Key Concepts & Definitions

Data accuracy is paramount for CPQ. Zywave's Carrier Data team goes through a series of rigorous quality checks on all the carrier data we publish to our quoting system.

• The data goes through a curation process to get it into a standardized format and an initial quality check is done before loading into our system.
• Next, data is loaded into our staging system where a 2nd quality check is done. We compare against previous quarter’s rates to see the percent increase/decrease for each plan. Any outlier that is not a typical 1-3% increase is escalated, which triggers additional testing or contacting the carrier for confirmation of discrepancy.
• A 3rd quality check is then done via an automated line by line check against our master rate file.
• Finally, a 4th check is done in production to ensure data accuracy. Additionally, we do a composite rating test against our list of known composite factors for each state/carrier to ensure those calculations are accurate.
• For any dataset that we release from a 3rd party, we attempt to verify against a carrier-generated quote to ensure accuracy.

Visit our [Small Group Carrier Map](https://www.zywave.com/small-group-rates/) which includes a list of carriers and lines of coverage by state, as well as other details regarding the data source and where the Carrier Data team is in the data curation process.

Zywave defines a coverage group as the plan offering. This is an identifier, like High Deductible or Gold plan, that makes it easy for you to identify employees by plan assignment in the quote. The premium for each plan in a quote is based on the members assigned to a specific coverage group.

For example, an employer has 3 medical plan offerings employees can choose from. Half the employees are currently enrolled in Offering A, a quarter in Offering B, and the remaining in Offering C. Your census should define which of these each member is enrolled in: Offering A, Offering B or Offering C.

Coverage groups can be named in any way that will make it easy for the end user to identify the group of employees by assignment. This could be the current plan name or a plan attribute, like HMO or Gold plan. If all employees are enrolled in the same plan you would name the coverage group Medical, Dental, or Vision. If an employee has waived coverage, their coverage group is defined as Waived.