Ideon Insights: Guardian’s Josh Weaver on APIs and digital partnerships

Welcome to Episode 3 of Ideon Insights, our monthly interview series featuring thought leaders and innovators driving the benefits industry forward. In this episode, we sat down with Josh Weaver, Head of Digital Ecosystem & Partner Management at Guardian Life, a leading provider of life, disability, dental, and vision insurance and other group benefits.

In this Q&A, Josh explains how Guardian leverages technology to enhance the benefits experience, their focus on API connectivity and strategic tech partner selection, and their collaboration with middleware solutions like Ideon. He also dives into Guardian’s real-time quoting capabilities, winning business in today’s small group market, and more.

Watch the full episode of Ideon Insights here. Below we’ve highlighted five key moments from the conversation.

IDEON: How do you evaluate and choose benefits technology partners?

JOSH WEAVER: To me, it all starts with value. Guardian is really focused on the overall well-being of our plan holders. So really, the first piece is, you want partners that are focused on the same thing. Are these partners focused on really improving the experience for our plan holders? Number two, we think about the entire lifecycle of a member, and really how do we, through connectivity, engage with these partners—API preferred—to create a better experience than Guardian could provide alone.

 

Do you select partners based on their connectivity capabilities?

If you’re not an API-enabled partner, there has to be a very unique value prop you’re bringing to market for us to want to partner with you in a commercial or a more strategic manner. If I fast forward five, six, seven years from now, I think you’re going to see API connectivity is replacing EDI.

So really, if you’re not on a modern technology stack, then you’re not necessarily the companies that we’re looking to partner with moving forward. 

 

​​Does connectivity impact which carrier a group chooses?

Benefits are still an extremely important part of the conversation. But it’s also around, as an employer, how does working with Guardian make my life easier? Do they work with my benefit administration platform? Do they offer online EOI or EOI API?

You’re seeing plan holders and brokers, when they’re recommending carriers to clients, they’re looking at not just what benefit package makes the most sense, but really what’s going to fit all of their needs. You’re seeing the technology, and that ecosystem-partnership piece, being just as important as the benefits conversation. If you have a subpar value prop with a platform, oftentimes the broker is not even going to recommend you or even look to quote you.

 

How does Ideon fit into Guardian’s digital strategy?

Guardian has the ability, through Ideon, to connect with multiple platforms that, for us to connect with each one of these individually, it’d be such a massive investment and endeavor. Working through Ideon allows us to get with more platforms faster.

As a carrier, there are only so many API connections you can build. So, the middleware allows us to access a greater number of platforms, which ultimately empowers the employer to be able to pick a broader set of platforms that are going to work well with Guardian. From our perspective, engaging with middleware really is about reaching more clients in the ecosystem they choose.

Just through the lens of BenAdmin and enrollment, the more connectivity you have, the better. There may be a reason that an employer chose a platform that Guardian is not integrated directly with. That’s fine. And that’s where the middleware allows us to really have that connectivity and expand our portfolio.

 

What digital solutions has Guardian implemented in the small group space?

I think an area that we’re really starting to push into—and push forward with Ideon—is really around real-time quoting capabilities. For us, if we think about the small group segment, a lot of brokers and group general agencies want to be empowered to self-quote, they want to be able to do it on their own time, on their platform.

And so really, utilizing that real-time quoting technology is an area that we are continuing to focus on. We feel like to create that shop through purchase through implemented-with-Guardian experience, where it’s a one-touch sales process, quoting technology is important. It can be a differentiator in the market.

 

Stay tuned for new episodes of Ideon Insights each month. Subscribe to our newsletter below to stay in-the-know about Ideon and receive our latest content directly to your inbox.

How BenAdmin Platforms Setup Carrier Connections in 5 Days

In the competitive world of benefits administration, setting up carrier connections can be an operational nightmare. What if you had a strategic guide to a better process?

This infographic is a gameboard for a BenAdmin’s operational life. Read it, play along, and compare two pathways side-by-side:

  • Navigate the EDI path: This industry standard typically takes an 8-12 week journey filled with building and testing files, errors, and constant communication with carriers.
  • Take a shortcut and win with API-powered connectivity: This alternate route reduces connection setup to around five days, optimizing your operational efficiency.

