Simplified Underwriting Process

Brokers can obtain quotes for their large group business using an easier and faster underwriting process utilizing Curv technology.

You can submit large groups (non-ACA rated) with less than 100 enrolled employees through this new process by simply completing the census linked below.

To apply and be approved for coverage, all groups must meet eligibility thresholds, participation requirements and submit all of the completed necessary paperwork.

Please work with your Account Executive on coordination and submission of all necessary paperwork.

Curv Technology FAQs

Large groups (non-ACA rated) with less than 100 enrolled employees.
No. Groups will be required to go through the medical application process if:
  • No prior group health plan is in place
  • Businesses formed less than 6 months ago
  • Curv Census Form – Click Here to Download the Curv Census Form
  • Current and Prior Year Plan Design
  • Current Rates
  • Experience Data (if available)
  • Final rates are released through this process for groups receiving <30% renewal increase on the current benefit plan(s).

    Demographic changes of more than 10% from the quoted membership could result in re-rating.

    To apply and be accepted for coverage, all groups must meet eligibility thresholds, participation requirements, submit completed new business paperwork and group renewal document for the requested effective date.

     

    Click4Rates

    Click here for Click4Rates.

    If you are an agent and interested in using Click4Rates but have not yet been given access, please contact Sales@HealthTradition.com.