From the September/October 2012 issue of Treasury & Risk magazine

Silver AHA Winner in Best Green Strategies

Moving Healthcare Paperwork Online: Cigna Global Health Benefits

Even with medical records going online, the health business still kills a lot of trees. One reason is all those explanation-of-benefits letters (EOBs) insurers send. The problem was especially acute for Cigna Global Health Benefits, a $343 million subsidiary of Cigna Corp. that serves “globally mobile employees” of client firms, including the U.S. military, since it sends EOB documents abroad, adding international postage costs.

To tackle this problem and try to go green with EOBs, a 13-member team headed by treasury manager Joanne Hart was charged with developing an online system that would be simple, easy to read, and available worldwide on a Web site called Cigna Envoy. The first step was to survey customers to find out what they wanted, which turned out to be simplicity and the ability to opt-out and continue getting paper documents in the mail.

Hart explains that the decision to go green with the EOBs was “no easy task” and involved much communication with healthcare providers. “Our process for generating the EOBs and for issuing checks had to be completely re-evaluated,” she says. In addition, only about 40% of overseas customers have ready access to the Web.

One early decision was to make the forms available on the Web site as pdf files, so people who accessed them at locations other than their home or office, such as an Internet cafe, could print them out easily and take them home, instead of having to read them in detail while online. Cigna also arranged to wire reimbursements payments to customers who preferred not to receive paper checks.

The number of customers requesting paperless reports “exceeded expectations,” Hart says. “We were surprised at how many people opted out of paper even before we sent out our marketing blast on Jan. 27.” After three months, 12,000 customers, or about a fifth of the company’s user base, had opted to go paperless.

The project not only reduces Cigna’s carbon footprint but is expected to save the company a considerable amount of money on paper, printing and postage, especially international postage.

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