Driving Engagement with Online Payments
Adding InstaMed Payment Feature to Cigna Claims
From the claim summary screen, customers repeatedly told us they wanted to be able to:
See how much they owed their provider
Pay a claim to a provider online
Mark a claim as paid if they had paid at the provider's office
Cigna partnered with InstaMed (a medical payment vendor) to allow payment directly to providers through their website. Our task was to integrate a Pay Now button and a Mark as Paid button for each claim on an already tight screen. This button would launch a new window, payment would happen, and the user would be returned to the site with the payment status updated.
Flow for User Test
I designed the flow to include stops for probing questions during user testing (orange stars). I created questions for the researchers to probe on including:
Do you know how much you owe?
What if you already paid some of what you owe at the doctor's office or a copay? What would you do then?
Would you ever make a partial payment and how would you want to do that?
Now that you are on InstaMed's site, who is InstaMed?
If your doctor didn't get paid, what would you do? Who would you call?
Designing the Summary Card
I began by trying different combinations of Pay Now and Mark as Paid. After the payment is made, the Pay Now becomes a green checkmark beside the word PAID.
After user testing
I created Axure prototypes to test the flows and during testing, we found that customers only wanted to know what they owed. I designed this layout that included "balance due." This tested well with customers.
The final design
One problem that arose was that when a customer arrives at a page full of "Balance Due" entries, it appears overwhelming.
The business decision was to reverse the thought process and show "My Payments" instead of Balance Due. The orange star is the final design.
I created the responsive designs in Sketch and hosted them on Invision where our developers used the Inspect feature to get guidance for coding.
As a designer, it is also my responsibility to take into account any accessibility considerations that the design can enhance. Here I am indicating the tab order I expect the developers to code.
Collaboration has been the key
This project was fun because of the multitude of stakeholders, the challenges with vendor integration, the prototyping, and the research opportunities. Also, the backend systems are complex, as are the plan designs.