hCenti v e                          Technology Solutions to Simplify Healthcare             WebInsure StateOverview of hCe...
hCent iv e                                    Technology Solutions to Simplify HealthcareTable of ContentsIntroduction    ...
hCent ive                                                                              Technology Solutions to Simplify He...
hC ent ive                                                                                                                ...
hC ent ive                                                                                  Technology Solutions to Simpli...
hCentive                                                                              Technology Solutions to Simplify Hea...
hCent ive                                                                            Technology Solutions to Simplify Heal...
hCent ive                                                                          Technology Solutions to Simplify Health...
hC ent ive                                                                         Technology Solutions to Simplify Health...
hCent ive                                                                         Technology Solutions to Simplify Healthc...
hCent ive                                                                            Technology Solutions to Simplify Heal...
hCent ive                                                                         Technology Solutions to Simplify Healthc...
hC e n t i v e                                                                            Technology Solutions to Simplify...
hCent ive                                                                         Technology Solutions to Simplify Healthc...
hCent ive                                                                          Technology Solutions to Simplify Health...
hCent ive                                                                           Technology Solutions to Simplify Healt...
hCent ive                                                                           Technology Solutions to Simplify Healt...
hCent ive                                                                        Technology Solutions to Simplify Healthca...
hCent ive                                                                           Technology Solutions to Simplify Healt...
hCent ive                                             Technology Solutions to Simplify Healthcare                     Get ...
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Transcript of "hCentive webinsure state"

  1. 1. hCenti v e Technology Solutions to Simplify Healthcare WebInsure StateOverview of hCentive’s State Exchange Solution
  2. 2. hCent iv e Technology Solutions to Simplify HealthcareTable of ContentsIntroduction 3Eligibility & Enrollment 5 Rules Engine 6 Eligibility Screening 6 Quotes & Subsidy 7 Evidence Management 8 Enrollment & Renewals 8 Life Status Change Management 9 Benefits Management 9SHOP Exchange 9 Employer Portal 10 Employee Portal 10Billing & Payments 11 Customer Billing 12 Health Plan Payments 12 Broker Payments 12 Employer Billing 12 Accounting Integration 13Exchange Portals 13 Broker Portal 13 Navigator Portal 14 Carrier Portal 14Customer Support 14Analytics & Reports 15Technology Overview 16 Security 17 Integration 17 Rule Engine Support 17 Hosting & Deployment 18 Browser Compatibility 18 System Performance & Fail-over 19Summary 19
  3. 3. hCent ive Technology Solutions to Simplify HealthcareIntroductionTo comply with the requirements of the Patient Protection and A ordable Care Act, states must launchhealth insurance exchanges that allow eligible state residents to search for, choose and buy healthinsurance, and small businesses to pool together their resources to reduce their insurance costs.The Department of Health and Human Services has required that states must meet two deadlinesregarding the launch of a state-run health insurance exchange: • "Readiness determination" deadline of January 1, 2013 and • Exchange "Go live" deadline of January 1, 2014.Our WebInsure State solution helps states comply with this requirement and timetable. We help states launch and operate an Exchange that: Helps state residents determine their eligibility to Exchange, State Medicaid, CHIP, Basic Health Plan and to Federal subsidies on purchase of Qualified Health Plans Helps state residents find and enroll in an affordable Qualified Health Plan that meets their specific needs Helps state residents maintain continuity of coverage Helps small businesses find affordable health plans that meet the needs of their employees in accordance with the Small Business Health Options Program (SHOP) Offers a simple, easy-to-understand experience designed for individuals who possess little or no knowledge of health insurance Operates cost-effectively and eliminates administrative complexity Meets all Federal and State regulations and timetables Connects all entities in the health insurance delivery process - consumer, carriers, state agencies, navigators/brokers etc. 3