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How technology partnerships improve member experience and the bottom line

Watch the Webinar
On Demand

Today’s leading carriers leverage an expansive (and growing) benefits technology ecosystem. But choosing and integrating with the right partners can be challenging.

In this webinar, Ideon hosts executives from Prudential, PlanSource, and Brella to discuss how carriers successfully develop robust 3rd-party partnership strategies to meet members’ needs and increase revenue.

Discussion points include:

  • Balancing in-house development with external technology partnerships
  • Meeting members where they are (the case for carrier-BenTech partnerships)
  • Industry-leading examples of successful carrier-BenTech partnerships
  • Key challenges in choosing the right partners, and integrating with external systems

 

 

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An API Road Map for Insurance Carriers

More and more carriers are adopting APIs to support fast, accurate data exchange with benefits administration platforms.

Why? Because API-powered enrollment and eligibility experiences are quickly becoming key carrier advantages.

But carriers focused on API development need a proven road map to follow, because the sequence is as critical as the API functionality.

 

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Introducing the Ideon Dashboard for real-time visibility of enrollment data

At Ideon, we’re dedicated to facilitating seamless enrollments and data exchange for our carrier and benefits platform customers. That means not only maintaining the fast, accurate, and scalable connections they expect, but also providing greater transparency and visibility—qualities that have been lacking in our industry.

That’s why we’re excited to introduce a major enhancement to our product suite: the Ideon Dashboard, a powerful new interface that compliments our existing API endpoints. With enhanced monitoring of group implementation statuses and the ability to submit, track, and resolve issues, this dashboard brings unparalleled visibility, efficiency, and collaboration to Ideon’s enrollment customers.

The dashboard enables effective three-way collaboration between carriers, benefits platforms, and Ideon, allowing for the swift resolution of issues when they arise. It eliminates the clutter of email threads and ensures no issues are overlooked, all in a centralized, user-friendly tool that keeps all parties in the loop.

Let’s take a closer look at some of the key features.

 

Improved Visibility with the Enrollment Tasks Manager

Historically, setting up and managing group enrollments required numerous steps and lots of back-and-forth communication between carriers and benefits platforms. Ideon’s dashboard changes this equation. Carriers and platforms can now access real-time updates on the status of enrollment data that’s been loaded into Ideon’s system. This added visibility minimizes confusion and prevents potential delays in member enrollment.

At a glance, customers can get an immediate overview of their data across all groups, including details such as carrier-specific identifiers and coverage start and end dates. For each coverage period, they can monitor the status and owner of all completed and upcoming setup tasks. 

Tasks can be assigned to specific users from the platform, Ideon, or the carrier, ensuring there’s alignment on next steps and responsibilities. Additionally, comments and attachments can be added to each task, providing necessary context and encouraging collaboration. This not only eliminates lengthy email exchanges but expedites the process of getting groups live.

Through the transparency and visibility provided by the Enrollment Tasks Manager, Ideon customers will always be informed about the status of their groups. They’ll have accurate and up-to-date information to share with members, brokers, and HR teams, ensuring a better enrollment experience with clear timelines and expectations.

Efficient Issue Resolution with the Customer Ticketing System

As carriers and benefits platforms’ operational teams know all too well, issues are bound to happen in our industry, whether it’s discrepant group information, a member inquiry, or another pressing matter.

The Ideon Dashboard offers streamlined issue resolution with its intuitive Customer Ticketing System. It centralizes communication and collaboration, allowing customers to easily submit, track, and resolve their questions, concerns, and escalations. With everything in one place, scattered communication channels like Slack and email are eliminated, and tickets are monitored right alongside the groups they belong to.

For each ticket, customers can provide notes, severity info, and useful attachments or documentation. Comment threads help maintain individualized communication with Ideon, and watcher functionality and email notifications keep customers in-the-know at all times.

Conclusion

The Ideon Dashboard is a powerful addition to Ideon’s enrollment solution, providing greater levels of visibility, efficiency, and collaboration to carriers and platforms—both during group setup and in production.

The new interface is designed to enhance the overall transparency and effectiveness of working with Ideon in a secure, centralized way. But it’s meant to complement, not replace Ideon’s suite of APIs.

All data and functionality offered by the dashboard are also available via Ideon’s existing API endpoints and webhooks. Using these features, our customers can seamlessly integrate status updates and other information into their own tooling and user experience. It’s all part of the unrivaled enrollment experience that Ideon delivers to our customers, their operations teams, and, ultimately, members, employers, and brokers.

