Insurers’ technologies: a win-win for all parties

Hundreds of millions of dollars are invested every year in technology platforms by insurers in Quebec – billions, even, if we consider their interests in new technologies in general. Digital and technological transformation is essential to keep up with trends, remain competitive and meet the advanced needs of the market. As impartial advisors, our clients deal with several insurers and group plan managers. We are fortunate to be able to assess the different platforms and services offered. We have observed that although there was a time when insurers dragged their feet when it came to technology, this has started to turn around. Their platforms meet the needs of companies and their employees. They are accessible, straightforward and efficient, and facilitate plan management.

For employers, the platforms offer:

• Access to member files
• The enrolment of new members
• Absenteeism management
• Monthly billing
• Access to management reports and forms
• Transaction history

For employees:

• Instant claim submission without paper or forms
• Direct deposit enrolment
• Repayment history
• Mobile access to their payment card for presentation to a pharmacy or clinic
• The drug cost simulator to check whether a drug is covered and estimate its cost
• Access to integrated services such as telemedicine as included in the plan