By default, Noyo expects a member snapshot to include every active coverage Noyo can find at the carrier for a given family. If an active line of coverage is missing from a snapshot, Noyo will cancel the related changes that are being requested (or cancel the entire snapshot if only one carrier is involved). Sometimes, like in the case of an older plan not being terminated, the carrier may show an active coverage that you omitted from your snapshot. To more seamlessly handle these scenarios, we’ve added an optional omitted_coverage_handling block to member snapshots that gives you the power to specify our system’s behavior. You can tell our system how to handle omitted coverages by passing one of the following values in the new policy field:
ValueDescription
rejectThis is the default behavior if no other behavior is specified. Snapshots with omitted coverages will continue to be canceled.
continueNoyo will behave as if these coverages were included in the snapshot, and take no action to terminate them at the carrier.
terminateThis will create a termination transaction for the omitted coverage using the end date specified by the termination_rule.

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Default behavior: Reject

Sending a policy of reject will replicate the default behavior of member snapshots, where the member’s changes or the entire snapshot are rejected with information about the missing coverage. The failure will not be returned as an API (4xx) error, but will be included in the snapshot fulfillment summary. 
"omitted_coverage_handling": {
		"policy": "reject"
}

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Continue on omission

Sending a policy of continue allows you to keep sending member snapshots with the member’s current coverages without making explicit changes to any that are omitted. Noyo will return warnings for specific coverages or members missing from the snapshot, so you’ll be alerted to omitted coverages and can pass these warnings along to Operational or client-facing teams who can resolve issues. Typically, this will result in no changes to the omitted coverages; however, in scenarios that impact all coverages for the family (such as changing from one division or subgroup to another), these coverages will be included as part of the change. 
"omitted_coverage_handling": {
		"policy": "continue"
}

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Terminate on omission

Terminate by omission is not generally recommended except in very specific use cases. Please consult with Noyo before using this option.
Sending a policy of terminate allows you to terminate any unexpected coverages found at the carrier. This policy requires that a termination_rule also be passed so we can calculate a termination date for the omitted coverage.

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Available termination rules

ValueDescription
end_of_current_monthThe last day of the current month. If sent on July 4, this would create a termination date of July 31st.
end_of_prior_monthThe last day of the previous month. If sent on July 4, this would create a termination date of June 30th.
customThis allows a custom termination date to be sent. It requires including the effective_end_date field, which accepts a date format of yyyy-mm-dd.
"omitted_coverage_handling": {
		"policy": "terminate",
		"termination_rule": "end_of_prior_month"
}