The Benefits Lifecycle

Noyo handles enrollment data for employee health and supplemental benefits, including medical, dental, vision, life, accident, and disability insurance coverage.

The lifecycle of a group's coverage plans generally looks like this:

1. Shopping A broker presents different plan options to the group admin
2. Quoting The broker submits the group's information to carriers to get quotes for plans
3. Selling The group selects their plans and signs the contracts
4. Installation The carrier(s) put the group's selections into their system(s)
5. Setup The group's plans are added to the ben-admin's system
6. Enrollment Employees choose which plans to enroll in or waive
7. Maintenance Employees update their data throughout the plan year
8. Open enrollment and renewal The broker and group admin decide whether to continue the same plans for the next year. This is the time for employees to re-enroll or choose different plans.

Where does Noyo fit in?

Noyo enters the picture after Step 4 - Installation. All of the shopping, quoting, and selling has been done, and the carrier has already installed the group's plan information in their systems. This often means that they have already received census data, which is typically gathered by the group's broker and sent as a file.

Noyo can help you with Step 5 - Setup by making the carrier's data available for you to use if you are setting up the group in your own system. See Using Noyo Data for more on what data you can get through our endpoints.

During Steps 6–8, your Noyo integration will take the place of whatever you're using today to transmit enrollment and demographic changes to insurance carriers. Examples of current methods include EDI (834, .csv, LDEx), carrier portals, paper forms, custom-built integrations, or phone calls.