hcentive webinsure consumer

hCentive WebInsure ConsumerSales Portal Product for Individual and Family Health Insurance

Cent ivehTechnology Solutions to Simplify Healthcare

This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed-in whole or in part—for any purpose other than to evaluate hCentive products or services. This document contains con�dential and proprietary information speci�c to hCentive, Inc.


Table of Contents

Overview 3

Features 3

Technology 8

Contact Information 11

This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any purpose other than to evaluate hCentive products or services. This document contains con�dential and proprietary information speci�c to hCentive, Inc.


Features

Overview

FUNCTIONAL MODULES

hCentive's WebInsure Consumer is the perfect solution for insurers looking for a proactive approach towards web based insurance solutions. WebInsure Consumer simpli�es the implementation of the complex health reforms and o�ers a cost-e�ective and highly tailored solution for insurers looking to leverage retail-focussed opportunities arising in the industry.

The system is divided into 3 portals directed at three di�erent class of users:

Consumer Portal (C) – directed at end consumer buyers

Broker Portal (B)– directed at brokers selling to end buyers

Administration Portal (A)– directed at internal carrier team

Each portal then provides speci�c functionality as described below. The functionality described

is available today except when speci�cally mentioned:

This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any purpose other than to evaluate hCentive products or services. This document contains con�dential and proprietary information speci�c to hCentive, Inc. 3



Feature

Quoting and Rating

Cross-sell / Up-sell

Details

Landing Pages. Intake consumer information and use it to provide a quote for all products the customer is eligible forQuote View. Dynamically modify viewed products in a tabular format with options to sort and �lter the product list on a variety of customizable criteria including price, deductible, co-pay, co-insurance or any other product bene�t or meta-data\Discounts. Provide discounts based on family size or other attributes of the census information.Save Quote. Consumer can save the quotes and revisit them later.Product Search. Ability for customer to �nd products based on selected parameters (bene�t / coverage options, limits etc)

Ability to recommend one or more products based on incoming campaign or inferred demographic

Product Details Product Page. Dynamically generated pages to show high-level and detailed information about each product soldProduct Bene�ts. Dynamically display list of bene�ts available with the productProduct Comparison. Support product comparison functionality that allows consumers to compare multi-ple products across multiple product attributes.PDF Download. Ability to download the documents attached to the product in PDF format

Online Application Presentation eApp Creation. Present an electronic version of the Premera application form as published for that market.Intuitive online application with dynamic medical questions with drill-down questions.Support for state-speci�c applicationsPre-�ll certain information if known about the applicant (mostly valid for renewals)Validate that the information submitted is completeValidate information for format errors (e.g. phone numbers, SSN etc)Mask sensitive information

4



Feature

Online Application Save

Online Application Submission

Details

eApp Save. Ability to gather and store all the data elements in the applicationeApp Restore. Save an un�nished eApp in a secure environment and ability to continue it later (possible after a few days)eApp Download. Ability to download a �nished or un�nished application in a PDF format with all the �lled information preserved.

Assign a unique identi�er to each application for trackingSubmit application to the backend underwriting systemAttach a time of submission with each application

Electronic Signatures Meet the requirements of electronic signature laws for signature creation, storage and retrival

Payment Processing Ability to process payment from ACH, Credit Card and Paypal.Separate payment options for initial and ongoing paymentsAbility to change payment preferences

Application Status Track the current status of application by end-consumer, broker and CSR.Ability to generate standard and customized messages (accepted, declined, need more info etc)Real-time status

Broker Quoting See complex quotes quickly Filter and sort through the quotesCreate a proposal from the quotes displayed and send it to a consumerRate-up or Rate-down a quote

Noti�cations Notify application status and changes to consumers and brokers including acceptance and rejectionSupport periodic reminders to consumers on brokers for renewals, application drop-o� etcNotify broker on speci�c events like opening of broker proposal, start of eapp etcCustomize and con�gure the list of noti�cation for each brokerSupport multiple channels including text messages and email.

5



Feature

Broker CRM

Broker Proposal Management

Details

Add and manage list of clients of the brokerAttach a client to a lead sourceStore client information for reuseSend emails to the client Send proposals to the client Track client status Collaborate with clients to help them submit the application

Ability for brokers to send out a proposal to their customersAbility to track the status of the proposalAuto-attach speci�c documents to the proposalGet noti�cations on when proposals are opened, viewed and applications startedView applications submitted against the proposal

Account Management Login and LogoutPro�le ManagementChange Password

Policy Renewals Renew a policy on a yearly basisSend noti�cation for renewals

Policy Documents Download policy documents from the portal including card

Integration with Billing system to showcase the latest bill to the end user Collect premiums on the amount shown in the billAbility to reach out to support or report any errors in the billChange payment preference including mode of payment, frequency and address.