Schedule a demo

The Ideon Dashboard has already seen great success among several of our carrier and benefits platform customers, and we can’t wait to show you all of its features. You can watch a short demo above, or reach out to schedule a personalized walkthrough.

 

Five takeaways: Ancillary quoting and the rise of 3rd-party platforms

Third-party platforms are modernizing how brokers quote voluntary and ancillary benefits, providing an intuitive digital experience to instantly quote and select multiple carriers and lines of coverage.

Sounds amazing, right? Some carriers have embraced this transformation, partnering with tech platforms to ensure their products are distributed to brokers via today’s growing digital ecosystem. But for others, there’s been hesitancy to adopt a 3rd-party strategy.

What factors are leading to these varied outlooks and strategies?

Ideon, an API company that connects carriers and platforms in an easy and scalable way, recently hosted a webinar where a panel of experts explored the evolution of ancillary benefits quoting, the value of 3rd-party partnerships, the digital demands of today’s brokers, and more.

In this blog, we highlight five key takeaways from the event, which featured:
–   Jeremy McLendon — Sr. Vice President at MyHealthily
–   Hannah Thompson — Sr. Manager of Solution Architecture at Beam Benefits
–   Eric Weiford –– Sr. Relationship Manager at Principal Financial Group

A full recording of the webinar is available for download, here.

1. The fear of spreadsheeting is overblown.

One prevalent reluctance among carriers, as they consider offering their products through 3rd-party platforms: Won’t this just lead to my plans being spreadsheeted?

All three panelists agreed — spreadsheeting is happening regardless, and carriers may as well empower it through distribution and great digital experiences.

“Distribution means some change in tradition,” McLendon said. “You’re probably going to be spreadsheeted as it is. So why not win and do it a little faster?”

Beam approaches spreadsheeting from a similar perspective, Thompson said. “Cool, put us on the spreadsheet, especially if that broker is getting a quote through a digital platform where we’re API-connected. Spreadsheeting is unavailable, but the shift over to API quoting is making it a lot more advantageous to carriers like Beam.”

“If brokers and general agents aren’t doing that, they are going to lose that business at some point anyway,” Weiford added. “From a broker’s due diligence, they have to spreadsheet every now and then.”

2. API-powered, fully-underwritten quoting is the new frontier.

APIs allow carriers and platforms to communicate and exchange information in real time. The technology is becoming favored for a range of benefits-related tasks, including enrollment, EOI decisions, claims, and more.

Recently, APIs have made their way to the ancillary quoting space, allowing users of platforms like MyHealthily to generate instant, underwritten quotes based on group-specific criteria. The platform submits group information via a carrier API, and the carrier’s algorithm spits out underwritten quotes, all within seconds.

“We have prioritized platforms that can connect to our APIs,” Thompson said. “Through API quoting integrations, we can ingest census data, which means we can provide custom, underwritten, real-time bindable rates to these platforms.”

3. There’s untapped potential in the small group market.

Digital quoting solutions were historically available only in the large group space, but according to Thompson, that’s beginning to change.

“That ability to deliver real-time, custom, underwritten rates through an API connection—or even via Beam’s own tools for small groups—it’s huge, it’s an underserved market,” Thompson said. “The ability to provide really sharp rates to small groups, in a way that the large group space has benefited from in the past, is a unique opportunity for our industry.”

Like Beam, Principal has designed its digital strategy to win business down market and bring modern technology to small businesses.

“Our bread and butter is in the small group space,” Weiford said. “We’re constantly having conversations with the intermediaries who are adopting these platforms, looking at what is and isn’t working, so we can be agile in trying to make things work for them and for Principal.”

4. Getting started requires gaining organizational alignment.

Custom underwriting is seen by many carrier reps as a differentiator. So, internally, how do carrier executives get buy-in and explain the value of 3rd-party quoting?

“Distribution via 3rd-party platforms is only going to get more eyeballs to your products,” Thompson said. “And that hopefully means more RFP conversions for your team. The way we position it internally, is if a broker is going to go through a platform, we will still associate a rep to those opportunities. Oftentimes, there’s still consultation that needs to happen, from the rep to the broker, to ensure the broker is positioning the product appropriately. We still plug our reps into that flow.”

