October 2016 | 2 weeks | Academic project for Design Strategy
CLIENT A third-party administrator for health insurance
TEAM AnnaRose Girvin | Daniel Newman | Rishabh Bhardwaj | Myself
MY ROLE User Research | Ideation | Prototyping
Our client administers health plans on behalf of companies that self-fund their employee’s health benefit. They process claims and provide customer service to members. An excellent member experience makes our client stand out from other third-party administers.
Our client wanted to design a better way for members to understand what they owe and what they have paid for their care.
Currently, in the Explanation of Benefit (EOB), “Your Responsibility” shows the amount that isn't covered by the insurance, but it doesn’t tell the member exactly how much he/she still owes the doctor. How can we clarify this for members?
As a team, we created this journey map together to unify our understanding of the member experience and painpoints during a medical event, based on our conversations with the client, our secondary research, and inevitably our personal experience.
Before we start thinking about solutions, we want to first understand the bigger picture of the healthcare industry, so we created this stakeholders map to comb through the relationships between major players.
Providers are not obligated to provide payment information to the insurance administrator, and it’s unlikely that any incentives will make them do so.
The insurance administrator relys on the providers network for connections with providers, and can't afford to lose the core partnership.
The insurance administrator needs to rely on members for their payment information, but putting the burden on members hurts the member experience.
We started ideating as soon as we had a basic understanding of the problem and constraints:
the insurance administrator needs to get the payment information from members, without burdening them.
Trying to encourage members to self-report their doctor’s office visit or any health events, we looked into all the touch points in the journey map again and thought about how we can detect their activities, prompt them to self-report at the right moments, and provide adequate incentives.
The biggest drawback of Concept A is that self-reporting requires extra efforts from members. With Concept B, we want to reduce the extra efforts to the minimum.
During the early stage of exploring the problem space and solutions, we knew we had made lots of assumptions. Now we wanted to validate these assumptions by talking to the stakeholders.
Dani
Health Insurance Customer Service Representative, also a HSA holder
Kevin
Kidney Transplant survivor, has two health insurance policies, also a HSA holder
We showed Dani and Kevin our journey map, and asked them to fill in any information or painpoints that we missed. We also walked them through our early concepts, and discussed why these concepts might or might not work.
After extracting insights from the interviews, we decided to focus on developing Concept B and keep Concept A as supporting features.
Given limited time, we couldn’t afford to further develop both concepts. We made a comparison between the two and found Concept B to be more effective and providing a smoother member experience.
Healthcare Card lets members access both their HSA and checking account, but how can they specify which account to be used for each transaction? How can they know which account will be used during an transaction?
Whenever a member pays with his Healthcare Card at the doctor’s office, this transaction creates a touchpoint for the insurance administrator to facilitate documenting medical procedures, which can benefit the member in several ways.
We put together a cohesive user story to illustrate the member experience that our concept would support, and how it addressed our client’s ask.
After getting client’s feedback from the pitch, we did another round of rapid iteration before presenting to the client again in two days.
Behavioral change
Introducing the All-in-One Healthcare Card to members will change their behaviors in many ways. How can we ensure a smooth transition into the new behaviors?
Financial system
To implement this All-in-One Healthcare Card, will the insurance administrator become a financial institution? How does this new card work within the current financial system?
In response to the behavioral change issue, we thought about how to guide members to adopt the new card one step at the time. In the first step — deliverying the new card — we used this booklet to explain to members: what is this new card, how it can be useful, and how to set it up.
Also in response to the behavioral change issue, we reconsidered our approach to enabling members to specify payment methods.
We understand that becoming a financial instituion or credit card company is risky for our client and not in line with their business goal, so we figured out a way to make the new card work within the constrains of the current financial system.
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© 2019 Yiying Yang