Which carriers does it quote?

Anthem Blue Cross, Blue Shield of California, UnitedHealthcare, Aetna, Kaiser Permanente, Sharp, Sutter Health Plus and Western Health Advantage, direct. A group currently on Health Net, CaliforniaChoice or Covered California for Small Business can still be read as the incumbent.

What do I need to start?

The carrier's renewal PDF. No letter? Start a New Quote with the group name, ZIP, effective month and each employee's age and coverage.

How long does a quote take?

Usually a minute or two from PDF to proposal. Every run we have timed came in under 2 minutes.

What if the group has no current coverage?

Start a New Quote and skip current plans. Options are ranked from the lowest total monthly premium, with no renewal baseline.

How does it pick the plans?

Like for like: same network breadth, same metal tier, same product type, plan by plan. Option 1 is never the incumbent, and every employee is mapped.

Why compare on total monthly premium?

Because that is how California small groups decide. Average cost per employee hides the age rating; the total is what the group pays.

Renewal in.
Options out.

Drop in a carrier renewal PDF. Get a multi-carrier proposal for every employee in under 2 minutes.

Get Bridge Watch 20 seconds

Sample group: Harbor Point Logistics, 22 employees, Irvine, CA.

Three ways in.

The same three tiles you see when you open the app. Pick the one that matches what is in your inbox.

New QuoteName the group, pick the month, type the census. Current plans are optional.
Browse FilesThe carrier's renewal PDF from Files, iCloud Drive or a folder you saved from Mail.
Paste PDFCopied the renewal in Mail or Files? Paste it straight in.

Or skip the app: forward the carrier's email to your private Bridge address.

Sample proposal, Cover — Page 1CoverGroup name, effective date and what is inside. Your logo and contact block go here when you add them.

Sample proposal, Group census — Page 2Group censusEvery employee as Bridge read them off the letter: age, ZIP, plan, coverage tier and dependents.

Sample proposal, Census, continued — Page 3Census, continuedLonger censuses run onto a second page, so nobody is squeezed off the first.

Sample proposal, Multi-option plan summary — Page 4Multi-option plan summaryCurrent, renewal and three options side by side: plan designs, employee counts, costs and the change against the renewal.

Sample proposal, Employee plan mapping — Page 5Employee plan mappingEvery employee, their current plan and premium, and the plan and premium they land on at each option.

Sample proposal, Mapping, continued — Page 6Mapping, continuedThe rest of the census, with totals and the change against today for each option.

Sample proposal, Provider network access — Page 7Provider network accessThe largest medical groups near the group's ZIP and which options include them. Available for Los Angeles, the Inland Empire and Orange County today.

Sample proposal, Head to head — Page 8Head to headThe renewal against the strongest alternative, category by category, with written recommendations and the disclosures that apply.

The proposal, page by page.

This is the real output for the sample group, not a mockup. Eight pages, your logo on every one, ready to forward.

See every page

Watch it work.

Short screen recordings of the real app, start to finish, using the sample group.

Quote a renewal PDF, 0:30

Every video

The rules it quotes by.

Network breadth matched

A full network is compared with full networks, a narrow one with narrow ones. A narrow HMO is never priced against a full HMO and called a win.

MEMO

Plan selection, as Bridge runs it

When a renewal comes in, each current plan is classified before anything is priced: carrier, network family, breadth, product and metal tier. Breadth is matched first: a full network is compared with full networks at the other carriers, a selective one with selective ones, a narrow one with narrow ones.

Network breadth matched

Within that network the metal tier carries over plan by plan, Platinum to Platinum and Gold to Gold, HMO against HMO and PPO against PPO or POS. Kaiser, Sutter and Western Health Advantage are integrated networks, quoted only when no PPO has to be preserved.

Metal tier matched, plan by plan

Each current plan gets a like-for-like plan at every carrier: Platinum against Platinum, Gold against Gold, HMO against HMO, PPO against PPO or POS.

Every employee assigned

Nobody falls out of the math. Each employee is mapped from their current plan to a plan at each option, with their own age-rated premium.

Every employee is assigned from their current plan to the matching plan at each option and age-rated with their own dependents, so the census in the proposal is the census on the letter.

Every employee assigned

Options are then ranked on total monthly premium, all plans and all members, with the renewal as the baseline. Option 1 is never the incumbent carrier.

Compared on total monthly premium

Options are ranked on what the group pays each month, all plans, all members. The renewal is the baseline when there is one.

Carriers and networks

On your phone. In your browser.

Bridge on iPhone showing quote results for the sample group

Quote from the parking lot, the client's office or the couch.

Get Bridge

The Bridge web app showing the same quote results

Same account, same groups, same quotes, on a bigger screen.

Open the web app

Questions brokers ask.

Which carriers does it quote?
Anthem Blue Cross, Blue Shield of California, UnitedHealthcare, Aetna, Kaiser Permanente, Sharp, Sutter Health Plus and Western Health Advantage, direct. A group currently on Health Net, CaliforniaChoice or Covered California for Small Business can still be read as the incumbent.
What if the group has no current coverage?
Start a New Quote and skip current plans. Options are ranked from the lowest total monthly premium, with no renewal baseline.
Does Bridge ever email my client?
No. Bridge only emails you. You forward the proposal to your client from your own inbox.

All questions

Get Bridge

Built for California small group brokers.

Renewal in.Options out.

Three ways in.

The proposal, page by page.

Watch it work.

The rules it quotes by.

On your phone. In your browser.

Questions brokers ask.

Get Bridge

Renewal in.
Options out.