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Consumer Engagement with Florida Blue and Exceptional Digital Experiences

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Presenters: Phani Kanakala, Manager, Web and Mobile Team, Florida Blue & Glenn Kline, Technical Director, Perficient

Learn how Florida Blue continues to engage consumers by using the portal platform with content management, analytics, personalization and social interaction to deliver multichannel exceptional customer experiences with measurable ROI.

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Consumer Engagement with Florida Blue and Exceptional Digital Experiences

  1. 1. BUS-S03 Consumer Engagement with Florida Blue and Exceptional Digital Experiences Phani Kanakala, Manager Web and Mobile Glenn Kline, Technical Director
  2. 2. © 2014 IBM Corporation Please Note IBM’s statements regarding its plans, directions, and intent are subject to change or withdrawal without notice at IBM’s sole discretion. Information regarding potential future products is intended to outline our general product direction and it should not be relied on in making a purchasing decision. The information mentioned regarding potential future products is not a commitment, promise, or legal obligation to deliver any material, code or functionality. Information about potential future products may not be incorporated into any contract. The development, release, and timing of any future features or functionality described for our products remains at our sole discretion Performance is based on measurements and projections using standard IBM benchmarks in a controlled environment. The actual throughput or performance that any user will experience will vary depending upon many factors, including considerations such as the amount of multiprogramming in the user’s job stream, the I/O configuration, the storage configuration, and the workload processed. Therefore, no assurance can be given that an individual user will achieve results similar to those stated here. 2
  3. 3. Agenda • Background • History of Digital Experiences at Florida • The New Consumer in Healthcare • Engaging the Consumer • The IBM Solution • Implementation Best Practices • Questions © 2014 IBM Corporation 3
  4. 4. Florida Blue Background • Largest health insurance provider in FL with 4.3 million members - All lines of business serve almost 15 million members • Mission: “To help people and communities achieve better health” • Florida Blue is a not-for-profit, policyholder-owned, tax- paying mutual company • Part of the Blue Cross Blue Shield Association • Offers a wide array of health care products 4
  5. 5. Who are Florida’s Consumers? • Agent / Sales partner • Prospect member (Shopper) • Group member • Group Administrator • Individual U65 member • Individual O65 member • Provider 5
  6. 6. Customer Engagement – Evolution Roadmap Visitor Portals Diversity – Spanish Language PZN, Secure Transactions, Integration, WCM Exceptional Web Experience Metrics & Driving Results Guided Selling Cost Tools Mobile & Social 2005 2010 2008 2011 Consumer Transparency & Cloud Enablement HCR Ready 2013
  7. 7. The Digital Experience Portfolio • Web properties support different constituents • Analytics show a 20-25% increase in traffic and adoption every year 7
  8. 8. Challenges Florida Must Address • Consumer needs and demands are continually changing • Government Mandates – Affordable Care Act – CMS Mandates – Meaningful Use – 508 and ADA Compliance – Regulations - MLR • Business requires flexibility and agility • Ability to enter new markets in a better, faster and cost effective model • Increased competition • Technology must be transparent to drive customer excellence • National Groups extend beyond state boundaries and asking for customization • Diversity of consumer platforms (analytics can provide number of different browser/platform) 8
  9. 9. 9 The New Consumer • Younger consumers who never purchased health insurance are now in the marketplace • They approach healthcare choices differently, want to be more empowered • Consumers are less brand-loyal and want to get the needed information quickly – More effort needed to attract – Membership retention is critical • Need a different level of engagement with the members - The method and portability of information is important - Efficient self service across FB and external vendor sites - Easy access to relevant information in a more personalized fashion • Ability to deliver products and services in a better, faster and cost effective manner is critical • Requires Integrated Experience for all product lines, Health, Dental, Vision across all different consumer channels
  10. 10. 10 Healthcare Reform • Need to offer products for the federal exchange to support the Affordable Care Act with lot of unknowns • Wide variety of complex products with integrated benefits • Opens up broader access to care and coverage • New insured requires heightened risk management with supporting analytics • Multi year preparation – Modify apps to support HCR Phase –1 09/18/2011 – Website MLR Enhancements 07/01/2012 – Sell certified plans on the Exchange 10/1/2013 – Serve the customers from 01/01/2014 with benefits and online tools
  11. 11. 11 Understanding the Consumer - Analytics • Using Analytics to Evolve the User Experience – Instrumentation with IBM Tealeaf ® – Web analytics – Contextual surveys to capture customer feedback • Tealeaf customer experience management solutions provide critical visibility, insight and answers to help companies meet online conversion and customer retention objectives. – Address user abandonment • Identifying why users abandon an application • What precedes/causes the abandonment • Identify similarities between abandonment – Troubleshoot user specific issues – Monitor application errors presented to the end users IBM and Tealeaf are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide.
