Mobile Technology and Insurance Employee Benefit Programs By Scott Warner

Today’s Presentation Review of Mobile Technology Employees and Devices HR Mobile Checklist Review Pensions and Savings Programs Review Benefits Programs Mobile Health and Benefit Programs

What is Mobile Technology Uses a combination of wireless data transmission and reception and powered devices to provide a portable access point to the internet in a manner that is not location dependent.

Mobile - Devices wearable computing devices From the PC out to the Smartphone all the way over to wearable computing devices mobile is but one stop in the evolution of technology

Entry Level Mobile Consider that whatever you have offered in terms of self serve or internet access may be replicated in the mobile environment Remaining questions are – Do you want to offer that service via mobile – Is the mobile environment secure – What resources will this consume internally (IT\IS)

Advanced Mobile Tablets are the next frontier – Fastest Growing Segment – Most potential for change APP development will be driven by tablet usage and deployment Social Enterprise migrating to tablets Bridging Work and Home

Employees and Devices BYOD – Bring Your Own Device – This is a trend that can't be stopped Can have advantages to the employer. BYOD raises legal issues that need to be considered as well. Do you allow non-company issued devices to access your mobile products or services Since the devices will not always be company issued, access to pension and benefit programs using mobile devices will or may include personal devices. This raises numerous security issues.

Employees and Devices Access polices will be critical to deploying mobile offerings within the benefit program Access will mean risk, this will fuel who, what and where as sponsors entertain mobile solutions Human Resources Checklist for Mobile services

HR Mobile Checklist Purpose Cost Security Control Administration

HR Mobile Checklist Purpose – What purpose will the device or application serve relative to corporate objectives, policies and guidelines – Is there a fit – Substantial change

HR Mobile Checklist Cost – Will the deployment of a given mobile solution lower costs – What is the current cost associated with this application – How will return on investment be measured – Will other stakeholder costs be impacted If so how

HR Mobile Checklist Security – What Security risks are involved with the mobile solution – How will these be mitigated – Who has operational responsibility for security in this domain – Do the uncovered risks outweigh the solution’s possible benefits

HR Mobile Checklist Control – How does my organization control this product or offering – Do Third parties have any control over the solution – What is my relationship with the third parties – Who has overall responsibility for control to; access, location and type of service

HR Mobile Checklist Administration – Does the solution impose a burden on my existing administration systems – More or Less work – What are the staffing implications – Third Party responsibilities – Reporting and Communication – Has this been factored in the Cost

Pension and Savings Mobile Banking applications will drive the types of access and usability that sponsors deploy for pension and savings programs This will be fused with mobile investment products Employees will naturally seek to have employer sponsored programs with the same level of access and control retail products offer

Mobile Pension Apps Same type of usages as present web based offerings – Selection of Funds or types of investments – Allocation – “What if” and Retirement modeling capabilities will be most sought after by end users Such as the “Adjustable Pension Plan” Integration to person financial products will also be a sought after functionality

Mobile Pension Apps Employer Retirement products Personal Savings and finance Banking Planning mCommerce will drive only a small segment in this program space – This is due to the nature of the product not being immediate in many cases – Long Term focus

Benefit Programs For a short period – APPs for claims, enrolment and Flexible program selections – Providers slow on APPs for program management Being influenced by and will be driven by – mHeath – PHR (Personal Health Records) EHR (Electronic Health Records) – Wearable diagnostics and monitoring will also impact the integration of mobile technology and benefit programs.

Dental and Mobile Personal Tooth Records – To reduce fraud Automatic Recall Mobile Payment – Carrier Payment – Employee Copayment – Integrated in one transaction (or two at first) – Via mobile device – at point of service

Life, Disability and Voluntary Deployed on mobile devices Voluntary coverage may be pushed to employees for optional purchasing Product offerings expanded or enhanced once the employee and provider begin a relationship For Disability – Audit, changes to claim, and request for data

Mobile and Health Care Similar to dental today Some transactional based APPs, some record keeping functions but no integration to overall health care or the health care system mHealth Connected Health Consumer Driven Healthcare

What does mHealth look like

m/Connected Health Applications

Integration Benefits are the economic component the healthcare The future will see mobile devices monitor and assist in controlling health issues The payment and treatment components will grow together Your providers will begin move beyond simple service Apps to supporting their or your program in a Connected Health environment.

Typical Flow of Patient process Visit to Practitioner – Diagnosis or update to condition – Recorded at point of service – Data communicated to patient device Patient device processes prescription – diagnostics service request – even hospital admission Benefit program payment and copayment Processed on mobile device

What will this offer Real Time Drug Utilization (DUR) review Secure diagnosis transmission will reduce fraud – it will require the practitioner to be complicit Access to my record to ensure accuracy in treatment General interface with Wellness programs Optional corporate non-person feedback

Benefits and mHealth Summary Rapidly developing area of overall healthcare Fits and spurts to be expected – i.e. you won’t be using what you have today for very long End to End connectivity will fuel development Benefit programs will be able to exert greater control over plan design and usage Will this translate into better Cost management?

Summary Mobile Technology is more about technology and less about changing the way we do things ecommerce was a more radical transition that mobile Devices will drive the type and desires for new interfaces and solutions The Enterprise needs to weigh advancement against risk

Questions