IntroductionIntelligent virtual assistants are the key to accelerating your benefits marketplace, enrollment, and self-service initiatives.

Intelligent virtual assistants (IVAs) enable consumers to efficiently accomplish their online goals by facilitating decision support during benefits selection and enrollment, filling out forms or applications, and instructing members on more complex concepts, such as HSAs and metal levels.

Health insurance organizations are integrating IVAs as a core piece of technology to enhance the healthcare consumer experience.

This guide reviews the value of leveraging CodeBaby intelligent virtual assistants and decision support tools to drive enrollment, create efficiencies, and improve the member experience.

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The average virtual assistant enabled self-service session is only a fraction of the cost of a contact center interaction.

Payer Solutions | Benefits Advisor

1. Benefits Communication and Enrollment One-to-one education increases benefits understanding.

2. Public and Private Exchanges Consumers want a “guided” shopping experience.

3. Voluntary Benefits A premium online experience drives high participation.

4. Key Features and Benefits Premium features for maximum digital impact.

5. CodeBaby Health Insurance Experts On-demand industry expertise at your service.

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1. Benefits Communication and Enrollment One-to-one education increases benefits understanding.

With a variety of plans, healthcare reform, and an overwhelming amount of paper-driven processes, health plans and employers are seeking alternatives to increase benefits participation and engagement. A Colonial Life survey conducted by Harris Interactive1 found that one-to-one communication increases benefits understanding and although ideal, it may not be practical. This is where Benefits Advisor closes the gap. It provides an online, emotional connection that can complement or replace the benefits enrollment meeting/process.

Click the image above to watch Hannah explain how the app provides benefits education and defines complex concepts - like deductibles, coinsurance and out-of-pocket maximums.

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2. Public and Private Exchanges Consumers want a “guided” shopping experience.

The Benefits Advisor assists employees when making decisions based on a defined contribution plan. It simplifies health plan complexity through real-time decision support and plan education while lowering operational expenses. Additionally, it drives users to complete forms, such as banking information and HSA applications. And because of real-time support, payers experience a decrease in calls, which can help meet the ACA medical loss ratio, all while providing a more satisfying shopping experience.

Click the image above to watch Lina help an enrollee apply for health insurance on a public exchange.

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According to the latest MetLife Study on Employee Benefits Trends2, consumers are seeking a personalized, educational, and customizable voluntary benefits shopping experience--with 74% reporting they would value a more personalized benefits approach to match their age group.

Benefits Advisor offers personalization based upon demographic information that will adjust the avatar, communication style, and decision support tools based upon the user generation. Further, as an option, it can provide a user driven approach to enrollment by giving consumers control over how they would like to be helped—by animation, voice, or text. Watch Sarah guide employees

through the benefits enrollment platform and explain accident insurance, recommend educational videos, and help the user enroll.

3. Voluntary Benefits A premium online experience drives high participation.

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4. Key Features and Benefits Premium features for maximum digital impact.

✓increase enrollment completion✓enhance self-service✓improve customer experience

✓increase application accuracy✓reduce administrative costs✓24/7 service and support

✓improve loyalty and retention✓ensure information consistency✓increase voluntary enrollment

Platform Optimization uses 3D, 2D, voice, and text

to deliver the optimal experience to the right device

Two Points of Integration ‣ JavaScript tag on each portal page‣ API/interface for data access to

knowledgebase, CRM, etc.

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CodeBaby Interactive Virtual Assistants:

5. CodeBaby Health Insurance Experts On-demand industry expertise at your service.

As experts helping organizations evolve their online strategy, the CodeBaby health insurance and benefits team is excited to help you create the engagement model to achieve long-term loyalty and new revenue opportunities. We provide careful analysis of your audience, goals, content, and organizational culture, so we can create that experience which uniquely reflects your brand and appeals to your customer base.

The CodeBaby health insurance and benefits experts are at your service and fully committed to helping you create a premium online experience. Contact us today!

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Benefits Advisor Payer Solutions

Ready to accelerate health insurance and benefits enrollment?Contact us for more information, a personalized demo, or an assessment to better articulate the value of implementing a Benefits Advisor Solution.

Learn More:Go to http://codebaby.com/online-solutions/benefits-advisor/Email info@codebaby.com

About CodeBaby: CodeBaby Corporation is a global customer engagement technology company founded in 2001 by two Canadian physicians turned gaming entrepreneurs (former CEOs of Bioware and executives of Electronic Arts). Leveraging emotional engagement and gaming expertise, CodeBaby’s solutions drive engagement and retention for Fortune 500 customers within healthcare, financial services, banking, and eCommerce. Follow us @CodeBaby.

Sources:1 Colonial Life, “Well on the Way: Engaging Employees in Workplace Wellness”, Benefits at Work Series, A Colonial Life Whitepaper, Fall, 2012 (http://www.coloniallife.com/~/media/acrobat/newsroom/white%20papers/NS-12658.ashx)2 MetLife, “2013 Study of Employee Benefits Trends” 2013 (https://benefittrends.metlife.com/home/benefits-connected/going-generational)

Written and Designed by Audrey Dalton, Director of Content Marketing

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