Carrier Effective Date Logic

Carriers have different effective date logic for ICHRAs.

Carrier Name
Logic

Cigna

Coverage will start on the first of the following month from today.

Ambetter

Coverage will start on the first of the following month from today.

BCBS IL

Coverage will start on the first of the following month from today.

BCBS TX

Coverage will start on the first of the following month from today.

BCBS MT

Coverage will start on the first of the following month from today.

BCBS NM

Coverage will start on the first of the following month from today.

BCBS OK

Coverage will start on the first of the following month from today.

UHC

Coverage will start on the first of the following month from today.

Rocky Mountain Health Plans

Coverage will start on the first of the following month from today.

Molina

Coverage will start on the first of the following month from today.

BlueKC

N/A

BCBS AZ

Coverage will start on the first of the following month from today.

BCBS SC

  • If today is before QLE

    • 1st of the month following the event

    • If QLE is on the 1st of the month, effective date is QLE

  • If today is equal to or after QLE, 1st of month following today

Oscar

Coverage will start on the first of the following month from today.

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