We propose a hybrid approach to treating atomic structure and rates in collisional-radiative models, combining the completeness of highly averaged models with the accuracy of detailed models. The hybrid scheme supplements a small subset of coronally accessible fine structure levels with a complete set of configuration- and superconfiguration-averaged levels and produces spectra based on transitions among a mix of fine-structure and relativistic configuration-averaged levels. Convenient expressions are given for obtaining rates between the fine structure and averaged levels and a technique for propagating configuration interaction from the fine structure calculations to configuration averages is described. We present results from a trial hybrid model of germanium which demonstrate the accuracy of the hybrid model for charge state distributions and spectra