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The Small Group Medical Underwriting Guidelines (SGMUGs) are underwriting guidelines that enable underwriters to use information provided during initial underwriting to estimate the relative costs of small groups applying for coverage, used as an input in developing the rate to quote each small group.
How to use the SGMUGs:
Advantages of using the SGMUGs:
The SGMUGs are comprehensive in scope and are updated every 12 months to reflect changes in medical technology and underwriting practices. The prescription drug portion of the SGMUGs is updated every six months.
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