Abstract: In embodiments, a health insurance computer application enterprise system is provided employing a service oriented architecture (SOA) with a service granularity component that dynamically customizes a reusable service based on one or more of user identity element, service data elements, and service action elements parsed from service request parameters. The health insurance enterprise system includes a plurality of applications making use of functionality provided by a reusable service. In an embodiment, the health insurance enterprise system includes a customer service application, a consumer web portal application, and an integrated voice response (IVR) application. The applications provide different channels of communicating health insurance data to various health insurance system constituents by presenting customized views of the data tailored to a given communications method, user access rights, as well as other factors.

Abstract: Systems, methods and computer-readable media for assisting consumers to enroll in a health plan in an online environment. Data comprising residence information, date of birth information and gender information of a consumer is received. Data comprising a type of health insurance product selected by the consumer is received. Data comprising physician information selected by the consumer is received. Result information is retrieved from one or more databases. The result information includes one or more health insurance plans of the type selected by the consumer, and information describing whether physicians associated with the physician information selected by the consumer are included within a network of each of the health insurance plans. The result information is displayed to the consumer. A request from the consumer to enroll in one of the health insurance plans is received.

Abstract: Systems, methods and computer-readable media for transferring control over input of data to electronic forms. An electronic insurance application form including a plurality of form fields for receiving input data is displayed to a consumer. Control over input of data to the form fields is associated with an identifier of the consumer in an access control table for the electronic insurance application form. A request to transfer control over input of data to the form fields to an insurance agent is received from the consumer. The access control table for the electronic insurance application form is updated to associate control over input of data to the form fields with an identifier of the insurance agent. Data describing the electronic insurance application form is transferred to the insurance agent.

Abstract: A system for real-time health care insurance underwriting is described comprising a quotation module, a verification module, and an underwriting module. The quotation module receives user input relating to a user's health status via an online user interface. The verification module verifies the user input against information stored in a database to form a list of inconsistencies and present the user via the online user interface with a request to validate at least some information within the user input. The underwriting module automatically creates a debit score based on one or more of at least a portion of the user input and the validated information and generates an underwriting decision based at least in part on the debit score. The quotation module presents one or more offers to sell insurance to the user via the online user interface, the one or more offers based on the underwriting decision.

Abstract: In embodiments, a health insurance computer application enterprise system is provided employing a service oriented architecture (SOA) with a service granularity component that dynamically customizes a reusable service based on one or more of user identity element, service data elements, and service action elements parsed from service request parameters. The health insurance enterprise system includes a plurality of applications making use of functionality provided by a reusable service. In an embodiment, the health insurance enterprise system includes a customer service application, a consumer web portal application, and an integrated voice response (IVR) application. The applications provide different channels of communicating health insurance data to various health insurance system constituents by presenting customized views of the data tailored to a given communications method, user access rights, as well as other factors.