  4. 4. hC ent ive Technology Solutions to Simplify Healthcare The WebInsure State helps those states seeking to: Design and build an end-to-end Insurance Exchange Incorporate Exchange modules into an existing infrastructure or design planThe WebInsure State consists of following modules and sub-modules: y Evidence Eligibilit g Managem Screenin ent Enr les ollm Ru ine ent En g Ren & ew als L t S ife em s en ag t C ta an ene M an han tus B ag ge em M Eligibility & Enro en llm t Qu bsid Sup omer en t rt Su ote y po st s& Cu Analytics Employee Reports Portal & SHOP Exchange WebInsure State er Payment Reports Portal Employ Billing & ts Ex en ch atio g m Na ortal an n n e ay Int ounti Po P g vig & P r tal g illi n ato egr s Acc B r g r llin ye Br orta Bi plo ok l P er Em Ca rr ker Po ier Bro ents rta Health m l Custome r Plan Pay Billing ts Paymen 4
  5. 5. hC ent ive Technology Solutions to Simplify HealthcareEligibility & Enrollment The WebInsure State Eligibility & Enrollment module is a complete Eligibility & Enrollment solution for individual, families, small employers and employees. Using WebInsure Eligibility & Enrollment Portal, Individuals & Families can: Determine their eligibility to Medicaid, CHIP, Basic health plan, Exchange plans and Federal subsidies Determine their eligibility to exemption from individual mandate Save eligibility information and complete eligibility process later Search and compare health plans Enroll self and family through filing an electronic application with the health insurer or state agency Submit applicants’ verification documents online e-App ‘Save and complete later’ E-sign the application Track the status of application online Complete semi-filled application by printing & fill it in by hand to submit it offline Submit paper application via e-mail or fax Pay via credit card, bank transfer, PayPal, check, or Health Reimbursement Accounts (HRAs) File for life status changes and re-determine their eligibility Manage renewals & terminations Using WebInsure Eligibility & Enrollment Portal, Small Employers can: Determine their eligibility to purchase health insurance in the Exchange Determine their eligibility for federal tax credits Set up employee enrollments Manage employee eligibility Decide cost sharing between employee and employer Configure related products (dental, vision, life, etc.) a business may want to offer its employees Manage renewals & terminations Manage employee information and benefits Make changes to enrollments if required Track enrollments by employees Brand employee enrollment portal with employer logo, company name, contact details, etc. 5 Manage bills & payments
  6. 6. hCentive Technology Solutions to Simplify HealthcareUsing WebInsure Eligibility & Enrollment Portal, Employees can: Enroll themselves and their family members in plans for which they are eligible Track their enrollment status online Add/Remove family members upon life changing events such as marriage, child birth, death, adoption, etc. Make changes to their enrollments during annual enrollment periods Manage terminations and renewals Pay via credit card, bank transfer, PayPal, check, Health Reimbursement Accounts (HRAs) or Health Savings Accounts (HSAs)Rules EngineWebInsure State Rules Engine maintains the rules repository for calculation of premiums and foreligibility determination and enrollment. It allows processing of individual’s household informationthrough the rules repository to come up with premium amounts and eligibility results.Rules engine offers the following features: Allows maintaining standardized rate sheets with effective dates Allows maintaining rules for eligibility determination for state programs, exchange plans and subsidies Allows maintaining rules for verification of information provided for eligibility and enrollment Allows premium calculation and verifications of individual/household information and eligibility determination based on rulesEligibility ScreeningEligibility Screening component of Eligibility and Enrollment solution is a shop for individual users todetermine their eligibility to Exchange plans, Medicaid, CHIP and Basic health plan. They will also beable to determine their eligibility to premium and cost sharing subsidies.Our solution supports real time eligibility determination and has a standard eligibility process withsome con gurability at bene t level. Individual is taken through an intuitive and structured eligibilitydetermination process.Eligibility Screening allows the following: Eligibility determination to Medicaid, CHIP, Basic Health Plan, Exchange plans and Federal subsidies (Premium and Cost sharing) Seamless integration with enrollment process Internal and External verification of eligibility information MAGI calculation and interface with IRS for income information based on taxes filed 6 Real time eligibility determination