Carriers, Weiford explained, can alleviate concerns among their reps by including them in conversations about third-party quoting, explaining that it will lead to more opportunities, and showing them detailed reporting. But, it might take time for total organizational buy-in.

“Adoption isn’t always there at first,” Weiford said. “When reps start seeing that they can get additional swings, then it starts getting a little bit more palpable. And then you start showing them reports, ‘hey, here’s 100 new opportunities, go win that business by working with the broker.’ Platforms are not the enemy—you’re working alongside them.”

5. The right strategy and partnerships can mitigate scalability concerns.

For third-party platforms that have ancillary quoting functionality, scaling up can be challenging. Platforms want to offer brokers lots of carriers and products, but doing so requires partnership discussions, relationship management, and technical integrations.

“We tend to be carrier-agnostic, as we want to offer a large marketplace to our brokers,” McLendon said. “But constantly vetting and integrating with carriers can take time away from our development team. We look for the carriers that are willing to adopt early — from our experience, those are the opportunities where we can grow together.”

Ideon, McLendon explained, has helped MyHealthily solve the scalability problem.

“Working with partners like Ideon, a middleware so to speak, is nice because it allows us to integrate with more carriers more quickly. That way we can take on other projects.”

For carriers, the value of working with Ideon is similar. It enables them to integrate with numerous downstream quoting platforms without building direct integrations to each system.

To watch the full webinar recording, click here. To learn more about how Ideon helps carriers and platforms grow in the ancillary quoting space, contact us and we’ll be in touch.

Six questions to ask when evaluating a provider-network data solution

Offering provider search to end users is now table stakes for healthcare navigation platforms, digital health apps, and all sorts of InsurTech companies. If a digital tool can’t deliver an intuitive experience for finding in-network doctors and hospitals—and making informed, cost-efficient healthcare choices—potential customers will look elsewhere.

What’s the one foundational element that all provider-search tools need? Provider-network data — information about doctors, hospitals, and the insurance networks they participate in. Today, rather than undertaking the herculean task of aggregating this data from various carriers and sources, tech companies can seamlessly ingest it via an API.

There are a few provider-network data solutions available in the market, but not all are created equal.

An effective solution must offer accurate, timely data and seamless integration that enables a positive end-user experience as well as money- and time-saving operational efficiencies for all stakeholders.

This means that to identify the right choice, tech companies must make some critical assessments when testing a provider-network data solution. Here are six key questions to ask (and answer) along the way.

Is the data complete?
The breadth of provider-network data can be a pivotal differentiator between a great solution and a passable one. The more complete the data—e.g., provider names, addresses, phone numbers, network IDs, languages spoken, specialties, and network tiers —the more comprehensive the results for searches will be. Robust data lets users search providers by network and/or plan, and search networks by carrier. Typical use cases include selecting a primary care provider during open enrollment, confirming that a physician referral falls within a patient’s network, and facilitating app-based scheduling of physician appointments.

Is the data accurate—and easily remedied when it isn’t?
Comprehensive data is only an edge if it’s also correct. Inaccurate data—say, regarding physician network participation, specialties, or addresses—can have a significant downstream effect, resulting in billing errors, denied claims, and the person-hours required to rectify them. A provider-network solution should also have validation capabilities and procedures to ensure that data is verified and up-to-date, not to mention meaningful measures in place to detect and reconcile discrepancies.

Is the data timely?
Even the most complete and accurate data is a bit like a fresh-baked loaf of bread: It may be delicious, but it’s going to get stale eventually. An effective provider-network solution will update data from carriers and other sources on a regular cadence, often weekly, monthly, or somewhere in between. But because each one of those carriers provides their data on their own schedule, it’s crucial that a data solution has an automated process in which it ingests, aggregates, and standardizes the data, ensuring the freshest “loaf of bread” possible.

Is the solution scalable?
Scalability should be top of mind for tech platforms seeking to aggregate data from multiple carriers — doing so without a capable provider-network data solution can be prohibitively cumbersome, requiring a separate set of integration processes for each carrier. Scalability is also critical for carriers integrating with an increasing number of benefits platforms. A scalable, flexible solution will be poised to evolve and grow along with its customers.

Does the solution have strong carrier relationships?
Established relationships with carriers is a primary differentiator for a provider-network data solution. Ideon, for example, has nearly 100 carrier relationships going back many years. We know from experience that accessing complete, timely, and accurate data is only possible when there is a relationship-based buy-in from carriers.

