Level Funded

Quote a group for level funded medical health plans

Ideon's Group Quoting APIs support integrations to quote Level Funded plans directly through Carrier APIs, in real-time. Currently, UHC, Optimyl Benefits, and Angle Health are supported; group size restrictions vary by carrier and state. Angle offers automated underwriting through their API while UHC and Optimyl quote non-underwritten illustrative rates (also referred to as shelf rates). For all supported carriers, approval is required to quote; reach out to your Ideon Customer Success Manager for approval process details.

Core Integration

The core integration for LF Quoting is identical to Small Group Fully-Insured Medical. The integration guide for Level Funded is a supplement to that section, providing additional context and recommendations specific to Level Funded quoting.

To cache and quote Level Funded plans, simply update the market parameter to level_funded in the Plans Bulk Export and Quote a Group steps of the group quoting workflow. The same group and census can be used to quote across markets. Further census data requirements and rate presentation details are carrier-specific in the Level Funded market. Please refer to each supported carrier's section below for any additional context and requirements to quote their plans.

• UnitedHealthcare

• Angle Health

• Optimyl Benefits

Monitor Quote Progress

Per-carrier quote progress is available through the Show a Quote endpoint's carrier_results array, documented in the Monitor Quote Progress section. For Level Funded carriers, the carrier_results[].status field also supports an additional, carrier-specific status:

• manual_review - currently used for Angle Health, indicates that automated underwriting was unsuccessful and the quote has been flagged for manual review. More information on Angle's quoting processes can be found in the carrier's section.

A carrier_results[].status of complete or complete_with_errors indicates the quote for the carrier is complete, either having been successfully quoted or completed with one or more plans flagged with quote_exceptions.

Additional General Notes

• For Level Funded quotes, the v9 Display Rates endpoint will include a rate_type parameter for each quoted plan. The valid options for this enum are illustrative and underwritten.

• When filtering carriers to quote using the carrier_ids parameter in the Create a Quote endpoint (API docs) request, the Ideon Issuer Internal ID must be used for Level Funded quoting. These are referenced on each carrier's child page in this section and are formatted as "110004", for example.

Previous Endpoint Versions

Show a Quote - v8

In the Show Quote endpoint response, issuer-specific statuses are returned in the quote_progress array for each quoted carrier. This array returns a list of objects with an issuer_id and status field, representing the quoting status for each carrier individually. The status field enum supports three statuses:

• pending - the default initial status, indicates that the requests to the carrier's API for real-time quoting have been made and Ideon's API is waiting for a response.

• manual_review - currently used for Angle Health, indicates that automated underwriting was unsuccessful and the quote has been flagged for manual review. More information on Angle's quoting processes can be found in the carrier's section.

• completed - indicates the quote for the carrier is complete, either having been successfully quoted or completed with errors as returned in the limiting factors endpoint.