  7. 7. hCent ive Technology Solutions to Simplify Healthcare Consistent customer experience Transmission of eligibility information to/from State agencies through HIPAA 270 Eligibility determination for exemption from individual mandate Navigator/Broker access to eligibility determination module Process appeals to eligibility decisions Eligibility determination for other public programs like food support, cash assistance, child care assistance and child support with minimal configuration/customizationQuotes & SubsidyThe WebInsure Quotes aims to enable consumers and small businesses to search, compare, decide,apply and enroll for state exchange insurance programs.This engine helps eligible state residents (individuals, families and small businesses) nd and purchasethe insurance plan that best meets their coverage and nancial needs taking into account any federalpremium subsidies that they are eligible for.It provides a unique, user-friendly online experience that has been speci cally designed to beunderstandable by individuals who possess little or no health insurance knowledge or experience.Connecting Individuals with the Plan that Best Meets Their NeedsFinding a health insurance plan isnt very hard to do. But nding the right health insurance plan is.Though there are hundreds of plans available, they are complex and very hard to understand.it is di cult to compare plans side-by-side, and health plan terminology is confusing. You never knowif you have asked all the right questions, and you cannot be certain about the answers.Thats why we have created a unique Web destination that goes beyond todays "health plan searchengines." Our health insurance exchange platform contains intuitive comparison and lter tools and astate-of-the-art hCentive Health Insurance Decision Engine to help individuals select and purchasethe health plan that best meets their needs.Individuals & Employers can: Research available health plans under various benefit levels Platinum, Gold, Silver, Bronze Generate quotes based on various parameters, e.g. DOB, smoker, pregnant etc. Review and understand health plans, options and costs View and compare plan details Download and e-mail plan details to third parties 7 Compare plans on key benefit and cost parameters
  8. 8. hCent ive Technology Solutions to Simplify Healthcare Get plan recommendations based on projected medical and health needs Sort & filter by various parameters, e.g. Deductible, Co-pay, Co-insurance, Out-of-pocket maximum, Premium, in-network doctors, etc. Connect instantly to a customer help line or licensed insurance brokers for assistanceEvidence ManagementEvidence Management helps state residents and employers upload and maintain evidence forveri cation by state personnel during the enrollment or life status change process.State residents or employers will be able to upload acceptable documents as evidence to supporttheinformation provided by them. State personnel can then access the documents online and verifyinformation provided and accept/reject applications or request for additional evidencve.Evidence Management allows the following: Seamless integration with enrollment, life status change process Upload evidence saved in user account for later use State personnel can review documents online, download them, and add comments to them which can also be viewed by the individual who submitted the documentEnrollment & RenewalsUsing Eligibility and Enrollment solution State residents can enroll themselves into Medicaid, CHIP,Basic Health Plan or in Exchange individual or group plans. Our solution has a standardizedenrollment process for individual enrollments, which is con gurable to some extent at bene tprogram level. Residents can also renew their enrollments for upcoming plan years through a userfriendly and intuitive renewal process.Enrollment & Renewals cover the following: Selection of health bene t plans Decision support tools to assist in plan selection Enrollment in health bene t plans for which eligibility is established Transmission of enrollment information to/from carriers and state agencies through HIPAA 834 Enrollment status updates based on veri cations and actions by carriers and state agencies Process renewals, disenrollment and terminations Noti cations to individuals, employers, employees, carriers and state agencies and federal agencies (in case of tax credit) on changes in enrollment status 8 Enrollment into health bene t plans limited to initial and open enrollment periods
  9. 9. hC ent ive Technology Solutions to Simplify HealthcareLife Status Change ManagementLife status change management allows State residents to le for changes in their family or life statuswhen they occur even when enrollment is not open. User has to ll a simple life status change formand our solution re-determines their new eligibility in real time and noti es carrier or state agencyabout the life status change. Any change is enrollment status is communicated to the individual forfurther action.Life status change management allows the following: Seamless integration with eligibility & enrollment module and user pro le for eligibility redetermination Structured and intuitive life status change process Print and ll life status change forms for o ine lingBenefits ManagementWebInsure State Bene ts Management allows managing multiple bene ts in additional to medicaland health like dental, vision, life insurance, parking, 401k etc. Small employers can o er theseadditional bene ts to their employees and employees can enroll themselves and their familymembers into these additional bene ts. Bene ts Manager allows enrollment and administration oftheseSHOP ExchangeSHOP Exchange help states launch and operate an exchange that: Helps small businesses nd a ordable health plans that meet the needs of their employees in accordance with the Small Business Health Options Program (SHOP) O ers a simple, easy-to-understand experience designed for individuals who possess little or no knowledge of health insurance Operates cost-e ectively and eliminates administrative complexity Meets all federal and state regulations and timetablesStates have the option to operate separate exchanges for consumers and small businesses, or to o era single combined exchange. 9