Is the solution secure?
Technology companies, carriers, and end users must be confident that, along with seamless and intuitive search, a provider-network data solution offers confidentiality and operational transparency when it comes to the safety and security of its network data. No product evaluation would be complete without asking: What data governance, encryption, and recovery measures are in place? What was the result of the most recent SOC 2 audit?

***

The process of testing a provider-network data solution can be intense, with limited time to make a decision that will shape an organization’s ability to meet customer and end-user expectations for years. These six questions will help product leaders and data strategy decision-makers to choose the best solution for their needs, leaving more time for cost-benefit analysis and other evaluation. Interested in learning about Ideon’s provider-network API? Contact us here.

How BenAdmin platforms turn carrier connectivity into a competitive advantage

Benefits administration platforms’ (BenAdmins) sales, operations, and product teams have a ton to think about these days: 

  • How do we become a year-round benefits destination for employees? 
  • How do we take advantage of the growing popularity of voluntary benefits? 
  • How do we ensure our employee experience is a competitive differentiator?

One topic that is all too often overlooked: carrier connectivity. On one hand, carrier connectivity has become table stakes — after all, doesn’t every BenAdmin platform communicate enrollments and member changes to carriers digitally, mostly via EDI feeds?

Yes, but leading BenAdmins view carrier connectivity as much more than a technical requirement: done correctly, it’s a competitive advantage, enabling scalability, efficient operations, and a fast, accurate enrollment experience.

In the benefits industry, “fast” and “scalable” are rarely used to describe group setup and implementation. We know from speaking with our customers that it takes most BenAdmins 8-12 weeks — and often longer — to build typical BenAdmin-to-carrier EDI feeds. But that’s all changing now. We’ve seen several platforms reduce their group setup timeline to as few as five days. 

The obvious question: How are BenAdmins reducing group setup to days, instead of months?

The answer lies in a new way of managing carrier connections, a strategic decision to partner with companies that specialize in exchanging enrollment data between BenAdmins and carriers. 

The results for BenAdmins speak for themselves:

  • Group setup completed in five days
  • The ability to send enrollment data in a consistent format
  • Elimination of several manual steps that typically prolong EDI implementation

Our new infographic compares, side-by-side, this enhanced carrier connectivity strategy vs. traditional EDI setup. Fast, accurate, and scalable — it’s a new world of connectivity without complexity. Download the infographic to learn more.

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Error management with Ideon, Part 2: Auto-reconciliation

By Jashan Ahuja
Group Product Manager – Enrollment

In Part 1 of our error management blog series, we explored Ideon’s ability to process errors in a centralized and consistent way. Now, in Part 2, we delve into our industry-leading auto-reconciliation feature, which proactively identifies discrepancies between platform and carrier systems.

It’s a scenario all too common in the group benefits industry: a benefits administration (BenAdmin) platform sends enrollment data to a carrier via an EDI file and waits a week or more — with no visibility into whether the information was accepted — only to receive back an unreadable report of errors and discrepancies.

Now imagine a world with lightning-fast data exchange, two-way communication, and seamless reconciliation between platforms and carriers. The platform would receive a notification within minutes that lists all discrepancies between the two systems.

Ideon’s automatic reconciliation system makes the above not only possible, but easy to implement and scalable across carriers. It’s an industry-first feature that offers the capability of proactive data reconciliation between the platform and carrier systems.

In our prior blog, we explored Ideon’s ability to standardize and expose errors generated by carrier systems, transforming them into a consistent, human-readable, and actionable format. That crucial feature forms the foundation for closing the feedback loop with carriers. But Ideon doesn’t stop there. In this blog, we examine auto-reconciliation, a revolutionary process that identifies and surfaces discrepancies in near real-time, even before the data has been sent to the carrier

What is auto-reconciliation?

Auto-reconciliation is an essential component of Ideon’s data exchange process, significantly streamlining the enrollment workflow for carriers and benefits platforms alike. This innovative process flags discrepancies before data reaches the carrier’s system, dramatically reducing downstream errors that could otherwise wreak havoc on carrier operations—and members.

Here’s how it works: Ideon’s reconciliation engine proactively pulls all member and coverage information for a group from the carrier, converts it to our data model, and compares it to the platform data on a field-by-field basis.

