The Power of Integration · Educational Benefits 3 EnrollNet 3 Internal 3 MSI Benefits 3 Resource 1...

© Allstate Insurance Company Proprietary and Confidential

The Power of Integration A Synergy of Carrier, Broker and Platform Matt Osborn

Proprietary and Confidential August 14, 2014 2

Enrollment Technology Solutions

Philosophy

Enrollment Flexibility “Pla5orm Neutral”

This gives us the ability to integrate with nearly

any pla4orm

This gives us the best enrollment solu6on

for each client

We have built our products on more than

150 pla4orms

Extensive Pla5orm Op;ons


Consultants

Technology Sales Consultants (TSCs) We have a dedicated team of professionals

1 Integra;on specialists

3 Trained to manage the enrollment process from end-‐to-‐end

2 Serves as “solu;on finders” for our customers and each case

4 Get involved early, ensuring the enrollment process is set up correctly

i


Technology Sales Consultants (TSCs)

Provide the pla4orm vendor with the data file layout of both the enrollment and billing file

Work directly with the pla4orm vendor for the product build The product-‐build process consists of:

Coordinate the display and communica6on of our products; define the user experience

Test the product and data files

1

2

3

Product Build

Proprietary and Confidential

Business Metrics – FINAL 2013

EOY Annual Premium 3 Year View

2011 $79,588,608 _ 2012 $109,387,680 37.44% 2013 $140,799,684 28.92%

•  The team processed $74,510,709 between January and November 2013

•  $66,288,975 in December

•  Our Third Party System premium is now over 42% of our total sales revenue

•  Auto Underwriting: 82% overall average for the year (started very poorly and improved dramatically due to the work of NB and the Benefit Pipeline teams)


Pla5orm Enrollment Count 2013 Platform

Number of Enrollments

BenSel(OneView) 159

Liazon 83

Paper to Spreadsheet 81

Bensel 70

BenefitFirst 61

WeCare 53

ADP 51

BenefitFocus 48

Common Census 41

Businessolver 25

Autoapp 24

BenefitsConnect 22

PlanSource 21

BeneTrac 13

EasyEnroll 13

SmartBen 11

Aetna 10

BCI 10

Lawson 10

PeopleSoft 10

Platform Number of

Enrollments

UltiPro 10

Bswift 9

Infinity HR 9

Ceridian 8

EOL 8

EElect 7

InRoll 7

Web Benefits Design 7

Oracle 6

Xerox ACS 6

HR Connection 5

AON 4

Ascentis 4

Benelink 4

CWI 4

Explain My Benefits 4

NES 4

Advantage 3

Benefits Hub 3

BenefitsHub 3

Platform Number of

Enrollments

Cool Creek 3

EB Gateway 3

Educational Benefits 3

EnrollNet 3

Internal 3

MSI Benefits 3

Resource 1 3

USAble 3

Accordware/ BenExpress 2

BCEnroll 2

Benefit Harbor 2

ClearConcepts 2

Ebenefits 2

EBI 2

Harmony 2

Hewitt 2

Innotech X-change App 2

MyUEnroll 2

Paycomm 2

Premier 2


Pla5orm Enrollment Count Since June of 2010 Platform

Number of Enrollments

BenSel 294

BenSel(OneView) 278

GESR 278

Liazon 152

WeCare 143

BenefitFirst 121

AutoApp 116

ADP 100

BenefitFocus 92

Common Census 86

BenefitsConnect 70

Businessolver 67

PlanSource 48

BeneTrac 36

PeopleSoft 31

EasyEnroll 25

UltiPro 25

BCI 22

EElect 22

SmartBen 21

Platform Number of

Enrollments

EOL 20

Lawson 17

Resource 1 14

Aetna 13

BSwift 13

AON / Hewitt 12

Benelink 12

HR Connection 12

Tricerion 12

Ceridian 11

Infinity HR 11

Web Benefits Design 11

Explain My Benefits 10

InRoll 10

IPA 10

Xerox ACS 10

BenefitsHub 9

Oracle 8

PerkSpot 8

Resource1 8

Platform Number of

Enrollments

Select Source 8

Mercer EasyEnroll 7

NES 7

Advantage 6

Benefit Harbor 6

Ebenefits 6

Empowered Benefits 6

Empyrean 6

EnrollNet 6

SHPS 6

WeEnrol 6

Accordware/ BenExpress 5

Ascentis 5

Benefits HUB 5

BenefitsConcepts 5

Beneport 5

Cool Creek 5

SAP 5

Secova 5

WorkDay 5


2014 Initiatives – Growth / Communication

•  “Fine Tuning” the Vendor Relationships •  Continuous Improvement / Auto Issue / Communication •  Field Staffing / Processing Transparency / Communication •  Improved Efficiency in Quality Assurance Review Process •  Focus on “Native” builds


AB’s Differentiation – How the Field can be Engaged

•  We are the ONLY Carrier in the industry with this type of team and this number of solutions

•  We will have dedicated Regional and VPNA TSCs

•  Know your TSC – get them involved in sales calls March through August

•  Discuss enrollment technology flexibility and solutions – confirm ACTIVE Participation