  10. 10. hCent ive Technology Solutions to Simplify HealthcareEmployer PortalEmployer portal helps small businesses determine their eligibility for exchange and nd theinsurance plan that best meets the coverage and nancial needs of the business and its employees.It provides a unique, user-friendly online experience that has been speci cally designed for smallbusiness owners.Small Business owners (or authorized personnel) can: Determine eligibility to Exchange De ne xed or percentage based contribution Con gure related products (dental, vision, life, etc.) that a business may want to o er its employees Determine eligibility to federal tax credits Find available health plans Screen plans that cover all employee zip codes Review and understand health plans, options and costs to employer and employee Sort & lter based on various parameters, e.g. Deductible, Co-pay, Co-insurance, Out-of-pocket maximum, Premium, etc. View Plan details, download, compare, and e-mail to other employees whose input may be important in the plan selection process De ne enrollment period O er plan(s) to employees Manage employee information and bene ts Make changes to enrollments if required Track enrollments by employees Brand employee enrollment portal with employer logo, company name, contact details, etc. Connect instantly to a customer help line or licensed insurance brokers for assistanceEmployee PortalEmployee portal allows small business’ quali ed employees to enroll themselves and their familymembers in various plans made available to them by their employer, track their enrollments and makechanges to their enrollment during open and special enrollment periods. 10
  11. 11. hCent ive Technology Solutions to Simplify Healthcare Using Employee portal, employees can: Enroll themselves and family members Review plan details; compare plans if more than one plan choice is o ered by the business Use recommendation engine to decide which plan to enroll in if more than one plan choice is o ered by business Decline/waiver employer coverage View employer and employee portions of the premium Select amount of funds they want to contribute to HSA (Health Savings Account) Select amount of funds they want to contribute to FSA (Flexible Savings Account) Track their enrollment status online Add/Remove family members upon life changing events such as marriage, child birth, death, adoption, etc. Make changes to their enrollments during annual enrollment periods Manage terminations and renewalsBilling & Payments The WebInsure State allows the insured individual/employee, small business, federal agency or carrier to receive invoices and make payments simply and easily. Our solution supports multiple payment modes like credit card, account debit, paycheck deduction, payment through checks and direct billing and reconciliation of payments from all parties. WebInsure State allows the following: Allows individual to pay via credit card, bank transfer, or payroll deduction Collects payment contribution from employers Collects subsidy portion from state and federal programs Collects payments from Health Reimbursement Accounts (HRAs) and Health Savings Accounts (HSAs) Submits nal payment to insurer upon approval Provide remittance information to insurers Billing to individuals/households, employer, employees, Federal agencies, Navigators/brokers and carriers Aggregation of payment from di erent entities Noti cations in the event of non-payment by any party when it is due Noti cations to federal agency about any changes in enrollment that impact subsidy payments 11
  12. 12. hCent ive Technology Solutions to Simplify HealthcareExchange payments solution has the following sub modules.Customer BillingWebInsure State supports timely generation of bills to customer when premium becomes due. Billsare sent using customer’s preferred mode of communication and can also be accessed via customer’sonline account.Customer Billing covers the following: Seamless Integration with enrollment module for billing amount Bill access through user account Tracking of previous bills and dues Bill generation based on user preference - paper billing, email etc. Reconciliation with customer paymentsHealth Plan PaymentsWebInsure State supports collection and aggregation of payment from customers and making pay-ments to carriers.Health Plan Payments cover the following: Aggregation of customer payments and tax credits from federal agency Applying exchange fee adjustments Payment to carriers Remittance information to carriersBroker PaymentsWebInsure State supports collection of broker commission from carriers for all enrollmentsthrough brokers.Broker Payments covers the following: Calculation and Aggregation of broker commission Applying exchange fee adjustments if any Payment to brokers Remittance information to brokersEmployer BillingWebinsure State supports timely generation of bills for employer contribution when it becomes due.Bills are sent using customer’s preferred mode of communication and frequency. 12They can also be accessed via employer’s online account.
