We're rethinking how underwriting should work. We're building an MGU for today's world — where we have more data than ever, and no two employer plans look the same.
Traditional MGUs rely on outdated pricing models that don't account for modern cost-containment strategies, plan design nuances, or the full story behind claims data. We partner with brokers and TPAs to deliver accurate, competitive pricing in hours, not days.
Powered by a large claims dataset and proprietary AI, we underwrite accurately — detecting anomalies, adjusting for plan design nuances, and ensuring fair rates even for 1st year groups
Get accurate quotes in hours, not days. Our streamlined process means you can respond to clients quickly and close deals faster.
We treat brokers and TPAs as partners. We collaborate to understand the full story behind claims, ensuring your client's unique situation shapes the outcome.
Most MGUs bundle everything together without specialization. We offer flexibility: underwrite for medical stop-loss only, prescription drug spend only, or comprehensive coverage for both. Our focused approach means deeper expertise and more accurate pricing, no matter which option you choose.
Focus exclusively on medical claims. Deep expertise in medical cost drivers, treatment patterns, and plan design impacts.
Concentrate solely on pharmacy claims. Specialized knowledge of drug pricing trends, formulary impacts, and specialty medication risks.
Full coverage for both medical and prescription drug spend. Leverage our specialized expertise in both areas for comprehensive protection.
For small groups, we take the time to underwrite granularly — not by broad averages — so pricing actually reflects the risk, not the group size.
We also understand employers adopting Direct Primary Care (DPC) models better than anyone. Our underwriting accounts for their unique cost-containment dynamics, giving them fairer, more accurate rates.
Provide claims data, plan design details, and any cost-containment strategies in place. We work with you to capture the full picture.
Our models detect anomalies, account for plan design nuances, and leverage our large dataset to price accurately — even for first-year clients.
Receive your quote in hours with a clear breakdown of how we arrived at the number. No black boxes, no surprises.
We're here to answer questions and work with you to ensure the quote reflects your client's unique situation. Your insights help us get it right.
We know speed matters when you're managing claims and working with clients. That's why we've built our operations around rapid turnaround times and always-available support.
ACH reimbursements to TPAs are processed in an average of 48 hours. No waiting days or weeks for reimbursements to get approved — we move as fast as your business does.
Questions or concerns? You'll get a response within 1 hour during business hours. Fast SLAs and direct access to our team mean you're never left waiting.
Our advanced pricing models and efficient operations mean better rates for your clients. Reach out to discuss your specific needs and get a custom quote.