250 or more employees: up to twenty-one days.
The same underwriting, claim by claim. At this size the carrier reads the largest claims individually: what drove them, whether treatment is ongoing, what it means for stop-loss. That crosses more than one desk and comes back with at least one question before rates are released.
At this size the carrier reads the largest claims one at a time.
The same underwriting applies, claim by claim. The carrier reads the largest claims individually: what drove them, whether treatment is ongoing, and what that means for stop-loss.
That crosses more than one desk, medical, pharmacy and stop-loss among them, and comes back with at least one question before rates are released. Twenty-one days is the realistic window for a complete file.
What shapes the three weeks.
Large Claims, Individually
Each claim over the threshold is reviewed on its own, with the condition and the status of treatment.
Stop-Loss
Where the group is self-funded or level-funded, the stop-loss carrier reviews the same claims on its own timeline.
More Than One Desk
Medical, pharmacy and stop-loss each add a round of questions before final rates are released.
What the Longer Timeline Buys You.
At 250 or more employees, carriers read large claims individually and consider stop-loss and funding. That takes time and several reviewers. The longer timeline buys a fuller review.
We use the time to check claims drivers, test funding options and prepare questions for the carrier.
Starting early helps, because document collection and carrier work run in parallel.
Questions about timing.
Why is twenty-one days an upper limit rather than a promise?
Because it assumes a complete file, and because carriers set their own review pace. We can control our part, not theirs.
Can we start before the renewal arrives?
Yes. If you know your plan year, we can start on last year’s documents and claims, and update when the renewal is released.
Who is involved on your side?
A dedicated service team assigned to your account, with a plan analyst reading the claims and an account executive leading the conversation with you.
Can we shorten it?
By sending documents early and answering questions promptly.
What takes longest?
Large-claim detail and carrier underwriting.
Do we need to be available?
A few calls are useful. We keep them focused.
General information, not legal advice. Plan-specific questions belong with your counsel, and we will bring them in.
Where to go from here.
Back to send us your renewal →
At two to fifty: about seven days →
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