18 Feb 2020

HCIactive Featured In CIO Magazine – Propelling Consumer-Centric Agility To Solve The InsureTech Puzzle

HCIactive Featured In CIO Magazine – Propelling Consumer-Centric Agility To Solve The InsureTech Puzzle

As digital modernization sweeps across the insurance industry, insurers are hindered by the inability of business models to quickly adjust to changing customer requirements and behaviors. Insurance purchasers are now demanding greater personalized engagement and clarity of the information to meet their unique needs and circumstances. This evolving business environment has obligated insurance companies to customize their products and services to “consumers” rather than merely pushing their offerings to the market. Furthermore, fragmented processes and siloed data between insurance ecosystem partners, like reinsurers, underwriters, brokers & agents, insurers, TPAs, providers, and employers, are hindering the ecosystem’s ability to adjust to the changing consumer and market trends. Operational excellence strategies and critical market-facing initiatives, which often require cross-ecosystem integration for implementation, fall short of desired financial and performance goals. The dynamic, consumer-centric insurance industry requires a business platform that delivers digital agility and innovation that can grow and scale to the market.

One company making great strides in delivering the required agility to the InsurTech market is HCIactive, the leading InsurTech platform for consumer-centric digital policy administration. HCIactive is at the forefront of offering a robust cloud-based, integrated Platform as a Service (iPaaS) to help the insurance industry deliver greater consumer engagement and ecosystem execution.

HCIactive’s platform aligns agile ecosystem process integration and high-powered analytics to the dynamic requirements of the marketplace. From customized recommendations of “shopping cart” insurance portfolio and personal financial savings to ongoing relevant portal content based on preferences and lifestyle patterns, HCIactive delivers a highly personalized and scalable digital consumer experience. “Our platform provides personalized consumer experiences across a wider portfolio of insurance products. Consumers efficiently receive the right benefits and engagement they need and insurers achieve greater consumer intimacy and loyalty,” says Henry Cha, CEO of HCIactive. Insurance companies benefit by selling products more directly and efficiently, while consumers are able to customize and personalize their benefits package to protect themselves.”

HCIactive’s ultimate objective is to support the platform required for the full insurance lifecycle process, managing all insurance products and services from ‘Quote’ to ‘Enroll’ to ‘Engage.’ The ‘Quote’ process involves the management of the insurance product portfolio and broker network to correctly quote employer and consumer insurance premiums. The ‘Enroll’ process spans member selection of insurance products and eligibility verification, which typically tends to be an arduous process with the proliferation of insurance products. Lastly, ‘Engage’ is focused on driving wellness and population health management, care coordination, and managing the provider network. HCIactive integrates all IT systems, processes, and information from ‘Quote’ to ‘Enroll’ to ‘Engage’ across the ecosystem stakeholders by utilizing a patented single-workflow engine to enable insurance 20 MOST PROMISING INSURANCE TECHNOLOGY SOLUTION PROVIDERS – 2019 Our platform provides personalized consumer experiences across a wider portfolio of insurance products. Consumers efficiently receive the right benefits and engagement they need and insurers achieve greater consumer intimacy and loyalty companies to create their own strategic improvement roadmap. Moreover, HCIactive has one of the only InsurTech platforms that is blockchain-enabled for wellness and population health management.

HCIactive has advanced analytics and infrastructure to create customer-centric capabilities—an analytics suite that uniquely leverages cross-ecosystem artificial intelligence & machine learning, intelligent process automation, natural language processing, and predictive modeling to create an adaptive consumer experience. Jeffrey Penn, HCIactive’s Vice President of Business Development, says, “Our strategy for agility is to get closer to the customer, have the right data insight into what the customers need, and to have the right platform to be able to engage them in the best way.”

There are three primary implementation approaches for HCIactive’s cloud platform. The solution can be implemented as a standalone platform for complete digital benefits administration. Secondly, the platform can be implemented into the existing application landscape to augment capabilities with additional features required. Lastly, HCIactive can be a platform “wrap” that can be used to integrate other applications and architectures, including vendor applications, to create a single, advanced user experience.

HCIactive has delivered significant benefits for clients. For one of the leaders in the insurance industry, HCIactive’s solution has resulted in the increased use of process automation from 40 to 86% of their processes and an additional 12% of process transactions now being partner self-service. Frank Kang, HCIactive’s Corporate Development & Alliances leader, states, “One of HCIactive’s core principles is to bring real operational and financial value for our clients. We have a metrics dashboard to continuously monitor client performance.”

