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.

1. 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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contains confidential and proprietary information specific to hCentive, Inc.

2. hC ent iv e
Technology Solutions to Simplify Healthcare
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 confidential and proprietary information specific to
hCentive, Inc.

3. hC ent ive
Technology Solutions to Simplify Healthcare
Overview
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:
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 confidential and proprietary information specific to
3
hCentive, Inc.

4. hC ent ive
Technology Solutions to Simplify Healthcare
Feature
Details
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)
Cross-sell / Up-sell
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
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
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-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
This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any 4
purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to
hCentive, Inc.

5. hC ent ive
Technology Solutions to Simplify Healthcare
Feature
Details
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.
Online Application Submission
Assign a unique identifier to each application for tracking
Submit application to the backend underwriting system
Attach a time of submission with each application
Payment Processing
Ability to process payment from ACH, Credit Card and
Paypal.
Separate payment options for initial and ongoing
payments
Ability to change payment preferences
Electronic Signatures
Meet the requirements of electronic signature laws for
signature creation, storage and retrival
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
Notifications
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.
Broker Quoting
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
This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any 5
purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to
hCentive, Inc.

6. hCentive
Technology Solutions to Simplify Healthcare
Feature
Details
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
Broker Proposal Management
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
Account Management
Login and Logout
Profile Management
Change Password
Policy Renewals
Renew a policy on a yearly basis
Send notification for renewals
Policy Updates
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
Policy Documents
Download policy documents from the portal including
card
Bill Presentation
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.
This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any 6
purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to
hCentive, Inc.

7. hCentive
Technology Solutions to Simplify Healthcare
Feature
Details
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.
Plan and Benefit Updates
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
User Management
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 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 tools
Link web activity with specific campaigns
Campaign Management Support
Create trackable links for specific campaigns.
Post links to social media websits
Create banners and links for google ads and other such
initiatives
Reporting
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
This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any 7
purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to
hCentive, Inc.

8. hCentive
Technology Solutions to Simplify Healthcare
BROWSER COMPATIBILITY
Internet Explorer
(version 7.0 +)
Firefox
Chrome
(version 3.5 +) (version 10+)
Apple Safari
(version 4.0+)
Windows XP
Supported
Supported
Supported
Supported
Windows Vista
Supported
Supported
Supported
Supported
Windows 7
Supported
Supported
Supported
Supported
Mac OSX 10.5 (“Leopard”)
Supported
Supported
Supported
Mac OSX 10.6 (“Snow Leopard”)
Supported
Supported
Supported
Mac OSX 10.7 (“Lion”)
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
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.
8

9. hCentive
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
Software Used
Operating System
Linux (Ubuntu, Amazon Linux)
JDK
Sun JDK 1.6
Application Server
Tomcat 6.0.29
Database
MySql 5.1.41
DI/AOP
Spring Framework
ORM
Hibernate
Caching
EhCache
Rules Engine
Drools
Web Framework
Struts2, SpringMVC
Messaging Services
Security
Spring Security
Scheduler
Quartz
SCM
Subversion
Build
Maven
Development IDE
Eclipse
Reporting
Crystal Reports or COGNOS
This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any 9
purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to
hCentive, Inc.

10. hCentive
Technology Solutions to Simplify Healthcare
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 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
172.168.8.62
Load Balancer-1
Load Balancer-2
App Server-1
Amazon EC2
EBS
VoI
App Server-2
Master
DB
replication
Master
DB
EBS
VoI
Rolling Snapshots
10 min intervals
Daily Snapshots
1/day
Amazon S3
This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any 10
purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to
hCentive, Inc.

11. hCentive
Technology Solutions to Simplify Healthcare
Contact Information
Corporate Headquarters
Contact Us
hCentive, Inc.
Phone:
800-984-7952
Sales:
sales@hcentive.com
Support:
media@hcentive.com
Partnerships:
partnerships@hcentive.com
12355 Sunrise Valley Drive,
Suite 630, Reston, Virginia 20191
-----------------End of White Paper-----------------
This document is copyrighted property of hCentive, Inc. It should not be duplicated, used, or disclosed—in whole or in part—for any
11
purpose other than to evaluate hCentive products or services. This document contains confidential and proprietary information specific to
hCentive, Inc.