Angle Health

Details and requirements specific to Angle Health Level Funded quoting

Overview

Subject	Detail
Ideon's Internal Issuer ID	110004
Quoted Rates Policy	Underwritten
Available States	48 Total: all states (including DC) except NY, MA, and CA
Plan Inventory	Angle offers a single set of 19 plans across all supported states.
Quote Effective Date Restrictions	Quoting through Angle's API is intended for future effective dates only (the 1st of each month). While past effective date quoting is not strictly disabled, it is not actively supported.
Additional Notes	Angle requires a minimum of 5 total members for each group to be eligible. Additional group size restrictions can apply based on the group's primary location state.

Quoting Details

Quote Processing

Angle supports automated underwritten rates for level funded quotes; the expectation is that most groups are eligible to be quoted through this process. Groups can also be flagged for manual review, signifying that the underwriting team will review prior to quoting. This manual review process typically takes a couple of additional business days. Like other carriers, quotes for Angle will either result in premiums returned for plans or a limiting factor - for Angle, the latter can be a result of group/census validations, API errors, or a decline to quote returned by Angle's API.

The Quote Progress section details how Ideon's API reflects quote states while working through Angle's quoting workflow. Given the possibility of a group's quote progressing through manual review cycles, we recommend implementing Angle-specific polling logic when using Ideon's Show Quote endpoint (GET /quotes/{quote_id}). If other Level Funded carriers are also being quoted, initial polling until quote_progress shows those carriers are completed can be more frequent.

• Create a Level Funded Quote in Ideon's API and poll the Show Quote endpoint using the below guidelines. Once a completed status is returned, stop polling and pull rates and limiting factors.

• Poll Show Quote every 15 seconds for the first minute.

• Poll Show Quote every 30 seconds after the first minute.

• If after 10 minutes the quote_progress status for Angle is still pending, then it's likely impacted by a technical issue (a rare and unexpected scenario). In these cases, polling can continue on an infrequent cadence but the quote will typically need to be ret-riggered or escalated.

• If the quote_progress status for Angle is returned as manual_review, then continue to poll 3-4 times per day. Manual review processes are expected to take a couple of business days.

• Ideon times out quotes after 5 business days, at which point the quote_progress status will show as completed.

More information regarding expected processing times for various quote states coming soon.

Required Group and Census Data

In addition to the standard quoting requirements in Ideon's API for group and census data, Angle requires names of individuals in the census and the broker's email to quote. While it is possible to successfully create a group and add a census in Ideon's API without this information, level funded quotes for Angle plans without it will return a limiting factor.

• First and Last Name - each individual on the census (members and dependents) must include a first and last name. These should be passed in the /groups/{group_id}/members endpoint, in the first_name and last_name fields.

• Broker Email - Angle requires the broker's email to be included when quoting. Ideon uses the value passed in the /groups endpoint contact_email field to satisfy this requirement.

Testing Angle Level Funded Integrations

Testing and development for Angle Level Funded integrations should always be done with your Ideon Staging or Sandbox API keys. Usage of these keys in Ideon's API enforces routing of requests to Angle's test environment, which supports a broader set of testing use cases.

The following strings can be added to the Group's company_name in order to force various Angle quoting statuses.

• "desired_status=quoted" - premiums will be quoted for Angle plans and returned in Ideon's Retrieve Rates response.

• "desired_status=need_review" - the quote will be left in a manual review status in Angle's API. This will result in Ideon's API surfacing a manual_review status in the Show Quote's quote_progress field. Note that quotes will remain in the manual review status in Angle's API and ultimately time out after 5 business days. If required, Angle can force different status outcomes for open quotes during testing.

• "desired_status=dtq" - plans will not be quoted by Angle and a carrier_api_error limiting factor will be returned by Ideon's Retrieve Limiting Factors response.

Supplemental Group Data

Angle's rating APIs support supplemental data on the current medical coverages of the group to deliver more competitive quotes. Providing this data for any given group is optional. Supplemental data can be managed through the "Group Supplemental Data" endpoints (API Docs) in Ideon's API. Currently, the fields available for supplemental group data mirror what Angle's API supports. The exception to this is plan_hios_id, which is not currently utilized. This can be defaulted to any string if unknown.

Angle's API enforces additional validations on the supplemental data associated with a group. If any of the validation criteria are flagged for the group's supplemental data, then that data will not be used during the rating process. The quote will still continue processing and return premiums, assuming the group does not result in a decline to quote. As of the time of writing, the following validations are enforced in Angle's API. The field names shown reflect Ideon's API schema.

• Plan Coinsurance plan_coinsurance must be less than or equal to 50%

• Current and renewal rates rates have a minimum and maximum monthly premium range, dependent on the tier

  • single $200 - $2,000

  • single_and_spouse $420 - $4,200

  • single_and_child $380 - $3,800

  • family $620 - $6,200

• The individual medical maximum out-of-pocket amount individual_medical_moop must be between $0 and $9,100