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8:30 AM - HIMSS Europe
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e-Health 2025 Conference and Tradeshow
2025-06-01 - 2025-06-03    
10:00 am - 5:00 pm
The 2025 e-Health Conference provides an exciting opportunity to hear from your peers and engage with MEDITECH.
HIMSS Europe
2025-06-10 - 2025-06-12    
8:30 am - 5:00 pm
Transforming Healthcare in Paris From June 10-12, 2025, the HIMSS European Health Conference & Exhibition will convene in Paris to bring together Europe’s foremost health [...]
38th World Congress on  Pharmacology
2025-06-23 - 2025-06-24    
11:00 am - 4:00 pm
About the Conference Conference Series cordially invites participants from around the world to attend the 38th World Congress on Pharmacology, scheduled for June 23-24, 2025 [...]
2025 Clinical Informatics Symposium
2025-06-24 - 2025-06-25    
11:00 am - 4:00 pm
Virtual Event June 24th - 25th Explore the agenda for MEDITECH's 2025 Clinical Informatics Symposium. Embrace the future of healthcare at MEDITECH’s 2025 Clinical Informatics [...]
International Healthcare Medical Device Exhibition
2025-06-25 - 2025-06-27    
8:30 am - 5:00 pm
Japan Health will gather over 400 innovative healthcare companies from Japan and overseas, offering a unique opportunity to experience cutting-edge solutions and connect directly with [...]
Electronic Medical Records Boot Camp
2025-06-30 - 2025-07-01    
10:30 am - 5:30 pm
The Electronic Medical Records Boot Camp is a two-day intensive boot camp of seminars and hands-on analytical sessions to provide an overview of electronic health [...]
Events on 2025-06-01
Events on 2025-06-10
HIMSS Europe
10 Jun 25
France
Events on 2025-06-23
38th World Congress on  Pharmacology
23 Jun 25
Paris, France
Events on 2025-06-24
Events on 2025-06-25
International Healthcare Medical Device Exhibition
25 Jun 25
Suminoe-Ku, Osaka 559-0034
Events on 2025-06-30
White Papers

Using Customer Journey Maps to Improve Health Insurance Customer Loyalty

hipaa compliance
Using Customer Journey Maps to Improve Health Insurance Customer Loyalty
Executive Briefing
Author
Jim Tincher, Principal Consultant, HeartoftheCustomer
Jim@HeartoftheCustomer.com
Editor
Shane White, Director—New Projects, FC Business Intelligence

swhite@fc-bi.com

Overview

It’s a time of massive change for the healthcare industry. The Affordable Care Act accelerated the move to consumerism, requiring more of a focus on customer experience than ever before.
Even payers who have always focused on individual plans have to adjust. At the same time as new competitors enter the consumer market, they also have to support exchanges while their consumers demand more than ever. The good news is that companies that get the customer experience right are rewarded with growth, adding loyal customers while simultaneously lowering the cost to serve. But get it wrong–hide behind byzantine bureaucracy and incomprehensible rules–and market share drops rapidly as customers flee towards simpler plans. Watermark Consulting analyzed the stock price impact of customer experience, 1 and found that while the S&P benchmark increased by 14.5% from 2007 – 2012, customer experience laggards’ stock lost 33.9%. At the same time, customer experience leaders saw their stock rise by 43%.

A journey map is a visual display of an experience as a customer sees it. See Elements of a Journey Map on page 5 for an example. This customer view is what makes them so useful. Unlike a process map, steps that do not resonate with customers are left out, while other steps that do not  directly involve the sponsoring company are included. Journey maps are used for both business and consumer customers, although the research methods vary between the two audiences. Journey maps are used for experience design by many players in the healthcare industry, from the Mayo Clinic to UnitedHealthcare.

McKinsey & Company analyzed the importance of managing entire journeys versus managing individual touch points (such as the website or call center). They found that industry performance on journeys is “20% to 30% more strongly correlated with business outcomes, such as high revenue, repeat purchase, low customer churn, and positive word of mouth.”

The example map on page 5 shows a representative journey for a segment of consumers purchasing health insurance. Notice that eight of the first nine consumer steps do not involve Coolsure Insurance’s (a mythical health plan)people or systems. This is often the case in a purchasing journey, as consumers or employers use other resources for their research. Unfortunately, these steps often have more influence over whether the customer eventually buys than does a company’s website or its sales force.

A typical journey mapping project analyzes separate customer segments, with a unique map created for each. For example, a Fortune 100  company implements a new health care plan very differently than a 50-person software company. Trying to encapsulate both experiences as one journey results in a watered-down map that doesn’t accurately represent either customer segment.