Kilpatrick

Large Group Medical

A large group is an employer who employed 51 or more average total number of employees (ATNE) in the calendar year preceding the effective date of the medical policy.

Our Services

Our large group service team is responsible for all aspects of quoting, underwriting, installing, servicing, and renewing groups that fall under the state definition of a large employer. We use a very detailed process to procure competitive quotes. We request all data before we submit RFPs to market. We build the story and problem solve before negotiating with the underwriters. We leverage experience and deep relationships to get the best look from each carrier on each quote.

We compile each quote into a custom illustration package, develop the sales strategy with you, and support your communicate efforts. We help build custom enrollment materials and can create a consolidated employee application for all lines. We submit membership for installation on spreadsheets to hasten the turnaround times. We support your service at your direction during the year and manage the renewal process.

Our Markets

The table below provides an overview of our large group general agent agreements. Outside the scope of our formal agreements, we work with these markets and other TPAs and stop loss carriers under single case agreements.

CarrierFully InsuredSelf-FundedComments
BlueCross BlueShieldUp to 100 lives. Self-funded via Blue Balance Funded.
CignaSelect Segment (up to 249 lives). Self-funded available at 25+ enrolled.
HumanaUp to 299 lives. Self-funded via Level Funded Premium.
Memorial HermannAll sizes fully insured. Single case agreement for self-funded.
National GeneralUp to 99 lives. Formerly Assurant Health.
Scott & WhiteUp to 99 lives.
UnitedHealthcareUp to 100 lives. Self-funded plans via All Savers.