March 28, 2025
Dr. Stephanie Kong President and CEO ZÖe Center for Pediatric & Adolescent Health 959 17 th Street Columbus, GA 31901
In Re: 2025 Group Health Insurance – Preliminary Review
Dear Dr. Kong –
As you know, ZÖe Pediatrics group benefits package will renew August 1 st , 2025. We certainly appreciate the opportunity to work with you and look forward to a continued relationship.
Marketing Efforts
As requested, we have marketed your group health insurance plan in advance of the 2025 Imagine360 renewal. We have reached out to all available markets to include all funding arrangements – fully-insured, level-funded, self-funded, allowance arrangements, and ICHRA options for a preliminary date of 6/1. We have included a market analysis below for your review. Due to the nature of your current contract with varying claims costs, all proposed responses are based off your fully insured equivalent rates with Imagine360. Potential savings vs. current program could vary depending on actual incurred claims with Imagine360 for the plan year.
Carrier Angle Aetna
Contract Type Level Funded Level Funded Level Funded Balance Funded
Response
Declined to Quote
Not Competitive - +44% above current +8% above current – proposal included -2% below current – proposal included Pending – additional claims data requested
Cigna
Anthem
UnitedHealthcare
Level Funded
Sidecar Curative
Allowance Arrangement -10% below current – proposal included
Fully Insured
Declined to Quote – renewal data required Variable Cost Savings – proposal included
Zizzl
ICHRA
We have included the submitted proposals for your review.
Yates, LLC 6001 River Road • Suite 401 • Columbus, Georgia 31904 (706) 571-0093 • Fax (706) 571-2981
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