The comparison encompasses 18 data points, also known as “discrepancy parameters,” including demographic data (e.g., birth date, SSN), coverage details (e.g., plan start date, plan volume), or even the existence of a member or their coverage in one system but not the other. We’re able to specify the source of any discrepancies for our partners and provide both platform and carrier values, creating a clear, actionable pathway to resolution.

Consider the example below, where a carrier’s system contains a different birth date compared to the one entered on the benefits platform. Without validation, this discrepancy would inevitably lead to errors for this subscriber. However, by matching the carrier’s existing information with the enrollment record, Ideon can promptly detect the discrepancy and return the record to the platform for correction.

"errors": [
    {
      "id": "a37ecd06-5d97-46e4-9b4e-dcde6a03246f",
      "member_id": "a37ecd06-5d97-46e4-9b4e-dcde6a03246f",
      "plan_id": "a37ecd06-5d97-46e4-9b4e-dcde6a03246f",
      "coverage_period_id": "a37ecd06-5d97-46e4-9b4e-dcde6a03246f",
      "discrepancy": {
        "parameter": "birth date",
        "carrier": "1/1/93",
        "platform": "2/1/93"
      }
    ]

 

During our processing, we reconcile 18 different critical fields, as well as verify the presence of the member in the carrier’s database. 

Annual earnings

Birth date

Coverage

Dependent

Employment end date

Employment start date

Employment status

Gender 

Marital status

Plan ID

Plan end date

Plan start date

Plan volume

Primary care provider

Residential address

Social security number

Subscriber

Wage frequency

 

Additional features

Ideon’s auto-reconciliation system boasts several features for fast, accurate data exchange, smooth operations, and an enhanced member experience.

Deduplication

Automatic reconciliation operates daily, comparing new discrepancies against open ones from the previous run and resolving any that are no longer relevant. This keeps carrier and platform systems in sync with current data and ensures the list of open discrepancies is directly relevant.

Frequency + Timing

Automatic Reconciliation runs as frequently as daily for carriers supporting an API-based, automatic census retrieval. Resolved discrepancies are closed every morning, while newly identified ones are opened.

We are currently expanding our auto-reconciliation functionality with carrier partners that don’t yet support a daily census.

As part of our reconciliation process, we carefully consider the timing of data in and out of our system. When our system receives a data element that hasn’t been sent to the carrier yet, our reconciliation logic takes this into account by comparing the carrier’s data with the previous version of that data field. Once the field is transmitted to the carrier, it is incorporated into the next reconciliation cycle, with a buffer for carrier processing time. This thoughtful approach prevents noise, such as unwarranted and erroneous discrepancies.

Surfacing Discrepancies

All actionable enrollment discrepancies—originating from either auto-reconciliation or carrier error reports—are returned in a consistent, normalized format. Partners can access this information through:

      • direct GET requests via our API endpoints
      • proactive push notifications using webhooks, or
      • our standardized Enrollment Discrepancies CSV, delivered periodically

By centralizing Enrollment Discrepancies, we enable a more efficient and streamlined operational process, allowing benefits platforms to view errors generated by carriers and the results of auto-reconciliation all in one place.


Impact

Leveraging our unique, central position between platform and carrier systems, we have quantified the volume of out-of-sync data. After analyzing data from hundreds of groups and thousands of members, we found that about 8% of employee enrollments have a critical coverage issue, i.e. incorrect coverage dates, plan information, or birth date, or they’re missing entirely from either the carrier or platform system. For one specific platform-carrier combination, we saw 10.3% of subscribers with at least one error that affects enrollment accuracy. Additionally, 80% of groups with more than 20 subscribers had one or more critical errors.

Overall, proactively identifying coverage-affecting errors is critical for reducing inaccurate enrollments and downstream issues. Automatic reconciliation allows groups to detect and resolve discrepancies before the initial transmission to the carrier. This improves success rates for the initial transition of groups into production and allows for faster, more accurate group setups, ultimately resulting in a better member experience.

Coming soon – Part 3: Account structure consolidation and mapping

Enrolling members in the correct plans with the correct carriers all starts with precise, streamlined setup processes. In the next blog in this series, we’ll detail how Ideon enhances a platform’s mapping capabilities, making it easier to configure complex group setups when employers have multiple plans, classes, and divisions.