Omitted Coverage Handling

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.

Omitted coverage handling policies

You can tell our system how to handle omitted coverages by passing one of the following values in the new policy field:

Value	Description
`reject`	This is the default behavior if no other behavior is specified. Snapshots with omitted coverages will continue to be canceled.
`terminate`	This will create a termination transaction for the omitted coverage using the end date specified by the `termination_rule`.
`continue`	Noyo will behave as if these coverages were included in the snapshot, and take no action to terminate them at the carrier.

Default behavior: `Reject`

Sending a policy of reject will replicate the current behavior of member snapshots, where the member's changes or the entire snapshot are rejected with information about the missing coverage.

"omitted_coverage_handling": {
		"policy": "reject"
}

`Terminate` by omission

Sending an 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.

Available termination rules

Value	Description
`end_of_current_month`	The last day of the current month. If sent on July 4, this would create a termination date of July 31st.
`end_of_prior_month`	The last day of the previous month. If sent on July 4, this would create a termination date of June 30th.
`custom`	This 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"
}

"omitted_coverage_handling": {
		"policy": "terminate",
		"termination_rule": "end_of_current_month"
}

"omitted_coverage_handling": {
		"policy": "terminate",
		"termination_rule": "custom",
		"custom": {
				"effective_end_date": "2023-11-30"
		}

`Continue` by 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"
}