  12. 12. 12 Consumer Expectations and Mobility • 4 years ago Florida Blue had no mobile presence – Now 30% increase in mobile logins from 2012 • Today, there are new consumers that don’t have a way to access web properties other than through mobility • Native apps available for iPhone and Droid • Mobile Web for users with no smart phones and optimized for tablets • Initially targeted to provide needed information during emergency medical conditions such as find a provider, view ID card, accumulator info & health care news • Later enhanced to provide access to more self service tools like viewing benefits, claims , cost comparison tools and paying premiums via mobile app • Based on the stats, seeing a trend graph of 20 – 30% increase on the self service tools usage
  13. 13. 13 Mobility • Mobility has evolved continuously the last 4 years Roadmap Mobile Web Member Provider Search Shopping 2009/2010 2011 iPhone and Android Apps Cost and Quality Tools iPad App, eBooks Video, Agent Tools, Reform Content 2012/2013
  14. 14. 14 Assemble the right team • Putting together right team structure across business and IT is a key to effectively engage and service the customers SrSrSrSr. Director. Director. Director. Director Digital eDigital eDigital eDigital e----commercecommercecommercecommerce AdoptionAdoptionAdoptionAdoption &&&& RegistrationRegistrationRegistrationRegistration Site OperationsSite OperationsSite OperationsSite Operations CorporateCorporateCorporateCorporate & Retail& Retail& Retail& Retail Center Site LeadCenter Site LeadCenter Site LeadCenter Site Lead ConsumerConsumerConsumerConsumer Engagement andEngagement andEngagement andEngagement and SelfSelfSelfSelf----Service LeadService LeadService LeadService Lead SpanishSpanishSpanishSpanish & HCR& HCR& HCR& HCR SitesSitesSitesSites Retail SalesRetail SalesRetail SalesRetail Sales LeadLeadLeadLead MetricsMetricsMetricsMetrics & Analytics& Analytics& Analytics& Analytics LeadLeadLeadLead Metrics AnalystMetrics AnalystMetrics AnalystMetrics Analyst Retail CapabilityRetail CapabilityRetail CapabilityRetail Capability LeadLeadLeadLead MedicareMedicareMedicareMedicare LeadLeadLeadLead LeadLeadLeadLead AgentAgentAgentAgent IssueIssueIssueIssue AnalystAnalystAnalystAnalyst SalesForceSalesForceSalesForceSalesForce AnalystAnalystAnalystAnalyst WCM LeadWCM LeadWCM LeadWCM Lead LeadLeadLeadLead DeploymentDeploymentDeploymentDeployment SpecialistSpecialistSpecialistSpecialist SalesSalesSalesSales ChannelChannelChannelChannel IntegratorIntegratorIntegratorIntegrator WebsiteWebsiteWebsiteWebsite IssuesIssuesIssuesIssues SpanishSpanishSpanishSpanish IssuesIssuesIssuesIssues AnalystAnalystAnalystAnalyst OpinionLabOpinionLabOpinionLabOpinionLab AnalystAnalystAnalystAnalyst FilingFilingFilingFiling AnalystAnalystAnalystAnalyst
  15. 15. 15 The IBM Solution Makes the Difference Business Need Product Solution Need a reliable, scalable platform to deliver exceptional digital experiences to Florida Blue consumers, prospects and partners. IBM WebSphere® Portal Business users must quickly and easily manage the web content across multiple experiences without IT involvement. IBM Web Content Management Business requires metrics around conversion rates, tool adoption and usage patterns. IT requires tools to understand consumer interactions to continuously improve the digital experience. IBM Tealeaf® Business requires delivery of targeted information to consumers across multiple channels based on complex business rules. IBM ILOG® Need to securely integrate services and SSO with third party partners. IBM WebSphere DataPower® SOA Appliance Need an industry leading common services platform. IBM WebSphere® Application Server Need to integrate profile information from multiple sources into a single view. IBM Tivoli® Directory Integrator IBM, WebSphere, DataPower, Tealeaf, ILOG, and Tivoli are trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide.
