Auditing Health Plan Premium Billing Statements/Carrier Enrollment Rosters - Bim Group

Auditing Health Plan Premium Billing Statements/Carrier Enrollment Rosters

It is extremely important that group administrators audit their health plan premium billing statements or carrier online eligibility rosters as frequently as possible.  Carriers are contractually obligated to retroactively terminate or add eligible members only within a certain timeframe.  Timeframes may vary but typically carriers will allow retroactive enrollment within 31 days of the date first eligible and will terminate up to 60 days retroactive to the intended date of termination.

Recent legislation contained in the Affordable Care Act will make it less likely that health insurance carriers will be willing to approve retroactive termination or enrollment exceptions.

Team BIM recommends that group administrators track their monthly new enrollments and terminations requested of the carrier and create a system in which they validate on the next premium billing that these transactions have been processed and the billing is correct.  Checking eligibility every other month will help to ensure that the group avoids situations in which ineligible employees remain on the premium billing and that eligible employees do not go without coverage.

Although it is imperative that group administrators have a system in place to audit their enrollment changes frequently, we also recommend a full eligibility audit of a group’s premium bill or carrier enrollment roster on a quarterly basis if possible.

If you need assistance on recommended methods of auditing eligibility, please contact your Team BIM Client Service Manager.

Recent Insights

November 5, 2026
News

DOL Clarifies MHPAEA Enforcement Priorities

The U.S. Department of Labor (DOL) has provided employers and group health plans with a clearer picture of how it intends to enforce the Mental Health Parity and Addiction Equity Act (MHPAEA). The DOL issued Field Assistance Bulletin 2026-03, outlining its current enforcement approach to the MHPAEA’s requirements for non-quantitative treatment limitations (NQTLs). At the same […]
Read more
October 15, 2026
News

Compliance Advisor | Agencies Issue Transparency in Coverage Final Rules

On October 5, 2026, the Department of Health and Human Services (through the Centers for Medicare & Medicaid Services), in partnership with the Departments of Labor and the Department of the Treasury (collectively, the “Agencies”) jointly finalized changes to the Transparency in Coverage (TiC) regulations issued in December 2025 (“Final Rules”). The Final Rules impact […]
Read more
October 5, 2026
News

Building a Benefits Strategy for Financial Resilience

Financial wellbeing benefits have traditionally centered on a long-term goal: retirement. But employees’ financial lives don’t begin at retirement. Many are balancing immediate priorities, including healthcare expenses, debt, emergency savings, and everyday living costs. PwC’s 2026 Employee Financial Wellness Survey found that 59% of employees were currently stressed about their finances. For many employees, the immediate concern […]
Read more
October 5, 2026
News

New Guidance Regarding Health-Contingent Wellness Programs

The Departments of Labor (DOL), Health and Human Services (HHS), and the Treasury (collectively, the Departments) issued new FAQs addressing health-contingent wellness programs, including programs that impose tobacco-related premium surcharges. The guidance provides important enforcement relief concerning when a wellness reward must be provided after an individual completes a reasonable alternative standard. Health-contingent wellness programs […]
Read more