Large Group Submissions

Introduction

Submissions for groups with 150+ Employee Lives have different requirements than standard-sized groups. This document outlines the necessary steps for gathering and submitting large group information for underwriting and quoting. For the official guideline sheet, refer to:

Spectrum Dropbox > Spectrum Health > Spectrum Quoting > Spectrum Health Underwriting Guidelines.

Spectrum Health_Underwriting_Guidelines 08012024.pdf

Step 1: Collect Submission Requirements

Census Requirements:

• First Name, Last Name, Date of Birth (DOB), Gender, and Zip Code.
• Plan Election: If more than one plan has been selected, list each choice under the respective employees in the census.
• Include Waived Employees.

Submission Requirements:

• Current Rates
• Renewal Rates
• SBCs for each plan choice
• Minimum of 2 Years of Claims History (Month-to-Month)
• High Claims History ($25K+ in claims): Large claimants per each time period. Must show enrollment by month for the same period.

Spectrum Health Employer Underwriting Questionnaire:

• Located in: Spectrum Dropbox > Spectrum Health > Spectrum Quoting > Spectrum Health Employer Questionnaire