Large Group Medical Solutions

Expert support at every step — from RFPs and spreadsheeting to implementation to renewal.

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Receive In-Depth
Large Group Support That Stands Out

Our concierge-style, white glove support makes it easier and more cost-effective to manage the day-to-day administration of your large group clients. As your partner, we bring carrier and industry insights, proven sales strategies, detailed market analysis, case installation, best-in-class compliance resources, post-sale and renewal support, and established TPA, PBM, and national stop-loss partnerships so you can deliver a seamless experience from quote to renewal.

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How We Support Your Large Group Clients

A dedicated team of national and local specialists becomes a true extension of your office — on call to strategize, problem-solve, and execute with you. Whether you need market insights, complex case support, or help navigating carrier options, we’re ready to step in when you need us most so you can focus on serving your clients and winning more business.

Large Group Medical Plan Partners

For your larger groups, we partner with the leading local and national carriers.

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39North | Large Group Medical

39North | Large Group Medical

Aetna | Large Group Medical

Aetna | Large Group Medical

AmeriHealth | Large Group Medical

AmeriHealth | Large Group Medical

Angle Health | Large Group Medical

Angle Health | Large Group Medical

Anthem Blue Cross Blue Shield | Large Group Medical

Anthem Blue Cross Blue Shield | Large Group Medical

Anthem Blue Cross | Large Group Medical

Anthem Blue Cross | Large Group Medical

Apex Management Group | Large Group Medical

Apex Management Group | Large Group Medical

Assured Benefits Administrators | Large Group Medical

Assured Benefits Administrators | Large Group Medical

AvMed | Large Group Medical

AvMed | Large Group Medical

AZ Technology Council | Large Group Medical

AZ Technology Council | Large Group Medical

Banner | Aetna | Large Group Medical

Banner | Aetna | Large Group Medical

Baylor Scott & White Health Plan | Large Group Medical

Baylor Scott & White Health Plan | Large Group Medical

Blue Cross Blue Shield of AZ | Large Group Medical

Blue Cross Blue Shield of AZ | Large Group Medical

Blue Shield of California | Large Group Medical

Blue Shield of California | Large Group Medical

BlueCross BlueShield of Illinois | Large Group Medical

BlueCross BlueShield of Illinois | Large Group Medical

BlueCross BlueShield of Texas | Large Group Medical

BlueCross BlueShield of Texas | Large Group Medical

Boulder Admin | Large Group Medical

Boulder Admin | Large Group Medical

CAWA AZ Health Trust | Large Group Medical

CAWA AZ Health Trust | Large Group Medical

CDPHP | Large Group Medical

CDPHP | Large Group Medical

Cigna | Large Group Medical

Cigna | Large Group Medical

Clearwater | Large Group Medical

Clearwater | Large Group Medical

Contractor's Health Trust | Large Group Medical

Contractor's Health Trust | Large Group Medical

Emblem | Large Group Medical

Emblem | Large Group Medical

Evry Health | Large Group Medical

Evry Health | Large Group Medical

Florida Blue | Large Group Medical

Florida Blue | Large Group Medical

Gravie | Large Group Medical

Gravie | Large Group Medical

Health Net | Large Group Medical

Health Net | Large Group Medical

Healthcare Highways | Large Group Medical

Healthcare Highways | Large Group Medical

HealthPartners | Large Group Medical

HealthPartners | Large Group Medical

Horizon | Large Group Medical

Horizon | Large Group Medical

IBA | Large Group Medical

IBA | Large Group Medical

Kaiser Permanente | Large Group Medical

Kaiser Permanente | Large Group Medical

Medical Society Healthcare Trust | Large Group Medical

Medical Society Healthcare Trust | Large Group Medical

MediExcel | Large Group Medical

MediExcel | Large Group Medical

Memorial Hermann | Large Group Medical

Memorial Hermann | Large Group Medical

MVP | Large Group Medical

MVP | Large Group Medical

Nationwide | Large Group Medical

Nationwide | Large Group Medical

Nippon Life Benefits | Large Group Medical

Nippon Life Benefits | Large Group Medical

Optimyl Benefits | Large Group Medical

Optimyl Benefits | Large Group Medical

Redirect Health | Large Group Medical

Redirect Health | Large Group Medical

Sana | Large Group Medical

Sana | Large Group Medical

Select Health | Large Group Medical

Select Health | Large Group Medical

Sharp Health Plan | Large Group Medical

Sharp Health Plan | Large Group Medical

Trustmark | Large Group Medical

Trustmark | Large Group Medical

UnitedHealthcare Oxford | Large Group Medical

UnitedHealthcare Oxford | Large Group Medical

UnitedHealthcare | Large Group Medical

UnitedHealthcare | Large Group Medical

Vigilant Construction Trust of AZ | Large Group Medical

Vigilant Construction Trust of AZ | Large Group Medical

Vigilant Manufacturing Trust of AZ | Large Group Medical

Vigilant Manufacturing Trust of AZ | Large Group Medical

Wellmark | Large Group Medical

Wellmark | Large Group Medical

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Frequently Asked Questions

Carrier definitions of large group can vary; your Warner Pacific team will help clarify eligibility by state and carrier. Contact us today.

Warner Pacific provides brokers with full-service support for large group medical, including strategy, RFP preparation, market analysis,  plan design collaboration, carrier coordination, proposal development, enrollment assistance, and renewal guidance. 