•  Engage TSCs early to determine the correct solution

•  Promote Evidence Of Insurability online

•  Electronic Certificates - How We Do Business

•  Demonstrate MyBenefits portal for Employees

•  Understand and follow the Pre-Sale / Implementation Processes


How It WORKS!! 1.  Enrollment Firm / Broker work with AB Sales Associate to determine what products and

plan designs are needed for the account (6 weeks before enrollment begins)

2.  Employer agrees to these plan designs by signing the Employer Acceptance agreement (4040 form) (6 weeks before enrollment begins)

3.  AB Enrollment solutions receives the 4040 with a request to submit an Implementation Package to the platform vendor (no rates or other data gets to the platform vendor any other way) (at least 5 weeks before enrollment begins)

4.  A review call to make sure that there is clarity around the Implementation Package BEFORE case configuration takes place – TSCs will be validating “working conditions” (4 weeks before enrollment begins)

5.  The Implementation Package contains file feed formats that would be discussed, understood and agreed upon (covered in #4)


How It WORKS!! 6.  A Quality Assurance testing date for the system is agreed upon PRIOR to use of the

system for enrollment (1 – 2 weeks before enrollment begins)

7.  AB reviews the case configuration (QA) and insures that all rates and state regulations for the products are followed … signs off on the case (covered in #6)

8.  Enrollment begins

9.  During enrollment phase we receive test files based on the formats provided in step 5. We test those files for format and data type accuracy

10.  Post enrollment – AB receives the data files within 5 – 7 business days to process E-certificates


Common Failure Points in the Process 1.  No 4040 – the 4040 changes and we don’t know it

2.  Billing call and frequency to gain clarity

3.  Agent licensing and appointing process

4.  No system review – leads to business that takes months to get processed

5.  Agent# / splits prior to processing data


Curt Taylor Curt Taylor

WA

OR

CA

NV

ID

MT

WY

UT

AZ NM

CO

ND

SD

NE

OK

MN

IA

MO

AR

LA MS

WI

IL IN

KY

TN

AL GA

FL

SC

NC

MI

KS

ME

VA

AK

HI

VT NH

MA CT

PA NJ

MD WV OH DE

STX

IA/EA Territory TSCs – February 2014

WA Region

NTX

Denis Weaver = IA Southeast / EA Southeast and Florida

Nick Carlson = IA South Central / EA Texas and EA West Central

Open = IA Northeast / EA Northeast

Bruce Tyndall = IA Greatlantic / EA Southern

Eric Palmquist = IA North Central / EA Midwest and EA Capital

Open = IA Western / EA Southwest, Northwest and California

Denis Weaver Nick Carlson

Open

Bruce Tyndall

Eric Palmquist Open


Three Options for Integration

“Residential Build”

iFrame Integration

WebService Integration

Platform builds products directly within – Rates and Rules tested

Platform allows “window within a window”

Platform codes transactions to AB’s Rules, Rates and Forms Engines


AB’s Discounted BenAdmin Solution

Benefit Agent

Product configuration tool like “Turbotax”

Use as an interview process to capture all the details of the

products, eligibility rules, location rules, etc.

Publish to BenSel

BenSel •  Communicate •  Enroll (Capture) •  Confirm

Payroll System

Carrier 1 Carrier 2 Carrier 3 Carrier 4 Carrier 5


Selerix - BenSel Pricing

Version: Nov 2013

Type of Enrollment Eligible Employees

Case Configura;on

Cost

VB Only – OE N/A AB internal staff $0 -‐ Allstate products only – use AllApp where possible. If products are not on AllApp we will use BenSel and build the case with internal resources

VB Only – Perpetual N/A AB internal staff plus Broker

$0 -‐ Same as above. For perpetual we train the Broker to upload the eligibility files on a monthly basis and we set up scheduled data feeds where needed.

Core and VB – OE <1000 Selerix Broker or Employer pays $5,000 set up fee and $2,000 for ini6al data feeds

Core and VB – OE >1000 Selerix AB pays $5,000 set up fee and Broker/Employer pays $2,000 for ini6al data feeds

Core and VB – Perpetual <1000 Selerix Broker / Employer pays $5,000 set up fee and $.50 PEPM (minimum $500 per month)

Core and VB – Perpetual >1000 Selerix AB pays $5,000 set up fee. Broker/Employer pays $.50 PEPM (minimum $500 per month)

Cer6fied Case Builders N/A Broker $0 -‐ Must have 2 AB products on each case. NO compe6tor VB products unless approved in wri6ng. Must have Tech Support Contract with Selerix ($1,000 per month)


EOI Online Fulfillment


EOI Diagram

Client Enrollment Site

Web ServiceDetermines EOI

Eligibility

Requires EOI SSOAuthentication

Allstate BenefitsEOI Online

AB AB

1

2

SSO Postback Results Results

3

Enrollment File sent to Allstate after enrollment

4

SSO: Single Sign On Means: Person does not have to sign on again to our EOI Online system


EOI Questions

•  Ques6ons are based on the coverage elected and persons covered

•  Yes/No ques6ons •  Situs state-‐based ques6ons •  Fraud message at the bo^om •  Electronic signature captured

Q&A


EOI Results Page

•  Immediate accept/reject •  Business-‐rule driven •  Results are “posted back”

to employer enrollment/HR system

Accept or Reject


EOI Post back Results


Questions

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The Power of Integration · Educational Benefits 3 EnrollNet 3 Internal 3 MSI Benefits 3 Resource 1...

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