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CoverageTierCode when it varies per customer and plan

  • 1.  CoverageTierCode when it varies per customer and plan

    Posted 03-13-2024 10:53

    If a partner requires a different coverage level depending on the customer or plan, is this currently supported?

    Example:

    Within a single employer group:

    Employee and 1 child are enrolled in both plans.

    For plan A, carrier expects EmployeeDependent
    For plan B, carrier expects EmployeeChild

    I don't see a place to specify the requested difference in CoverageTier on the Coding Supplement. Does this mean that this is not supported and LDEx expects global CoverageTiers per partner?


    #LDEx-BEM

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    Amanda Lund Anderson
    Director, Integrations Engineering
    Plansource
    Salt Lake City UT
    8018692781
    ------------------------------


  • 2.  RE: CoverageTierCode when it varies per customer and plan

    Posted 03-19-2024 12:45

    @Amanda Lund Anderson in your example, is it because Plan A and Plan B have different Tier's? One being a 3 tier Plan vs the other being a 4 tier Plan?



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    Sathish Kari Kundan
    LDEx FORUM Admin & Moderator
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  • 3.  RE: CoverageTierCode when it varies per customer and plan

    Posted 03-19-2024 14:27

    Hi @Sathish Kundan In this case, both plans are 4 tier.

    In this example, for plan A the expected corresponding tiers are:

    Employee, EmployeeSpouse, EmployeeDependent or EmployeeFamily

    For plan B:

    Employee, EmployeeSpouse, EmployeeChildren or EmployeeFamily

    Both are 4 tier. 



    ------------------------------
    Amanda Lund Anderson
    Director, Integrations Engineering
    Plansource
    Salt Lake City UT
    8018692781
    ------------------------------



  • 4.  RE: CoverageTierCode when it varies per customer and plan

    Posted 03-21-2024 12:09

    "I don't see a place to specify the requested difference in CoverageTier on the Coding Supplement. Does this mean that this is not supported and LDEx expects global CoverageTiers per partner?"

    I see no reason the schema could not support this level of complexity. We may need to discuss adding a column for the coverage tier in the Coverage section. Would that resolve the issue?



    ------------------------------
    Michael J Grudgings
    Business Architect, Data Standards | LL Global, Inc.
    300 Day Hill Road, Windsor, CT, 06095
    t: (860) 298-3850 | mgrudgings@limra.com
    ------------------------------



  • 5.  RE: CoverageTierCode when it varies per customer and plan

    Posted 03-21-2024 13:31

    Can multiple CoverageTiers values (but same coverageTier) be handled when generating a BEM payload for the same group? 



    ------------------------------
    Sathish Kari Kundan
    LDEx FORUM Admin & Moderator
    ------------------------------



  • 6.  RE: CoverageTierCode when it varies per customer and plan

    Posted 03-21-2024 14:50

    I think so? If the expected/supported values are always the same, or can be determined based on another variable, like product type, it may be something that could be determined on a partner level vs. per customer. If the expected/supported values for a single product can be different across customers within the same trading partner, I wasn't sure how else to identify this, but perhaps I'm missing something. 



    ------------------------------
    Amanda Lund Anderson
    Director, Integrations Engineering
    Plansource
    UT
    ------------------------------



  • 7.  RE: CoverageTierCode when it varies per customer and plan

    Posted 03-21-2024 15:07

    The schema allows this configuration. We simply need a way to accurately communicate this. We can create an issue and discuss it in the next Tech Spec Team meeting. 



    ------------------------------
    Michael J Grudgings
    Business Architect, Data Standards | LL Global, Inc.
    300 Day Hill Road, Windsor, CT, 06095
    t: (860) 298-3850 | mgrudgings@limra.com
    ------------------------------



  • 8.  RE: CoverageTierCode when it varies per customer and plan

    Posted 03-29-2024 10:24

    This will be discussed at the next Tech Spec Team Meeting: Wednesday, April 10, 2024



    ------------------------------
    Michael J Grudgings
    Business Architect, Data Standards | LL Global, Inc.
    300 Day Hill Road, Windsor, CT, 06095
    t: (860) 298-3850 | mgrudgings@limra.com
    ------------------------------



  • 9.  RE: CoverageTierCode when it varies per customer and plan

    Posted 04-01-2024 11:54

    After further discussion, this type of coverage tier mismatch at the implementation level shouldn't be an issue in most cases and should be discussed at the Integration level, which would exclude the coding supplement from updates. We'll consider this issue solved with the recommendation this discussion happens at the integration level early in the project kick-off timeframe. 



    ------------------------------
    Michael J Grudgings
    Business Architect, Data Standards | LL Global, Inc.
    300 Day Hill Road, Windsor, CT, 06095
    t: (860) 298-3850 | mgrudgings@limra.com
    ------------------------------



  • 10.  RE: CoverageTierCode when it varies per customer and plan

    Posted 08-13-2024 19:06
    Edited by Anjali Patel 08-13-2024 19:07

    If a carrier requires the benefit amounts for Spouse and/or children for a combined coverage tier code is this currently supported? 

    We would be getting the Employee benefit amount and even though the coverage tier would be agreed upon as a Combined one, there are times where a downstream system requires the benefit amounts for Spouse and/or Children also to be included.  For example, for port and convert process/letters.



    ------------------------------
    Anjali Patel
    Director, Business Systems Analyst - Group Insurance
    Prudential
    Newark NJ
    anjali.patel@prudential.com

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  • 11.  RE: CoverageTierCode when it varies per customer and plan

    Posted 08-14-2024 11:04
    Edited by Sathish Kundan 08-14-2024 11:04

    Do you need multiple Benefit Amounts within one instance of the Coverage Entity , one for the Employee, one for Spouse and one for the Child ?



    ------------------------------
    Sathish Kari Kundan
    LDEx FORUM Admin & Moderator
    ------------------------------



  • 12.  RE: CoverageTierCode when it varies per customer and plan

    Posted 08-14-2024 11:28
    Edited by Anjali Patel 08-14-2024 11:28

    Hi Sathish,

    Thank you for the reply.  Yes, we would need multiple benefit amounts within the one instance.



    ------------------------------
    Anjali Patel
    Director, Business Systems Analyst - Group Insurance
    Prudential
    Newark NJ
    anjali.patel@prudential.com
    ------------------------------



  • 13.  RE: CoverageTierCode when it varies per customer and plan

    Posted 30 days ago

    The Benefit Amount under Coverage is not an array, so will not support this scenario.

    But curious to know, would the BenefitPlanIdentifier be the same for all 3 participants (Employee, Spouse, Child)?



    ------------------------------
    Sathish Kari Kundan
    LDEx FORUM Admin & Moderator
    ------------------------------



  • 14.  RE: CoverageTierCode when it varies per customer and plan

    Posted 30 days ago

    Yes it is one plan so the coverage for all would be under the same BenefitPlanIdentifier.  An example of a scenario is where Spouse benefit amount would be 40% of employee amount and Child benefit amount would be 10% of employee benefit where the Combined coverage tier code was EmployeeFamily. 

    Curious if this came up in any discussions where the associated Spouse and Child amounts would be needed since the benefit amount is not an array?  Possibly adding BenefitAmountSP or BenefitAmountCH and then it would be up to the carrier if they want to read the amounts in these data elements or not.  I couldn't really find any other field where it could be passed when needed.



    ------------------------------
    Anjali Patel
    Director, Business Systems Analyst - Group Insurance
    Prudential
    Newark NJ
    anjali.patel@prudential.com
    ------------------------------