  13. 13. hC e n t i v e Technology Solutions to Simplify HealthcareEmployer Billing covers the following: Seamless Integration with enrollment module for billing amount Billing access through user account Tracking of previous bills and due bill Bill generation based on user preference - paper billing, email etc. Reconciliation with employer payments Our solution also supports noti cations to employers about employees that receive federal subsidies on individual exchange plans, so that employers can make their share of the payments.Accounting Integration WebInsure State is integrated with a general ledger system that is updated with every nancial transaction that occurs on exchange. This general ledger provides data for report generation for various entities.Billing & Payment Reports WebInsure State allows generation of ad hoc and periodic billing and payment reports. Subsidy, premium, exchange fee, brokerage payments are reconciled and payment data is used to generate reports for the entities involved. These reports are sent to the users through email or in paper form. They can also be accessed via the online account.Exchange PortalsBroker Portal Broker Portal allows certi ed Agents and Brokers to assist exchange customers. The Portal acts as a complete prospect/client management tool.Using Broker Portal Agents can: Manage list of prospective customers, both individuals and small employers, including their contact details, status, etc. Search exchange plans on behalf of clients Determine their eligibility to any federal subsidies on exchange plans Send proposals to clients through the System Start application on behalf of clients Check the status of a submitted application General agent & account executives can monitor sub-broker’s sales activities 13 Manage broker commissions from carriers
  14. 14. hCent ive Technology Solutions to Simplify HealthcareNavigator PortalNavigator portal allows certi ed Navigators to assist state residents to nd the right health insuranceprogram and enroll in it.Using Navigator Portal Agents can: Determine eligibility to Medicaid, CHIP, Basic Health Plan, Exchange Plans and Federal Subsidies on behalf of individual Manage list of cases they are assisting, both individuals and small employers, including their contact details, status, etc. Search plans for a case Create proposals for cases and print, fax, or email Fill application for a case Check the status of a submitted application Raise and track support tickets for a case Update payment information for a case File life status change for a caseCarrier PortalCarrier Portal allows carriers to upload their plan bene ts, rates and other related information anddocuments to request certi cation from exchange. It also allows carriers to manage their product onan ongoing basis and track their product sales through exchange.Using carrier portal, carriers can: Add/Update new rates and products Add product information and brochures Request certi cation of plans Track status of plan certi cation request Test health plan bene ts and rates prior to production release Manage agents, brokers and agencies Maintain broker commissions Track enrollments to their plans Generate reports Manage carrier portal users 14
  15. 15. hCent ive Technology Solutions to Simplify HealthcareCustomer Support Exchange users i.e. individuals, small business, brokers, navigators, carriers, at any point should be able to access Exchange customer support sta through various media like chat, phone, online and report any technical or functional issue they are facing during their exchange interactions. Our Customer support solution o ers tracking and resolution to these issues in the quickest way possible. Our Customer Support solution provides for the following: Live chat Ticket creation through multiple media email, call and web form Ticket tracking and management Ticket assignment Managing customer support users Representation on behalf of user to resolve issues ReportingAnalytics & Reports Capturing and understanding key metrics helps monitor performance of the exchange and make important strategic decision regarding exchange operations. WebInsure State provides a range of accurate and timely reports centered around the following metrics: Segmentation of customers by: Age Gender Income demographics Profession (student, working family, small business owner, etc.) Geography Traffic Source Analysis by: Search engine Social media Brokers Traffic Trend Analysis Is the tra c increasing? 15
  16. 16. hCent ive Technology Solutions to Simplify HealthcareConversion Trend Analysis Which Carriers or policies are most popular for a particular consumer segment?Financial Reporting Receivable and payable reports Fund collection reports Reconciliation reportsOut-of-box integration with Google Analytics to provide full power of Web analyticsTechnology Overview 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 All these key principles allow our solution to provide following short term and long term bene ts: Ability to quickly meet customer demands Lower costs associated with the acquisition and maintenance of technology Leverage existing investments in technology Reduce reliance on expensive custom development Provide the ability to build composite applications Create a self-healing infrastructure that reduces management costs Provide a data bridge between incompatible technologies Enhance reliability and extensibility 16
