Agilite provides the online tools that health plans make available to their agents/brokers, employer groups, and individuals to automate all aspects of the quoting and application submission process. Log on from any web browser and begin to work.

Hassle-Free Agent/Broker Experience

Agilite makes you a favored carrier with your agent/broker community by making their experience writing business with you fast and hassle free. Agilite provides a private-label, browser-based portal that agents use to manage all aspects of their book of business with a carrier. The Agilite broker portal was designed to be obvious-to-use, with an intense focus on usability. It makes writing new business and managing renewals hassle free. For example, QuickQuotes for multiple plan options can be completed and emailed to a customer in less than a minute.

Agilite incorporates a guided approach to processing new and renewal business that makes it simple to use with little or no training. So a health plan can roll the portal out to its agent/broker community with simple instructions. Agents/brokers are productive immediately.

Smart Data Capture

Agilite pushes data capture to the point of instance so agents/brokers enter in only the minimum data required for each processing step, with simple cut-and-paste or import capability for entering group census data.

Agilite protects the privacy of the customer-agent/broker relationship and provides for secure communications between the agent/broker and underwriting through a secure, integrated message center. When underwriting issues a final quote or rate action, Agilite automatically notifies the agent/broker through a secure message and generates a final proposal that the agent can forward to his or her customer.

Online Guided Questionaires

Agilite dramatically simplifies the process of capturing complete census information and personal medical histories, with built-in safeguards to protect member privacy. Agilite incorporates online, guided questionnaires that push data capture to the point of instance, eliminate duplicate data entry, and preserve personal privacy.

Subscribers use simple logon instructions to complete personal information and medical questionnaires from any internet connection, at their convenience. Questionnaires use a simple step-by-step, guided format and capture all of the data that the plan wants to see. Agilite also ensures privacy so only authorized underwriting personnel see questionnaire results, preventing agents/brokers, company personnel, or others from unauthorized access to sensitive, personal medical information.

Support for Existing Processes

Agilite also accommodates existing paper-based processes by allowing agents/brokers, HR administrators, or underwriting staff to indicate the existence of a completed paper questionnaire and optionally attach scanned images to the electronic application.

Agilite accommodates the need for rapid change (whether for regulatory or business reasons) in implementing changes to the data captured through applications and questionnaires. Agilite incorporates Q-Builder, which business experts use to update existing questionnaires or configure new ones in hours. So, updated questionnaires are online as soon as regulatory approvals are received.

Rating and Underwriting

Agilite ensures accuracy and consistency of results. Agilite includes an integrated underwriting environment that incorporates an underwriting workbench that naturally organizes an underwriter’s work queue and related tasks. It includes screens to capture underwriting inputs at the member level and summarizes group-level results to ensure complete justification for an underwriting decision. Agilite also provides configurable underwriting checklists at the individual and group levels to ensure compliance with a plan’s unique underwriting processes.

Agilite includes advanced decision support tools that can be configured to meet a plan’s specific goals. Agilite incorporates an optional debit module that integrates seamlessly with the underwriting module and can be configured with a manual of the carrier’s choice. Debit results are captured at the member level and summarized at the group level.

Agilite also interfaces with third-party data services to obtain prescription profiles on prospective applicants. including prescription history, likely conditions indicated, and adjusted risk scores for the individual and group.

Agilite includes a powerful rules engine that can be configured to automate as much of the underwriting process as a health plan wants. The rules engine can be configured to correlate responses to online medical questionnaires, a health plan’s debit logic, pharmacy data, and other underwriting rules to automatically propose a rate action or step such as accept, reject, or pend for further review. Optionally, underwriters can override suggested rates or rate actions before issuing a final quote.