  16. 16. 16 Why is WCM so important for Florida Blue? • Agility lets you react to consumer needs quickly • Simplify and streamline business capabilities to provide consumers with relevant and reliable information. – Multiple authoring roles simplify authoring and approval experience – Manage security roles through workflows – Separation of duties between IT and Content contributors • Timely and scheduled publishing of content • Single authoring environment sources multiple portals • Use WCM for what is intended for – Web content not “data” and “configuration” – Document delivery not document collaboration • Quick and cost effective delivery of new business capabilities
  17. 17. 17 Engaging with Personalization • The Portal’s Personalization Engine is one of the most overlooked OOB capabilities • Insurance products vary significantly – A one size experience does not fit all – Experience is context sensitive • Need to show tools, content and services to the customer • Florida’s PZN implementation allows for quick and easy implementation – Visibility rules critical to being able to deliver reform capabilities – Allows changes to behaviors without code releases – Allows reacting to business needs quickly
  18. 18. 18 Personalization and WCM Example • Consumer expectation to retrieve electronic contract materials on demand • Initial direction was to dynamically generate materials on demand – Complex services needed to be integrated – Long development time – Complicated QA cycle – Cost associated with each document retrieval • Personalization and WCM to the rescue – Business loads contract materials in WCM – Personalization selects correct documents on member behalf No individual document retrieval costs
  19. 19. Market Assessments Strategic Roadmaps Content Strategies Social Media Integration Industry Trends Strategy Analytics User Profiling Observational Studies Task Flow Analysis Usability Testing Research Branding Visual Design Interaction Design Information Architecture Digital Marketing Creative Design UI Development Mobile & Multiscreen Digital Publishing Rich Internet Apps Emerging Platforms Innovation User Experience Design with the Consumer for the Consumer
  20. 20. 20 Why is Performance so Important? • 5 second SLA • Over 10 systems integrated on home page • 100% up time in 2013 – Can’t let one service hang home page
  21. 21. 21 Florida’s Performance Best Practices • Consider Performance in Every Decision You Make • Caching: Nothing matters more! – Browser caching – Web server caching – Markup caching – WCM caching – Object caching – Service caching • Performance Testing and Tuning – Start with realistic base scenarios – Test, monitor, tune and retest – Have the right technical roles to support testing – Make sure to monitor in production • Asynchronous page rendering (Ajax) • User experience impacts performance
  22. 22. 22 Best Practices Analytics • Analytics evolve a User’s Digital Experience by instrumenting the Consumers Engagement • Provides a basis to refine applications, processes and capabilities increasing the user engagement and digital experience. – What do consumers consistently use – Where do consumers abandon capabilities – Identify confusing or complex processes • Understand a consumers engagement in the Digital presence – Observe and Review actual consumer behavior – Identify changes in consumer patterns and conversion rates – Investigate application errors and respond real time to technical issues • Prioritize a consumer experienced issues based on Business Impact • Develop a comprehensive analytics suite of tools to engage and retain consumers
  23. 23. 23 Single Sign On • Florida provides SSO from member portal to a number of partners – Bill payment – Enrollment – Health Savings Account – Wellness tools – Pharmacy – Shopping • Consumers log into 1 site and have access to all their tools – Avoids complex integration development by Florida – Speed to market – Allows business to react to market demands quickly • Reusable SAML solution enables SSO with minimal custom development
  24. 24. 24 If You Build it, You Must Effectively Support it • Florida connects with consumer on multiple channels – Interact with consumers directly on social channels – Direct feedback with OpinionLab® – Understand digital interactions through analytics – Get help in person at Florida Blue centers • Robust infrastructure – Proactive monitoring – Trained support team • Understand how to troubleshoot. – Each time there is an issue, it rarely means “portal is down.” • Be ready to react quickly – Critical business needs – Last minute changes – Compliance OpinionLab® is a trademark of OpinionLab Inc.
