Renaissance Dental surgery was covered as major service dropping it to this percent coinsurance level the limitations and exclusions were different again all these are going to affect the rates that's going to have a rate impact so when we we matched up the plans there was about a % difference in our rates
which would have improved our chances of getting that or if nothing else you as a consultant broker could have used our quote to negotiate a lower renewal with your current carrier so you know if the group's happy and they still want to do their due diligence we know we're not going to
win every single case but this does arm you with a good competitive quote with your incumbent
carrier certainly we would like the new business but if the group's happy and you don't need to move it you do have another good clean quote to negotiate with so in summary some of the
preferred data that we need up front a current benefit booklet or summary of benefits that lists all those things we just mentioned a census of all eligible subscribers we allowed to see dates of birth and ZIP codes the dental enrollment by tier is is good to have but we don't need it if you don't
have it current and renewal rates are always great to have and then of course the court requested
Commission's if you're fine with standard that's what we'll quote but if you want something different
just let us know that and four groups over I know this number varies a lot carrier to carrier but if you
do have a larger group and we can get some claims data for months we will send that up to home
office to our underwriters and they can really dig in the weeds a little bit and get a little more aggressive under quotes when we have some claims data versus