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General

Carrier Rep Submitting Offers

Submitting Offers

This guide covers how carrier reps submit offers in response to RFPs.

1. Complete Offer Details

Each coverage type has its own structured offer form. The form mirrors the broker's requested plan design.

Depending on coverage type, you'll enter:

  • Plan details
  • Benefit values
  • Rates (tiered, age-banded, or volume-based)
  • Commission information

Plan Responses: For coverage types where the broker has specified one or more plan designs, the offer form includes a Plan Responses section. This lists each plan the broker configured and lets you submit rates and details plan by plan — ensuring your response maps precisely to what was requested. Dental offers, for example, display each requested plan design as a separate response row.

Renewal vs. Alternative Plans: When a broker has configured a renewal plan alongside alternative options for a coverage type, each appears as a separate row in the Plan Responses section. Renewal plans are marked with a Renewal badge so you can distinguish them from alternative configurations at a glance.

Tracking which plans are done. Every plan carries a status badge, and its tab carries a green check once the plan is submitted. The badge separates what you have typed from what Monark has actually saved:

| Badge | What it means | | ----------------------------------- | ------------------------------------------------------------------------------------------------- | | No response yet | Nothing entered for this plan | | Not submitted (amber) | You have entered rates or details, but they are not saved yet | | Unsaved changes (amber) | The plan was submitted, and you have edited it since | | Submitted (green, with a check) | Saved — the broker can see it | | Declined to quote | You have declined this plan. Decline — not submitted means the decline itself isn't saved yet |

Green never means "drafted." A plan reads as Submitted, and its tab shows the green check, only once the response has actually been saved — so a half-finished plan cannot look finished at a glance. There is no per-plan Quote button: entering values is what marks a plan as responded to, and Submit Responses is what saves them.

Pre-Filling a Dental Offer from Your Proposal Document

If you already have the proposal as a document, you don't have to retype it. On a Dental RFP, an Upload Proposal button sits above the offer form.

  1. Click Upload Proposal
  2. Drop in one proposal document — PDF, Excel, Word, or an image, up to 4MB
  3. Monark reads the plans out of the document and shows you a confirmation screen pairing each extracted plan with one of the plan designs the broker requested
  4. Review and adjust the pairings, then confirm
  5. The matched values land in the offer form as a draft for you to check and edit

How the pairing is made. Extracted plans are matched against the requested designs on plan type, out-of-network coverage, deductible, annual maximum, and coinsurance, with plan-name similarity used only to break a tie. Where two designs match equally well, the pairing is left blank rather than guessed — assign those yourself.

What it fills and what it doesn't. Pre-fill covers the plan design and rates it can read from your document, and only for the rate tier the broker requested. Contribution, funding, and commission fields are left for you to complete. Uploading a second document replaces the pre-filled draft rather than merging into it, so one saved offer never describes two documents.

Nothing is submitted by uploading. The result is a draft — review every field against your document before you submit, the same as an offer you typed by hand. The upload button is hidden once the RFP is locked by a proposal, and on coverages other than Dental.

2. Complete Coverage-Specific Sections

The following coverages follow similar patterns:

  • Dental
  • Vision
  • Life & AD&D
  • Disability (STD/LTD)
  • Accident
  • Hospital Indemnity
  • Critical Illness

Each form only shows fields relevant to that coverage.

3. Upload Attachments

You may upload:

  • Rate sheets
  • Benefit summaries
  • Supporting documentation

Attachments are shared with the broker.

4. Submit Your Offer

You may save a draft of your offer. Saving a draft does not notify the broker.

Once you are ready to submit, click Submit Offer. The offer will be immediately sent to the broker and the status will be updated to Responded. Once submitted, offers cannot be edited. Contact the broker if changes are needed.

On coverages with a Plan Responses section, Submit Responses sits in a bar pinned to the bottom of the screen, below the last plan and the Additional Carrier Replies section. It stays reachable wherever you have scrolled to, and shows Submitting… with a spinner while your responses save. It submits every plan response at once — you don't submit them one at a time.

If multiple coverages were requested:

  • Submit offers independently per coverage
  • Respond only to the lines you support
  • Each coverage tracks its own status

Submitting Multiple Offers for the Same Coverage

You can submit more than one offer for the same RFP coverage — for example, an HMO option and a PPO option for the same Dental or Life RFP.

How to add an additional offer:

  1. After submitting your first offer, look for Additional Offer Options on the offer page
  2. Click to open a new offer form for the same coverage
  3. Complete and submit the additional offer independently

Each offer is tracked separately and the broker can compare all submitted offers side by side.

Next Steps

  • Viewing Your Responses