  25. 25. 25 New Markets Engage Socially • Social media channels – https://www.facebook.com/floridabluehealth – https://twitter.com/flblue – http://www.youtube.com/floridablue – http://www.linkedin.com/company/florida-blue – http://blog.floridablue.com • Healthcare news, articles and tips disseminated via Social media • Provisioned to respond any generic user inquiries • Next in the plan - Answer any procedure related questions via social media
  26. 26. P1 P1 P2 USEREXPERIENCE& DESIGN TECHNICALARCHITECTURE& CONFIGURATION SOLUTIONDELIVERY& ROLLOUT Architecture Design Workshops SDLC&Governance Planning Dependency Coordination Development Sprints Quality Assurance Release Planning &Launch Readiness PERFORMANCEASSURED Business Value FUTURE PROOF Detailed Requirements Detailed Design Launch &Post Launch Support CUSTOMERFOCUSED QUALITY ENGINEERED Business Requirements Multi-ChannelPortal Solution Delivery Planning User Research Prototype & Designs Usability Testing Analyze &Monitor Analytics &Metrics Delivery Methodology
  27. 27. • BUS-S03: Consumer Engagement with Florida Blue and Exceptional Digital Experiences 27 Phani Kanakala Glenn Kline (Glenn.Kline@Perficient.com)
  28. 28. Additional Sessions © 2014 IBM Corporation 28 Date & Time Session ID Topic Monday, July 21 1:45 - 2:45 pm BUS - G02 Using Exceptional Digital Personas to drive Revenue Speaker: Mark Polly, Director, Portals, Content & Social, Perficient Tuesday, July 22 3:15 - 4:15 pm BUS - S03 Consumer Engagement with Florida Blue and Exceptional Digital Experiences Speakers: Phani Kanakala, Manager, Web and Mobile Team, Florida Blue Glenn Kline, Technical Director, Perficient Wednesday, July 23 3:15 - 4:15 pm BUS - G09 Healthcare Portals: 5 Core Practices to Make a Great Digital Experience Speaker: Mark Polly, Director, Portals, Content & Social, Perficient Wednesday, July 23 1:45 - 2:45 pm TECH-D17 Abstracting the UI Layer For WebSphere Portal Speakers: Brad Nunnally, UX Solution Architect, Perficient, Shyam Sunter, Technical Solution Architect, Perficient
  29. 29. © 2014 IBM Corporation For Additional Information IBM Digital Experience Solutions http://www-01.ibm.com/software/collaboration/digitalexperience WebSphere Portal and IBM Web Content Manager Information Center Wiki http://www-10.lotus.com/ldd/portalwiki.nsf/ IBM Digital Experience Demonstrations: http://www.youtube.com/user/IBMXWebX IBM Collaboration Services Business Solutions Catalog https://greenhouse.lotus.com/catalog/ 29