When clients need to pay their bills, eBilling offers a variety of options, including scheduled one-time and/or recurring payments. Insurance carriers can define which options are permitted by line of business or on a group-by-group basis. With consolidated invoicing, clients pay the consolidated amount with a few clicks, or they pay each invoice separately and with different payment methods. Insurance carriers can also use eBilling to capture binder payments immediately or hold them until the sale is complete.

eBilling increases the accuracy of the invoicing process by providing multiple options for adjustments. Insurance carriers create adjustment types and reasons with built-in business rules regarding prorating and approval. Clients adjust the bill on the fly and pay the adjusted amount, if permitted. For example, insurance carriers can define an adjustment reason for employment termination that allows the client to remove a person from the roster while enforcing prorating rules and reducing the amount due. Insurance carriers can also customize the way these adjustments work by line of business or per client.

Insurance carriers can also enable automated synchronization between the Platform’s online enrollment and eBilling systems. Clients compare point-in-time online invoices with the most current and approved enrollment data in real time. When a discrepancy exists, the system creates an automated adjustment, and clients pay the adjusted balance.

eBilling provides insurance carriers with a unique opportunity to reach customers through videos that display when they access their account online to pay their bills each month. Insurance carriers can use this functionality much like the paper invoice stuffer -- make announcements about new products, upsell clients on ancillary benefits or prompt them to turn off their paper bill. In addition, insurance carriers can target different videos and messages to different types of clients or even to specific clients.