What do you need to review a middle-market renewal?
Your renewal or rate action, current plan summaries and a census. For funded plans we also ask for claims reports and the stop-loss contract. With those we can test networks, funding and pharmacy terms against your group.
What we ask for
Send the renewal or rate action, current plan summaries and a census. For funded plans we also ask for claims reports and the stop-loss contract.
With those we can test networks, funding and pharmacy terms against your group, and tell you what is negotiable.
What the review looks like
Send the renewal or rate action, the current plan summaries and a census, plus claims reports and the stop-loss contract for a funded plan. We read the renewal against your group and the market and test networks, funding and cost.
You receive a written summary of where the increase comes from, which options are worth pricing, and a recommended path with timing. The decision stays with you.
Where to go from here
Read your renewal against the average
Separate trend from your own claims experience.
Check your network and plan type
Confirm who is in and out before you compare prices.
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.
Do you work with employers outside Michigan?
Michigan is our home market, and our licensing follows clients beyond it.
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.