Policy Updates

Bill Presentation

Ability for the end consumer to update policy due to changes in life status Adding another member to the policyRemoving a member from the policyChange AddressChange bene�ts

6



Feature

Customer Support

Plan and Bene�t Updates

Details

Live Chat. Ability for customers to talk to chat representativeClick-to-call. Ability for the customers to call a customer representative from the browserCall-back. Ability for the customers to ask for call back on a provided number.Tracking. CSRs can view the page URL the customers are on.

Ability for business users to update bene�t information of planAbility to update rating information and other plan documentsPreview changes madeAssign an “e�ective date” for each update

User Management Add and manage administrative users and assign roles and permissions to themAdd and manage brokers and assign geography and hierarchy to themAdd and manage CSR representatives.

CSR UI CSR can go and enter a new application (useful for processing application on phone)Shift management for CSR

Web Analytics Send information to web marketing and generic marketing toolsLink web activity with speci�c campaigns

Campaign Management Support Create trackable links for speci�c campaigns.Post links to social media websitsCreate banners and links for google ads and other such initiatives

Reporting Reports on system usage including users, application, submissions, rejections and status updatesReports on broker logins and activityReports on changes done by administrative usersAlerts on spikes or decrease in volumes

7

Technology

BROWSER COMPATIBILITY

INTEGRATION ENDPOINTS

ARCHITECTURE

Internet Explorer(version 7.0 +)

Firefox(version 3.5 +)

Chrome(version 10+)

Apple Safari(version 4.0+)


This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any

hCentive, Inc.

hCentive will provide integration with following systems of Premera:

Windows XP

Windows Vista

Windows 7

Mac OSX 10.5 (“Leopard”)

Mac OSX 10.6 (“Snow Leopard”)

Mac OSX 10.7 (“Lion”)

Supported Supported Supported Supported



Supported Supported Supported



Underwriting System: Application Submission and Status UpdatesBroker Management System: Broker ManagementArchiving: Long term storage of submitted apps and other dataBilling: Bill Presentation and Update of payments

8

TECHNOLOGY STACK



Operating System Linux (Ubuntu, Amazon Linux)

Sun JDK 1.6

Tomcat 6.0.29

MySql 5.1.41

Spring Framework

Hibernate

JDK

Application Server

Database

DI/AOP

ORM

EhCache

Drools

Caching

Rules Engine

Our solution is based on best design principles, keeping in mind the scalability, extensibility and interoperability of the application. Following are some of the key design principles used in our product:

Service Oriented Event Driven Loosely Coupled Able to support assembly and integration Able to leverage existing applications and infrastructure

Struts2, SpringMVC Web Framework

Messaging Services

Spring Security

Quartz

Security

Scheduler

Subversion

Maven

SCM

Build

Eclipse

Crystal Reports or COGNOS

Development IDE

Reporting

Component Software Used

9

HOSTING



The system will be hosted on Amazon Web Service (AWS) infrastructure. The system will be completely isolated from any other system managed by hCentive, Inc. and will not share any resources (except the outer �rewall and load balancer) residing in its own Virtual Private Cloud (VPC) with its own access policies.

These resources will include application servers, database servers, load balancers, monitoring servers, queuing services, mailing services and storage volumes. Database servers will be replicated across multiple availability zones. Disk volumes of these database servers are encrypted to secure data in storage. To secure data over-the-wire, SSL Tunnels are established between application & database servers.Our uptime commitment is 99.9%, with minimal scheduled maintenance. Our hosting includes management of all upgrades, hardware, and third-party software on your behalf, as well as 24/7 monitoring of the application.

App Server-1 App Server-2

Your Site

Amazon EC2

Daily Snapshots1/day

Rolling Snapshots10 min intervals

EBSVoI

MasterDB

replication

Amazon S3

172.168.7.31 172.168.8.62

Load Balancer-1 Load Balancer-2

MasterDB EBS

VoI

10



11

Corporate HeadquartershCentive, Inc.12355 Sunrise Valley Drive,Suite 630, Reston, Virginia 20191

Contact UsPhone: 800-984-7952

Sales: [email protected]

Support: [email protected]

Partnerships: [email protected]

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Contact Information