summary, the contribution split by tier, and enrolled counts by tier. Groups of 50 or more send two more, and we tell you which ones. Nothing else is needed to begin, and extra items cause delays.
What if I cannot find one of the four documents?
Missing documents are the usual reason reviews do not start. You can sign a one-page authorization so we request the missing items from the carrier directly. You can also send what you have, and we will identify what is still needed so you are not stuck.
What happens once you receive my documents?
We read them, checking each document against the others for gaps and contradictions. Then we send you one consolidated list of anything missing. Work begins once the four documents are in hand, and the next step is setting the datum on your renewal.
Ready? Send us your renewal, or talk it through with someone first. No cost, no obligation.
General information, not legal or tax advice. Plan-specific questions belong with the plan documents, the carrier and counsel.
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.
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