The web-based Medical Underwriting Guidelines (WebMUGs) can greatly enhance the efficiency and consistency of underwriters using the Milliman Small Group and/or Individual Medical Underwriting Guidelines (MUGs). WebMUGs is a full-featured underwriting application built on an instantly-searchable electronic MUG manual that frees your underwriters from flipping through paper manuals.

The WebMUGs are a web-based version of the Milliman electronic AutoMUGs software offering enhanced and additional features. The AutoMUGs PC-based version is still available for those not looking for a web-based solution.

Benefits of WebMUGs

o	Improve effectiveness of medical underwriting (and lower your loss ratio)
o	Reduce quote turn-around time (and improve your close ratio)
o	Allow underwriters to focus on underwriting (instead of paper shuffling)
o	Increase efficiency and maximize underwriting sophistication by simplifying condition and rating look-ups
o	Improve management insight into underwriting activity
o	Implement client-defined, role-based security
o	Web-based system is significantly easier to administer
o	Easily export data from the user interface
o	Web service interfaces for system integration

Underwriting Features

o	Debits assigned to members based on:
	·	Health conditions
	·	Prescription use
	·	Physical build
	·	Tobacco use
o	Sophisticated searching of conditions and ratings
o	Rating impact of excluding certain conditions and/or members
o	Compliance requirements for documentation of underwriting decisions satisfied by maintaining electronic records of each group/application
o	Reports including:
	·	Most frequent conditions for a selected time period
	·	Average debit points assigned by group and by group size (Small Group version) or family member and family combined (Individual version)
	·	Points assigned for height/weight (physical build) versus health conditions
	·	Health condition detail by member for a selected group/application

For more information about subscribing to the Milliman-hosted WebMUGs secure website or licensing the software for your Intranet, contact us via e-mail at webmugs.support@milliman.com.