12.01 Package Rules

Last updated on May 13, 2026
  1. Current and Renewal Package Rules
    1. Only quoting a current package is not allowed.
    2. At least one package must use the Quote Effective date entered in Quote Details.
    3. Can be wrapped or sliced with any carrier eligible for the Wrap package.
    4. There is a minimum and maximum number of plans for selection.
    5. Package rules are not being enforced.
      1. Selected plans can be associated to different carrier packages.
    6. When there is an Out-of-State or Out-of-Area employee, a plan must be chosen that covers the employee.
    7. Selected plans can be associated with multiple carrier packages.
    8. Contribution rules apply to employees only.
  2. New (Comparable) Package Rules
    1. A New (Comparable) Package is governed by the carrier rules in Plan Maintenance.
      1. Eligibility (e.g., group size, out-of-scope inclusions, maximum out-of-scope, SIC codes)
      2. Rating (e.g., rate by employer zip code, calculate new hire age as of the member’s effective date)
      3. Wrap (carriers that can be wrapped with the primary – first selected – carrier)
      4. Package Rules (e.g., group size, minimum/maximum plans allowed, contribution)
        1. Selected plans must be associated to the same carrier package.
    2. Dental Comparable packages may be governed by the following carrier rules in Plan Maintenance:
      1. Min # of EEs required for PPO
      2. Min # of EEs required for HMO
      3. Max # of HMO plans allowed
      4. Max # of PPO plans allowed
  3. Contribution Rules
    1. The rules for contributions are relevant only for employees.