  17. 17. hCent ive Technology Solutions to Simplify HealthcareSecurityWe employ rigorous security standards to protect your data. Both you and your users access oursystem through secure web portals and interfaces. From authentication to role-based authorizationand session security, every aspect of protecting customer information is closely managed. Allcustomer data is encrypted during transmission and storage. Our solution is highly secure to protectcustomer information and meet compliance regulations.We also restrict all external interactions with our data center to a limited number of secure ports. Sincethese are the only routes by which data moves in and out of the data center, our infrastructure isextremely di cult to in ltrate.IntegrationOur solution is based on component-based design, where each component is interfacess with othercomponents via a de ned contract (API). Important attribute of components is that they aresubstitutable; so that a component can replace another if the successor component meets therequirements of the initial component (expressed via the interfaces). Consequently, components canbe replaced with either an updated version or an alternative without breaking the system in which thecomponent operates.This design provides an option to replace existing components with their alternative if needed byproviding an adapter implementation. Our architecture includes plug-ability with various customadapters to provide integration with external system and third party services. Our system currentlyintegrates with external systems via Web-services (REST/SOAP), Messaging systems, Single Sign-onsolutions and Administrative and Underwriting systems.Rule Engine SupportKeeping in mind the con gurability of the solution and exibility to support di erent business rules(without much development) we have employed JBoss Drools into our solution. This provides us thecapability to add and deploy new business rules (de ning eligibility criteria for various programs andproducts) to our “Eligibility Engine”.Also for our “Quotes Engine” where there are di erent rules for calculating rates for various products ofcarriers, we have used JBoss Drools - Rule Engine to develop our rating engine.Adding a support of new carrier and their products in our Quote-Engine is as simple as con guring anew rule (drools based rule) into our system. This makes our Quote Engine highly manageable foradding/updating rules in the system without any downtime. 17
  18. 18. hCent ive Technology Solutions to Simplify HealthcareHosting & DeploymentWe support various deployment model with full support and maintenance capabilities for all solutions-Onsite Hosting:Our solution is built on Java/J2EE based stack, is platform independent and can be hosted on di erentplatform/OS. No development level changes are required for migrating the application to di erentplatform/OS. We can install the system at your data center, using our proven processes.We work with your IT sta to learn about your infrastructure, technology standards and processes,network bandwidth, and security policies and procedures, ensuring a successful installation.Browser CompatibilityOur solution is built using the latest web standards and supports most modern browsers as well asolder systems. In particular, Our solutions also support popular mobile devices like iPhone, Android,BlackBerry, Windows mobile and any other phone with a modern browser. Please refer to table belowfor compatibility of our product on di erent browsers and operating systems.Microsoft® Windows® Operating System IE7 IE8 IE9 Firefox 3.5+ Chrome10+ Safari 4+ Windows XP Windows Vista Windows7Apple® Mac OS® Operating System - Mac OSX 10.5 Firefox 3.5+ Chrome10+ Safari 4+ Mac OSX 10.5 "Leopard" Mac OSX 10.6 "Snow Leopard" 18
  19. 19. hCent ive Technology Solutions to Simplify HealthcarePlease note that Web browsers and Operating Systems are continually upgrading, and while we willstrive to ensure compatibility with these new updates prior to o cial releases, we do not support any“Beta” versions.System Performance & Fail-overOur solution architecture is exible and scalable to support the high volumes of users. Fault toleranceand redundant servers prevent downtime and ensure reliability. Our solution is based on three-tierarchitecture and is designed keeping in mind best design principles for scalability. It is possible toscale web-tier or services-tier separately when required. Caching is highly used in the application toavoid any un-necessary hits to database/services. Fail-over of all layers are in place to avoid any issuesto end user in case of any server failure.Horizontal scaling: It is possible to add more servers to scale application horizontally. Application isdesigned keeping this requirement in mind. User requests do not rely on session data and henceapplication server level clustering is not required. This avoids any performance overhead needed forserver clustering. System monitoring scripts handle the launching of any new server.Vertical scaling: Our applications are hosted on cloud platform. Scaling application vertically do notrequire any application level changes.SummaryWebInsure State supports almost all features required to implement and run a Health InsuranceExchange successfully and within the strict timelines imposed by ACA. These features arecustomizable by State, and supported by the best technology and design principles. For Further Reading & Questions: www.hcentive.com 19
  20. 20. hCent ive Technology Solutions to Simplify Healthcare Get the hCentive AdvantageCorporate HeadquartershCentive, Inc.12355 Sunrise Valley Drive, Suite 630Reston, Virginia 20191Contact UsPhone: 800-984-7952Sales: sales@hcentive.comSupport: media@hcentive.comPartnerships: partnerships@hcentive.com 20

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