Small Group Medical

Quote a small group for fully insured medical health plans

Ideon's Small Group Quoting APIs deliver all available plans, their associated benefits, and premiums for a small employer, typically defined as under 50 lives, but increasing to under 100 in some states. By default, all available plans available to the group are returned for a quote. In our documentation and Postman Collections, this will commonly be referred to as "SG Medical Quoting", where "SG" is the abbreviation for "Small Group."

Integration Summary

The core integration for SG Medical Quoting supports delivering available plans, their associated benefits, and premiums for a small employer. The workflow to quote a group through Ideon's API is best completed with a combination of a batch process at a regular cadence for plan benefit data and a 5-step call flow to quote groups in real-time.

The pages in this section detail sample requests and notes on endpoint requirements specific to small group, fully insured medical quoting. In general, these products have the least stringent requirements across group product lines. Further requirements for level funded and ancillary quoting flows are covered in their respective sections.

Cache Plan Benefits

Small Group Quotes return plan availability and premiums, but do not include full plan benefits or metadata in the response. To display complete plan details to end users, cache Ideon's full inventory of health plans and their associated benefits on a daily or weekly cadence. This enables a seamless real-time experience when presenting quoted plans. A guide to caching plan benefit inventory is detailed in the Bulk Exports section, and an overview of the benefit grammar and schema can be found in the Medical Benefit Grammar Guide section.

Quote Groups in Real Time

1. Create a Group - create a resource for a single group that serves as a basis for census data and quote creation.

2. Add a Census - associate a census of employees and their dependents to a group.

3. Quote a Group - quote a group for coverage for a product line and market.

4. Retrieve Rates - poll for quote complete status and access premiums for quoted plans.

5. Plan Eligibility and Quote Errors - view errors related to eligibility or quote processing for a quote.