Milliman's Small Group Medical Underwriting Guidelines™ (SGMUGs™) and Individual Medical Underwriting Guidelines™ (IMUGs™) are evidence-based medical underwriting tools that use a debit-point system to enable underwriters to more objectively underwrite initial applications for individual and group coverage.

Real-world medical expenses for evidence-based decision making

These Guidelines include an index of approximately 1,500 medical conditions and 2,000 prescribed drugs that permit insurers to easily estimate the costs of treating the conditions and conditions associated with prescribed medications. The Guidelines are based on data gathered from real claims of 15 million members and 10 years of longitudinal research.

By making the evidence-based medical research instantly available to underwriters in easily accessible formats, Medical Underwriting Guidelines can improve the accuracy and sophistication of underwriting. Underwriting staff can save time looking for information and maintaining files, which means they can decrease quote turnaround time and focus on their expertise.

Convenient formats, automated reporting and record keeping

SGMUGs and IMUGs, which are leased on an annual basis, are published in traditional binder format and are also available in our Internet-based software application, WebMUGS™. The electronic format combines the Guidelines research with automated reporting and record-keeping functions. Reports on most frequent conditions, average group debit points, and individual rating factors can be automatically generated, allowing greater transparency and more objective decision making. Electronic formats also track underwriting decisions to enable quick and simple compliance with documentation requirements.