Our team manages the entire RFP cycle — from gathering group data and preparing complete submissions to evaluating proposals and negotiating with carriers. Brokers receive organized, accurate, and competitive proposals delivered quickly and professionally.

We assist with everything from pre-enrollment planning and materials to coordination with carriers, clean submission of enrollment data, and troubleshooting issues. Our goal is a smooth onboarding experience for brokers and their employer clients.

Our long-standing relationships with top national and regional carriers give brokers access to competitive pricing, flexible plan designs, and informed market insight. These partnerships help brokers deliver stronger solutions and better outcomes for large employers.

Understanding Funding

Understanding the different ways a health plan can be funded is key to helping employers choose the right strategy for their needs. Fully Insured, Level Funded, and Self‑Funded arrangements each offer distinct levels of risk, flexibility, and cost control. By knowing how each model works, brokers can guide clients toward the option that best aligns with their budget, risk tolerance, and goals for employee benefits.

 

Fully Insured

Fully Insured health insurance is a traditional model where an employer pays a fixed monthly premium to an insurance carrier, and the carrier assumes all financial risk for employees’ healthcare claims.

The premium is set for a year and covers the cost of claims, administration, and carrier profit.

This option offers predictable budgeting and minimal financial exposure for the employer, making it a simple, hands‑off solution.

 

Level Funded

Level Funded health insurance blends features of both Fully Insured and Self‑Funded plans.

Employers pay a stable, “level” monthly amount that covers expected claims, stop‑loss insurance, and administrative costs.

If claims run lower than expected, the employer may receive a surplus refund; if they run higher, stop‑loss protection limits the financial risk. This approach gives employers more cost control and potential savings while maintaining predictable monthly expenses.

Self-Funded

Self‑Funded health insurance allows employers to take full control of their healthcare plan by paying for employees’ medical claims directly as they occur, rather than paying a fixed premium to a carrier.

Employers typically partner with a carrier or third‑party administrator and purchase stop‑loss insurance to protect against large or unexpected claims.

While self‑funding offers maximum flexibility and potential long‑term savings, it also comes with higher financial responsibility and variability.

Broker Resources

Resources to Support You

With personalized service, Warner Pacific helps brokers find the right plan for their clients. Access large group medical information here, or connect with us directly to discuss your clients’ needs. 

Register now to join our next CarelonRx Connects webinar on March 19 at 2:00pm, ET.

Mona Mahmoud, Executive Director of Public Policy and Issues Management, will present the 2026 legislative and regulatory forecast and discuss the healthcare and PBM issues we expect lawmakers and regulators to focus on in 2026.

You'll hear expert insights on:

  • Developments in Washington, including the Congressional package, tariffs, and updates on TrumpRx.
  • Market implications that matter for employers and their members.
  • Policy pressures that will define PBM performance and accountability in 2026.
Register Now

  1. Download and save the Large Group / Level Funded RFQ Excel file.
  2. Enter the information required in the two tabs.
  3. Save the Excel file.
  4. Email (COLargeGroup@warnerpacific.com) the Excel file to our Level Funded specialists
  5. Be sure to attach your completed form to the email before sending.
Download

  1. Download and save the Excel file.
  2. Enter the information required in the three tabs.
  3. Save the final version of the Excel file.
  4. Email the Excel file to your Large Group Analyst or Sales Consultant. Be sure to attach your completed form to the email before sending.

At your convenience, you may also complete this template via our user-friendly Online RFP tool. You can access this tool via your Broker Dashboard and click on the Large Group/Level Funded Request for Proposal tile. Through this tool, you may also upload files using our secure upload feature. Documents to upload: invoices, renewals, benefit summaries, census data and any other important items you wish to include.

Large Group/Level Funded Request for Proposal (Online)

  1. Go to the Broker Dashboard and click on the Large Group Request/Level Funded/Alternate Funding RFP link.
  2. Click on Start New RFP and verify your information.
  3. Enter the information required in each section.
  4. Click on the Save and Complete button to submit the RFP to the team.
  5. Your dedicated Analyst will reach out with any questions.
Download

Grow Faster With A Partner Who's Got Your Back

You’ve probably noticed it for years: Employers’ needs are becoming increasingly complex, and they’re relying more on you for help. But who’s helping you with your growing needs?

Warner Pacific is here for you, with solutions designed to provide:

  • Efficient, hands-on assistance, from pre-sale support, to quoting, to enrollment and beyond.
  • Intuitive technology tools that make your life easier
  • Additional team members who tackle different aspects of your work, saving you time

Learn more by joining our exclusive webinar, designed for brokers who want to stay ahead in today’s competitive market.

Register Now

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Why Warner Pacific?

The complexities of large group insurance demand nuanced consultation and expertise, first-rate assistance, and proven strategies — not just quoting. 

When you partner with Warner Pacific you gain the following:

  • Strategic consultation on alternative funding, including level funding, self-funding, captives and more

  • Multimarket sales consultants who help you navigate even the most complex cases

  • Assistance interpreting network access, claims costs and renewal trends

  • And more

See why others choose Warner Pacific

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Stay Informed

Compliance Chronicle Compliance

Warner Pacific's March Compliance Chronicle

Ready to partner with us on your next Large Group?