The Web-based Medical Underwriting Guidelines™ (WebMUGs™) can greatly enhance the efficiency and consistency of underwriters using the Milliman Small Group and/or Individual Medical Underwriting Guidelines (MUGs). WebMUGs is a full-featured underwriting application built on an instantly searchable electronic MUG manual that frees your underwriters from flipping through paper manuals.

The WebMUGs are a Web-based version of the Milliman electronic AutoMUGs software, offering enhanced and additional features. The AutoMUGs PC-based version is still available for those not looking for a Web-based solution.

Benefits of WebMUGs

• improve effectiveness of medical underwriting (and lower your loss ratio)
• reduce quote turn-around time (and improve your close ratio)
• allow underwriters to focus on underwriting (instead of paper shuffling)
• increase efficiency and maximize underwriting sophistication by simplifying condition and rating look-ups
• improve management insight into underwriting activity
• implement client-defined, role-based security
• Web-based system is significantly easier to administer
• open database for importing and/or exporting data

Underwriting features

• sophisticated searching of conditions and ratings
• rating impact of excluding certain conditions and/or members
• compliance requirements for documentation of underwriting decisions satisfied by maintaining electronic records of each group/application
• reports (see below)

Reports

• most frequent conditions for a selected time period
• average debit points assigned by group and by group size (Small Group version) or family member and family combined (Individual version)
• points assigned for height/weight (physical build) versus health conditions
• health condition detail by member for a selected group/application
• debits assigned to members based on health conditions, prescription use, physical build, and tobacco use