Going forward, HCIactive plans to expand its footprint into international and public sector InsurTech and continue to develop its adaptive consumer experience capabilities and blockchain integration. In the current dynamic Insurtech business environment, innovation targeting consumer engagement and operational agility will remain at the forefront of HCIactive’s InsurTech roadmap

31 Dec 2019

Digital Engagement – The Future For Health Plans

Digital Engagement – The Future For Health Plans

All health plans and Payers, whether it be traditional health insurance carriers, third party administrators, Medicare or Medicaid plans, will begin to transform their business models so that they match the consumer experience found with Amazon, Apple and Google. The core focus will be to increase their efficiency and deliver far better value for members. A key element is to make the member experience hyper-personal. All health plans must improve engagement and influence members with a high touch experience. Instantaneous access to data and data interoperability will have an impact not only on the member experience but it will also improve wellness and care coordination.

HCI provides the most innovative and comprehensive platform that a health plan can utilize to transform itself into the digital age and dramatically elevate the member experience.   Members are conditioned through experiences with Amazon, Apple and Google and will expect a similar experience for their health care. The HCI solution is a member engagement platform that provides members with a digital experience that they have grown accustomed through using the products and services of Amazon, Apple and Google.

The disruptors in the health plan/Payer market will be data driven and member focused. The core of the process is enrollment and eligibility and this is what drives the overall experience for the member. The HCI platform enables accuracy and timeliness, which is critical for these key functions. The enrollment process can be completed on the web tool or mobile app. Costs are significantly reduced as there is no need for the traditional paper process. As such, the member experience is enhanced dramatically and implementation and launch is streamlined, efficient and based on accurate data. Members are provided complete continuity in the web and mobile app experience, which is unique to the HCI solution.  By mirroring the web and mobile functions it allows for a user experience that is unmatched in the industry.

You won’t see the word “portal” on our website. The word is like “rolodex” or “DayTimer”  – products that are part of history now due to technology. We offer a digital member engagement platform which provides a member experience well beyond a portal. This key component will drive the future success of any health plan/Payer and they will be viewed as innovative market leaders.

Contact Jeffrey Penn


07 Feb 2018

HCIactive and WiserTogether partner to deliver advanced health care technology solutions to employers

HCIactive and WiserTogether partner to deliver advanced health care technology solutions to employers

WiserTogether Return to Health extends the HCIactive technology platform further enabling employee engagement and improved outcomes

Glenwood, MD (Feb. 7, 2018) — WiserTogether and HCIactive have entered into a partnership to deliver the WiserTogether Return to Health solution as an integrated part of HCIactive’s Workplace Wellbeing product suite. HCIactive leverages cloud-based technology to deliver health care management tools. Including Return to Health in the HCIactive product suite will enable organizations to offer employees a powerful tool to manage their own health care.

WiserTogether Return to Health is a web and mobile solution, which guides people to the most appropriate, effective and often less intrusive treatment options for that individual. Return to Health enables employees to make thoughtful and informed decisions about their health care by providing easy to understand information and guidance, resulting in lower clinical costs, higher compliance with best practices and faster recovery times.

HCIactive is a health care technology firm that focuses on delivering innovative solutions to employers that improve the lives of their employees. Through their Workplace Wellbeing suite of products, HCIactive offers resources needed to develop a culture of health. Return to Health extends this suite and provides a tool for easy engagement and ongoing treatment planning.

Henry Cha, CEO of HCIactive commented: “WiserTogether’s clinically proven treatment guidance solution provides our clients a critical health care management tool to enhance experiences, better manage per-capita costs, and improve outcomes while enabling each participant to be a true partner in the care process.”

Max Kahn, CEO of WiserTogether shared his perspective: “HCIactive delivers an impressive suite of cloud-based employer solutions. The addition of Return to Health to their offerings extends their already powerful offerings and further engages employees in the management of their health care. We are excited about our new partnership with this technology leader and the value we can deliver to the market.”


About HCIactive

HCIactive, Inc. provides advanced health planning solutions to employers that help attract and retain the best employees by engaging them in their well-being and workplace. Our integrated technology platform, Healthspace™, runs results-driven population health and incentive management programs designed to mitigate risk, control health care costs, support Affordable Care Act compliance, and improve member outcomes.

About WiserTogether

WiserTogether is a leader in consumer-focused health care information technology solutions that advance clinical outcomes, financial and patient satisfaction results. Our innovative solutions enable consumers to circumvent the immense amount of data on the internet and in the market and effectively guide individuals to the best treatment options for them. To learn more visit www.wisertogether.com.

04 Nov 2016

Top 5 ACA Reporting Challenges to Avoid This Season

Top 5 ACA Reporting Challenges to Avoid This Season

By John H. Capobianco, President and CMO of HCIactive

The July 31st deadline for ACA reporting passed this year with an audible sigh of relief. For most companies, complying with the IRS reporting requirements was more difficult than expected, and they wound up outsourcing the process to payroll, benefits administration, or ACA reporting vendors. As one of those ACA reporting vendors responding to the call of duty, we at HCIactive witnessed and successfully addressed the challenges these companies faced. The good news is that these challenges were categorically similar and easily preventable.


