How it works
From the carrier's PDF to your proposal.
Four stages, in order, every time. Usually a minute or two end to end; every run we have timed finished in under 2 minutes.
Stage 1
Read. The letter becomes data.
Bridge reads the carrier renewal PDF: group, ZIP, effective date, each plan, and every employee with age, dependents, current premium and renewal premium. Row totals are checked against the letter's own totals before anything is priced.
- Text PDFs from the carrier
- Plans, census and premiums
- Totals reconciled
22 rows, totals reconciled
Stage 2
Match. Like for like, at every carrier.
Each current plan is classified by network family, network breadth, product and metal tier. Bridge picks the closest plan at each competing carrier, keeps the incumbent out of Option 1, and maps every employee from their current plan to a plan at each option.
- Breadth and tier matched
- Closed HMOs handled separately
- Every employee mapped
| UnitedHealthcare today | Anthem | Blue Shield | Aetna |
|---|---|---|---|
| Platinum HMOSignature Platinum 25-50/400d | Platinum HMO 20 | Platinum Access+ HMO 0/20 | HMO Platinum $25/50 0 Ded |
| Gold PPOSelect Plus Gold 35/1000/20% | Gold PPO 25/30% | Gold Full PPO 0/35 | Managed Choice POS Gold 75/50 500 Ded |
| Silver HMOSignature Silver 60-95/40%/2500ded | Silver HMO 55 | Silver Access+ HMO 2100/70 | HMO Silver $50/90 0 Ded |
Full networks only, because both incumbent networks are full. Kaiser, Sutter and Western Health Advantage are left out: they cannot keep the PPO employees on a PPO.
Stage 3
Price. Age-rated, member by member.
Premiums come from carrier small-group table rates for the group's rating region, priced per member by age, then summed to a total monthly premium per option. Options are ranked against the renewal.
- All 19 California rating regions
- Per-member age rating
- Total monthly premium
$38,785
Renewal
$36,470
Anthem Blue Cross
$38,234
Blue Shield
$42,115
Aetna
Total monthly premium for the sample group, bars drawn from zero. Anthem lands $2,315.58 a month under the renewal, about $27,787 a year.
Stage 4
Write. A proposal you can send.
Bridge renders the proposal PDF: cover, group census, multi-option summary, employee plan mapping, provider network access, a head-to-head page and written recommendations. Your logo replaces the Bridge mark on every page.
- Eight-page PDF
- Your logo on every page
- Emailed to you, never your client
What Bridge leaves to you.
- It never emails your client. The proposal comes to you, and you send it.
- It does not track case status, enrollment or decisions. It quotes.
- It does not replace the SBC. Confirm benefits with each carrier before enrollment.
- It does not guess. A letter it cannot read gets a clear note, not a made-up census.