hCen ti v e

Technology Solutions to Simplify Healthcare

hCentive WebInsure Consumer

Sales Portal Product for Individual and Family Health Insurance

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hC ent iv e

Technology Solutions to Simplify Healthcare

Table of Contents
Overview 3

Features Technology Contact Information

3 8 11

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Overview

Technology Solutions to Simplify Healthcare

hCentive's WebInsure Consumer is the perfect solution for insurers looking for a proactive approach towards web based insurance solutions. WebInsure Consumer simplifies the implementation of the complex health reforms and offers a cost-effective and highly tailored solution for insurers looking to leverage retail-focussed opportunities arising in the industry.

Features
FUNCTIONAL MODULES
The system is divided into 3 portals directed at three different 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 specific functionality as described below. The functionality described is available today except when specifically mentioned:

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Feature Details

Technology Solutions to Simplify Healthcare

Quoting and Rating

Landing Pages. Intake consumer information and use it to provide a quote for all products the customer is eligible for Quote View. Dynamically modify viewed products in a tabular format with options to sort and filter the product list on a variety of customizable criteria including price, deductible, co-pay, co-insurance or any other product benefit 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 find products based on selected parameters (benefit / coverage options, limits etc) Ability to recommend one or more products based on incoming campaign or inferred demographic Product Page. Dynamically generated pages to show high-level and detailed information about each product sold Product Benefits. Dynamically display list of benefits available with the product Product Comparison. Support product comparison functionality that allows consumers to compare multiple products across multiple product attributes. PDF Download. Ability to download the documents attached to the product in PDF format 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-specific applications Pre-fill certain information if known about the applicant (mostly valid for renewals) Validate that the information submitted is complete Validate information for format errors (e.g. phone numbers, SSN etc) Mask sensitive information

Cross-sell / Up-sell

Product Details

Online Application Presentation

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Feature Details

Technology Solutions to Simplify Healthcare

Online Application Save

eApp Save. Ability to gather and store all the data elements in the application eApp Restore. Save an unfinished eApp in a secure environment and ability to continue it later (possible after a few days) eApp Download. Ability to download a finished or unfinished application in a PDF format with all the filled information preserved. Assign a unique identifier to each application for tracking Submit application to the backend underwriting system Attach a time of submission with each application Ability to process payment from ACH, Credit Card and Paypal. Separate payment options for initial and ongoing payments Ability to change payment preferences Meet the requirements of electronic signature laws for signature creation, storage and retrival 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 Notify application status and changes to consumers and brokers including acceptance and rejection Support periodic reminders to consumers on brokers for renewals, application drop-off etc Notify broker on specific events like opening of broker proposal, start of eapp etc Customize and configure the list of notification for each broker Support multiple channels including text messages and email. See complex quotes quickly Filter and sort through the quotes Create a proposal from the quotes displayed and send it to a consumer Rate-up or Rate-down a quote

Online Application Submission

Payment Processing

Electronic Signatures

Application Status

Notifications

Broker Quoting

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Feature Details

Technology Solutions to Simplify Healthcare

Broker CRM

Add and manage list of clients of the broker Attach a client to a lead source Store client information for reuse Send 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 customers Ability to track the status of the proposal Auto-attach specific documents to the proposal Get notifications on when proposals are opened, viewed and applications started View applications submitted against the proposal Login and Logout Profile Management Change Password Renew a policy on a yearly basis Send notification for renewals Ability for the end consumer to update policy due to changes in life status Adding another member to the policy Removing a member from the policy Change Address Change benefits 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 bill Ability to reach out to support or report any errors in the bill Change payment preference including mode of payment, frequency and address.

Broker Proposal Management

Account Management

Policy Renewals

Policy Updates

Policy Documents

Bill Presentation

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Feature Details

Technology Solutions to Simplify Healthcare

Customer Support

Live Chat. Ability for customers to talk to chat representative Click-to-call. Ability for the customers to call a customer representative from the browser Call-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 benefit information of plan Ability to update rating information and other plan documents Preview changes made Assign an effective date for each update Add and manage administrative users and assign roles and permissions to them Add and manage brokers and assign geography and hierarchy to them Add and manage CSR representatives. CSR can go and enter a new application (useful for processing application on phone) Shift management for CSR Send information to web marketing and generic marketing tools Link web activity with specific campaigns Create trackable links for specific campaigns. Post links to social media websits Create banners and links for google ads and other such initiatives Reports on system usage including users, application, submissions, rejections and status updates Reports on broker logins and activity Reports on changes done by administrative users Alerts on spikes or decrease in volumes

Plan and Benefit Updates

User Management

CSR UI

Web Analytics

Campaign Management Support

Reporting

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BROWSER COMPATIBILITY

Technology Solutions to Simplify Healthcare

Internet Explorer (version 7.0 +) 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

Firefox Chrome (version 3.5 +) (version 10+) Supported Supported Supported Supported Supported Supported Supported Supported Supported Supported Supported Supported

Apple Safari (version 4.0+) Supported Supported Supported Supported Supported Supported

INTEGRATION ENDPOINTS
hCentive will provide integration with following systems of Premera:
Underwriting System: Application Submission and Status Updates Broker Management System: Broker Management Archiving: Long term storage of submitted apps and other data Billing: Bill Presentation and Update of payments

Technology
ARCHITECTURE

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Technology Solutions to Simplify Healthcare

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

TECHNOLOGY STACK
Component Operating System JDK Application Server Database DI/AOP ORM Caching Rules Engine Web Framework Messaging Services Security Scheduler SCM Build Development IDE Reporting Spring Security Quartz Subversion Maven Eclipse Crystal Reports or COGNOS Software Used Linux (Ubuntu, Amazon Linux) Sun JDK 1.6 Tomcat 6.0.29 MySql 5.1.41 Spring Framework Hibernate EhCache Drools Struts2, SpringMVC

This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosedin whole or in partfor any 9 purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to hCentive, Inc.

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HOSTING

Technology Solutions to Simplify Healthcare

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 firewall 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.

Your Site 172.168.7.31 Load Balancer-1 172.168.8.62 Load Balancer-2

App Server-1

App Server-2

Amazon EC2

EBS VoI

Master DB

replication

Master DB

EBS VoI

Daily Snapshots 1/day Amazon S3

Rolling Snapshots 10 min intervals

This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosedin whole or in partfor any 10 purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to hCentive, Inc.

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Contact Information
Corporate Headquarters
hCentive, Inc. 12355 Sunrise Valley Drive, Suite 630, Reston, Virginia 20191

Technology Solutions to Simplify Healthcare

Contact Us
Phone: Sales: Support: Partnerships: 800-984-7952 sales@hcentive.com media@hcentive.com partnerships@hcentive.com

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This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosedin whole or in partfor any 11 purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to hCentive, Inc.