Quotable offering

A quotable offering is one combination of plan variant, network tier and co-pay block — a single thing a client can actually buy and be priced for. A plan sold on three networks at two co-pay levels is six quotable offerings.

Updated 2026-08-26

Rabt's own term, for a real problem

"Plan" is ambiguous. A client cannot buy "Silver" — they buy Silver on NextCare RN3 at 20% co-pay, which has a different premium and different providers from Silver on NAS at nil co-pay. The industry says "plan" for both, and the ambiguity is where quoting errors live.

Why it is derived rather than stored

The naive model is a row per combination: one plan on three networks at two co-pay levels becomes six plan records. Then a benefit changes, and it has to be edited six times, and someone edits five.

A quotable offering is a join instead. The plan variant holds the benefits, the network tiers list the networks it is sold on, the co-pay blocks hold the rate grids. The offerings are computed from those three, so changing a benefit once changes it everywhere it appears and nothing can fall out of step.

What it means at quotation

A comparison lists offerings, not plans. Two columns can carry the same insurer and the same plan name and still be genuinely different things worth showing side by side — which is precisely the comparison a broker is being paid to make.

Where this comes up

Related terms

In Rabt

How Rabt works — load once, quote all year — Load an insurer’s rate chart and table of benefits once. Every quote for the rest of the policy year reads from that, so the numbers cannot drift apart.

Every one of these is a field in Rabt

Co-pay, network, age band, waiting period — Rabt holds them as data on the plan, so a quote states them the same way every time and a comparison can line them up.

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