Small Group Underwriting

Benefit Solutions for Small Employer Groups

Powerful Options for Small Employers

Small employer groups must be underwritten to qualify for major medical plans.

CieloStar uses an online underwriting data collection tool to streamline the onboarding of new small employer groups to CieloStar’s exchanges.

This process starts with uploading an employee census to the tool, and then having the employees provide medical evidence in a self-service environment. When all employees have completed medical underwriting, CieloStar then sends the medical evidence forms to each of the carriers previously chosen to take part in the exchange.  The carriers will provide rates for the “off the shelf” plan options previously chosen for the exchange. The employer will choose one carrier to offer.