Below are the top five ACA reporting challenges that companies experienced last season.


Companies have long recognized that what the IRS defines as a full-time equivalent differs from what companies typically consider a full-time employee. Companies understood that they had to offer health insurance to workers who might not have qualified under in-house definitions, but when it came to documenting who those people were, and whether they received coverage, things got complicated. There were more employees who fell outside of standard definitions than expected, and it was not that straightforward to confirm who they were. The government offered more than one way to determine if someone is “full-time”, but neither method reflected how workers and their hours are represented within common payroll and benefits systems. This complexity created a lot of manual analysis and second-guessing.


In-house systems don’t “speak” ACA—they are not set up to keep track of everything your company needs to know to efficiently comply with the law. The difficulty of knowing who qualifies as full-time is just one of the tracking failures uncovered during the reporting process. Other tracking issues have to do with who was offered coverage, who accepted, and who rejected, who has taken a sabbatical or a leave of absence, or is out on disability. Some salaried employees sometimes produced ACA anomalies, as did seasonal employees or contractors whose hours flex up and down. This latter group may qualify based on a high-work period, but then have their average hours drop and not rise again within the timeframe necessary to maintain eligibility. Depending on how a company is tracking and when it runs the report, it may be out of compliance and not even know it.


The IRS forms 1094 and 1095-C were not easy to complete. The information entered on those forms needed to be recorded as specific codes. The codes reflected an employee’s status, their eligibility for certain plans, whether the employee enrolled and whether they qualified for an affordability safe harbor, among other details. Companies were challenged by the effort of choosing the right code. Technology might have helped, however their systems weren’t ACA compatible and many still aren’t.

Few if any companies have HR, payroll, benefits administration, or other in-house systems capable of reporting employee-related information in terms that can be easily queried and converted into those codes. More commonly these systems report data in native formats that differ even from each other. It’s no wonder that filling out the forms ended up being much more difficult than companies thought.


Finally, you document everything you need, code it accordingly, and transmit the whole package to the IRS, only to see that dreaded message: ERROR. Even companies with the best of intentions and the most ACA-friendly systems still encountered errors in transmitting their forms. The IRS’ electronic submission platform gets a lot of blame for the error frequency, but there is good reason to suspect that most of the errors are the result of dirty data. Employee record systems sometime contain incorrect information. The wrong birth year for an employee, or an incorrectly transposed social security number, or a misspelled name—any anomalies will flag that ERROR message.


As the deadline approached, employers realized they were in over their heads and turned to trusted service providers to help. It was logical to think that benefits administrators, payroll companies, and other third parties would know how to help, and many jumped on the business opportunity. Unfortunately, the lack of experience that employers had with the reporting requirements extended to third parties as well. This was the first time for everyone. The same challenges around tracking, translating data into the right codes for the forms, and data access applied as much, if not more, to third parties as to the employer itself.


The challenges companies faced for 2016 share a common theme—they all stemmed from a lack of knowledge and technology needed to define, track, record, and report information about their employees.

Experiences from the past should make companies better equipped to address the challenges ahead. Most companies know by now that the process is not one that is best handled manually or in-house, but rather outsourced to experienced ACA reporting vendors. A trustworthy vendor should provide expertise, along with the integrated technology needed to execute and provide a system of record for tracking, reporting and filing the required information and forms. Additionally, with the last season behind us, the vendor should have a proven track record for achieving a high IRS acceptance rate for its current clients proving that their technology actually works.

To learn more about the tips and technology needed to overcome ACA reporting challenges, download this free webinar or contact us!

HCIactive relieves administrative burden and takes the guesswork out of ACA reporting and compliance with a robust integrated technology solution.

14 Oct 2016

Webinar: The Solution to Simplifying ACA Reporting

Webinar: The Solution to Simplifying ACA Reporting

You Survived Year One…Now what?

If you’re like many employers, complying with IRS reporting requirements was more difficult than you expected.  Now you’ll have to do the process again, but in much less time and under greater IRS scrutiny, increasing your risk for penalties. The good news is that we’re familiar with your challenges, and we have the solution you’ve been seeking.

Learn how HCIactive’s ACA Reporting Dashboard addresses these common employer challenges:

  • Accessing Critical Data – aggregate benefits, payroll, and HRIS data to simplify ACA reporting compliance
  • Tracking FTEs – establish measurement and tracking periods for part-time or seasonal employees to determine FTE status
  • Filing by the Deadline – generate and e-file IRS Forms 1094/1095 Series B and C, and track status
  • Addressing IRS Inquiries – store and retrieve compliance documentation, including offers of coverage, to address possible IRS inquiries

Plus, our software has a 98% IRS acceptance rate.  Don’t just take our word for it – see for yourself in this informative webinar.


Register today!

Webinar: How to Simplify ACA Reporting with HCIactive

October 27, 2016 at 3:30 pm – 4:30 pm, EDT