Effective September 1, 2025

Funding Advantage Group Submissions

New guidelines for firm rate submission process

Major Medical Product - Required for All Group sizes:
  • Complete Census [Link to Census template] – must include DOB, M/F, address, Coverage type and dependent level information
  • Group Information (Group name, address, SIC code)
  • Requested Plan Design & effective date

Groups of 2-9 Lives

  • ​Required: Completed IHQs – Accepting Allied National, BCBS*, United*, AllState* or state application*
  • Non-Allied IHQs must include Allied National signed ERISA form
  • 5% discount given for using Allied National IHQs at time of initial RFP submission
  • Recommended for Best Rate: Current plan design, rates, and renewal package

​Groups of 10+ Lives

  • Recommended for Best Rate: Plan design, rates, renewal package, large claim report and Experience reporting (5% Discount when experience reporting is provided with initial RFP).

Recommended information is not required but will provide us with a full picture of the group to allow for the best underwritten rate and alternative options. Rates will be considered firm but will be subject to change if there is a significant variance in census at time of group submission.
For additional information, visit our Funding Advantage Resources & Forms page or contact Allied Sales Support at [email protected].

Cost Saver and MEC Products: 

Guaranteed Issue
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Required:​
  • Complete Census [Link to Census template] – must include DOB, M/F, address, Coverage type and dependent level information
  • Group Information (Group name, address, SIC code)
  • Requested Plan Option & Effective Date
Multiple products Offered - Dual Class Offering
Allied’s Funding Advantage program allows employers to offer multiple plan types to class-based employees:
  • Major Medical
  • Cost Saver
  • Minimum Essential Coverage (MEC)

When the offer includes multiple plans, each class* must meet the minimum employees and participation requirements defined for the product offered to that class* as defined in the previous Participation and Contribution Requirements section.
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* Class definitions must be non-discriminatory and based on common standards such as position or wage. Allied National does not provide nondiscriminatory guidance and acceptance of a group using classes does not imply the class structure is nondiscriminatory. employer should consult with their legal counsel to determine if the plan is nondiscriminatory plan under ERISA.