How to place medical benefits on ThreeFlow step-by-step

Placing medical benefits doesn’t need to be manual or messy. Whether you're preparing for busy season or supporting a renewal mid-year, ThreeFlow makes it easy to quote and compare medical plans—so you can focus on helping clients make informed decisions.

This post walks through how to place medical benefits for the mid-to-large market in ThreeFlow, step by step. You'll also find answers to the most common questions brokers ask when getting started.

1. Set up coverage

ThreeFlow has a plan library of medical plans from top carriers like Blue Cross Blue Shield and UnitedHealthcare, with pre-defined plan design values already built in. Just enter the plan ID and the values populate automatically.

If your preferred plans aren’t already in the plan library, you’re still covered. Provide us your SBCs during implementation, and we’ll take care of adding the plans for you. That way, when it’s time to request an RFP or renewal, you’re ready to go—with minimal manual work.

2. Request renewals and RFPs

You can request medical renewals or RFPs from any carrier directly in ThreeFlow. Either you or your carrier partner can upload renewal and proposal documents to the platform.

Once a document is uploaded, ThreeFlow starts extracting the key data needed to build a quote.

3. Generate AI-populated quotes

After the renewal or RFP is uploaded, ThreeFlow uses AI to extract plan details like:

• Plan ID
  
• Effective dates
  
• Rates
  
• Single and Family Deductibles
  
• Single and Family Out-of-Pocket Max
  
• Primary and Specialist Visit copays
  

For plans already in our library, ThreeFlow generates a quote in minutes. For other carriers, we run an additional review through ThreeFlow Assist to validate the data. These quotes are typically available within two business days.

This step alone reduces manual data entry by nearly 60%, helping brokers move from hundreds of proposals to the few that matter—fast.

4. Analyze and compare quotes

Once your quotes are in, ThreeFlow makes it easy to prepare for client meetings. You can:

• Filter plans by carrier and plan type
  
• Favorite or shortlist plans
  
• Create custom plan options based on your client’s needs
  

If you’re working with ACA groups, upload a census file, and ThreeFlow will quickly show which plans the group is eligible for.

5. Export client-ready presentations

You can export medical benefit options in your preferred format using presentation assistant. It’s an easy way to transfer information to your standard client materials, without extra formatting.

Quick tip: During implementation, send us your client presentation template. We’ll build a custom presentation assistant for you, so you're ready to go before busy season picks up.

Why brokers use ThreeFlow for medical

ThreeFlow supports your entire book of business—no matter the group size or carrier mix. With a process that reduces manual work and improves consistency, you can move faster and scale smarter. Key benefits include:

• Collect quotes from any carrier
  
• Support clients of any size
  
• Build analysis with multiple carriers and plan options
  
• Export into your firm's client-ready format
  
• Skip data entry—quotes are uploaded and spread automatically