Three moves, one record
The rate sync is bidirectional and continuous. It imports, it watches, and it pushes.
BenefitPoint rates come in whole
When a BenefitPoint product is imported, Plansight retrieves every rate attached to it and matches each one to its benefit summary. Composite, tiered, age-banded, and volume-based structures are all understood and translated into Plansight's rate model, ready to quote against.
Rates on 6-tier and 8-tier schedules are intelligently consolidated into Plansight's 5-tier model. Composite rates apply across every tier automatically.
Changes in BenefitPoint flow back
A scheduled sync checks BenefitPoint for account, product, benefit summary, and rate changes on a rolling 24-hour window. When someone updates a rate in BenefitPoint, Plansight re-imports the product so brokers always see the current numbers.
Plans that originated in Plansight are protected: the watcher never overwrites them with BenefitPoint data.
Won plans land BP-correct
When a broker pushes a plan, the integration selects the BenefitPoint rate structure that matches the benefit line and tier setup, builds the rate, and attaches it to the product and benefit summary in one operation. No re-keying.
On renewals, the prior plan's rates are carried forward and merged with what changed, and rate dates advance to the new plan year.
What we push, line by line
Eighteen BenefitPoint rate structures are supported on push, chosen automatically from the benefit line and funding type.
| Benefit line | How the rate is built in BenefitPoint |
|---|---|
| Medical | Fully insured plans push on the tier schedule that matches the plan: 3-tier, 4-tier, or 5-tier. Self-funded plans push on the self-funded structure, and when a BenefitPoint account cannot accept it, the integration automatically re-sends the rate as a fully insured premium approximation so the record is never left empty. The approximation is labeled as such on the rate description. |
| Dental | Fully insured and self-funded, on the matching 3, 4, or 5-tier schedule. |
| Vision | Fully insured and self-funded, on the matching 3, 4, or 5-tier schedule. |
| Pharmacy (Rx Carve-Out) | Self-funded carve-out rate structure. |
| Stop Loss | Specific and aggregate premiums push as paired rate rows per tier. |
| Life & AD&D | Four variants covered: employee-only or employee plus dependents, life-only or life with AD&D. Rates carry their per-unit basis (the per-$1,000-of-benefit style rate) so BenefitPoint receives both the rate and its unit of measure. |
| Voluntary Life | Fully insured voluntary life rate structure. |
| Short Term Disability | Age-banded: twelve bands from under 20 through 70+, each with its rate and covered lives from the census. A composite STD rate is automatically applied across all twelve bands. |
| Long Term Disability | Age-banded, same twelve-band treatment as STD, with employee counts included. |
| HRA / HSA / EAP | Administration rate structures for each product. |
The details we sweat
Getting a rate into BenefitPoint is easy. Getting it in correctly, every time, is where the engineering went.
- Tier translation both directions. When Plansight and BenefitPoint use different tier schedules, a per-benefit mapping table converts between them: a 3-tier Plansight plan lands correctly on a 5-tier BenefitPoint schedule, and 6 or 8-tier BenefitPoint rates consolidate cleanly into Plansight's five tiers on import.
- Date compensation. BenefitPoint shifts pushed rate dates by a day in some configurations. Plansight detects this per brokerage and compensates, so effective and expiration dates land exactly as intended, aligned to the product's plan year, with renewal dates advancing correctly each cycle.
- Decimal precision guardrails. BenefitPoint accepts rates to two decimal places. Life and disability rates often carry three. Plansight checks every rate before push and tells the broker exactly which values will round, before anything is sent.
- Rate guarantees travel too. Rate guarantee periods push with the rate, converted to the day or month form BenefitPoint expects, with optional rounding to whole years per brokerage preference.
- Renewals merge instead of overwrite. On a renewal push, the prior BenefitPoint rate is copied forward and only what changed is replaced, so context built up in BenefitPoint is preserved.
- Premium control. Estimated premiums are never blindly overwritten in BenefitPoint. Brokerages choose whether new plans send a monthly premium calculated from the Plansight plan cost.
- Clear errors, not error codes. If BenefitPoint rejects a rate, the raw API error is translated into plain language, with carrier and product names resolved, and shown next to the plan it belongs to.
- Per-brokerage behavior. Rate source on renewal (BenefitPoint parent data vs. Plansight data), multi-summary mode, date compensation, guarantee rounding, and premium sourcing are each configured per brokerage, so the sync matches how each agency actually operates.
Rate structures outside the sync today
A few BenefitPoint rate structures are not part of the push today. Plans still push; these specific rate shapes are handled differently or entered in BenefitPoint directly.
- Smoker-split supplemental life volume rates. Plansight rates life on a unismoker basis; BenefitPoint's separate smoker and non-smoker volume rows have no Plansight counterpart.
- Per-unit STD and LTD structures. BenefitPoint's per-$10-of-weekly-benefit and per-$100-of-payroll disability structures are not pushed; Plansight pushes disability age-banded instead, which BenefitPoint accepts for the same products.
- Disability buy-up option rows. Base rates sync; the buy-up option rows on those structures have no Plansight counterpart.
- ASO disability rates. BenefitPoint does not accept rates on self-funded (ASO) STD and LTD products, so the plan and benefit summary push without a rate and the broker is told exactly that.
- Standalone AD&D, business travel accident, and enrollment-banded medical and dental structures. Recognized on import mapping, not built on push.
The rate sync keeps deepening
Rate coverage grows the same way the rest of the integration does: driven by what brokerages push most. If your agency relies on a rate structure listed as outside the sync, tell your Plansight team and we will factor it into the roadmap.