Preferred United Plans-MI
   PUP -MI Plans
   PUP-MI Guidelines/Proposal       Request
   PUP-MI Commission
   PUP-MI Financial Requirements
   PUP-MI Sold Group
      Requirements
Flexible Spending Alternatives
Self-Funded

Healthcare Program Guidelines/Proposal Request

When requesting a Preferred United Plans of Michigan proposal, please fill out our Proposal Request Form or provide us with the requested information. You can mail the request, fax it to (616) 454-4338 or e-mail it back to Preferred United Plans of Michigan.

Before requesting a proposal, please also note the following requirements for groups in the PUP plan:

Eligibility/Participation

• All PUP of Michigan medical plans are individually underwritten.
• Once final rates are given, the rates are guaranteed for twelve (12) months.
• PUP of Michigan requires a minimum of $15,000 of life insurance per covered employee (no exceptions).
• PUP of Michigan requires that all medical plans take a prescription drug co-pay option (no exceptions).
• PUP of Michigan requires that all corporations must be domiciled in the State of Michigan.
• PUP of Michigan requires 75% participation of all eligible employees, not to fall below 50% participation of all employees.
• PUP of Michigan will allow dual choice options with ten (10) employee lives and larger.
• Minimum employer contribution to premium is twenty-five percent (25%).
• Deductible carry over applies to all medical plans, except HSAs.
• Eighty-five percent (85%) of the covered employees must be located in the State of Michigan.
• Employer must be in business for a minimum of 12 months.

Underwriting Information/Requirements

• Preferred United Plans of Michigan underwrites and approves all groups from our office in Grand Rapids, Michigan.
• All requested information from PUP of Michigan must be received before final underwriting can be completed.
  See section titled Sold Group Requirements for specifics.
• All properly completed information must be received by PUP of Michigan no later than the 15th of the month prior to the effective date.
• If any information is missing, PUP of Michigan reserves the right to send all submitted materials back to the agent.
• The agent and the employer understand that any submission of false or misleading information is “Insurance Fraud” which may result in the following actions:
  ∼ Termination of group coverage, or
  ∼ Re-adjustment of premium for group and/or employee, or
  ∼ Termination of the individual employee and covered dependents.