Carrier Wash Rules
Carrier wash rules are optional details added to a plan used to determine if premiums are charged by the carrier for months with partial enrollment coverage. Employee Navigator uses default carrier wash rules of the 15th. When a new hire’s coverage effective date is on or before the 15th of a given month, the calculation includes premium for the entire month. As for terminations, if the employee’s coverage end date is on or before the 15th, then a premium is excluded from the calculation. You may fine tune the calculations by adding the carrier wash rules on the plan set-up area for each plan.
Carrier wash rules are used on the bill reconciliation report, W-2 reporting, and when using the advanced payroll deduction tracking.
Wash rules are configured on the plan level, from the enrollment tab, and then the Wash Rules sub-tab.
Carrier Wash Rules Add: Enter the date used by the carrier to determine if premium is due for the month. Coverage with an effective date on or before the date entered will be considered billable for the month. If unset, Employee Navigator assumes 15th.
Carrier Wash Rules Terminate: Enter the date used by the carrier to determine if premium is due for the month. If the employee’s coverage end date is on or before the date entered, then a premium is not considered billable for the month. If unset, Employee Navigator assumes 15th.
Carrier Wash Rules Change: If an employee switches plans/coverage levels mid-month, how will they be charged?
- Ex: If an employee added a spouse effective 11/8 and the change wash rule is 11/15. This means the employee would owe the EE+ Spouse rate for the entire month of November. (the system defaults to the 15th).