2. Aetna Voice Advantage Aetna Voice Advantage Next Generation: Voice of the Member Dottie Verkade August 10, 2006

3. Voice of The Member 2 Outside-in approach Staying focused on the consumer experience requires putting the people who use our services at the center of everything we do

4. Voice of The Member 3 Foundation: Excellence in execution of ‘the basics’ Aetna Consumer Experience Dimensions Wherever we touch our members, whether they reach out to us or we reach out to them, we want them to feel: Confident, reassured It is simple It is relevant Aetna is on my side “Ethic of Empathy”

5. Voice of The Member 4 Aetna Consumer Experience Dimensions Confident, reassured I always understand what’s going on, I have the information I need. I feel like I can make my own smart decisions. I never feel helpless It is simple It’s always straightforward, clear and to the point. I get it. It’s easy to deal with Aetna. I’m never confused It is relevant Information is timely & feels likes it’s meant for me, responsive to my needs. Aetna treats me like a person, not a “number”. Aetna is on my side It’s amazing. Aetna really seems to work hard to take my interests to heart. What the consumer feels

6. Voice of The Member 5 What is Aetna Voice Advantage: – Interactive voice response telephone system – Critical customer touch point - 60 million calls annually  Plan Sponsor and Provider Call Routing  Self Service  Automated Caller Identification – through Aetna Strategic Desktop ‘Voice of Aetna’

7. Voice of The Member 6 Aetna Voice Advantage- Award Winning 2005 Nuance Best Practice: Delivering Value through Differentiation, Innovation and Integration 2005 "Most Innovative Solution” award - Speech Technology Magazine 2003 Scansoft Best Practice Award

8. Voice of The Member 7 AVA Next Generation - Why Now? Aetna Growth – Increase call capacity – Current AVA hardware no longer manufactured – New open system hardware and software very scalable Flexible system that can react to consumer needs – Convergence of what members want and what speech technology can enable

9. Voice of The Member 8 Place the people who use our service at the center Guiding Principles: Reflects Brand Strategy – How we want customers to perceive us by voice, tone, prompts, approach Voice of the Customer – Market research, continuous member touch points during the design and testing cycles

10. Voice of The Member 9 Member Perceptions Why is voice technology such a disatisfier? – Cross industry challenge

11. Voice of The Member 10 # 3 your name 6 your number *69 ext. 4443 leave message ** “ARF! ARF!” [BEEP]

12. Voice of The Member 11 Why is it so hard? Would you like a window or aisle seat? If you know the flight number, say it now …Is that correct? Would you like to book a ticket or confirm a registration? When would you like to leave? And where are you traveling to? And what’s the reservation number? …Is that correct? When would you like to leave? When would you like to leave???

13. Voice of The Member 12 Saturday Night Live

14. Voice of The Member 13 Innovation Labs Partnered with Aetna Brand Management, Market Insights, Regional Market and National Accounts Four labs, 24 health care members - Aetna and other carriers Member insights early in the process - before any design concepts are determined – Shift in perspective, reveals needs and wants – Gain deep understanding of motivational factors – Reveals unarticulated needs and wants – How this fits in context of the member’s life

15. Voice of The Member 14 It's Not About My Money

16. Voice of The Member 15 Obtain Information: – “When I want to know what’s covered” – “Prescription coverage, find out if a medication is covered” Have a Problem: – “Information on outstanding claim, what are they going to pay” – “When something is denied” Simple Question: – “Change a doctor” – “Request a new ID card” Why Members Contact Us

17. Voice of The Member 16 Members Are Influenced By Mindset: – Members have issues before they call, expect a difficult interaction – Frustrated if previous calls were unsuccessful – IVR good for simple transactions Beliefs: – IVR benefits the company rather than the customer – Members believe they want a person because health care is too complex

18. Voice of The Member 17 Key Insight: Fast Service Members Want: – Pass information from IVR to Rep – No advertising, gets in the way – An IVR that isn’t too sensitive, background noise – Completion, will stay in if working toward completion

19. Voice of The Member 18 Key Insight: Ease of Use Members Want: – Fewer prompts, simplify interface – To use their own language and navigate by using their terms and phrases – Easily identify themselves, securely – Manipulate the IVR (pause, stop, etc) – To know they will receive information and be ready to write it down – Use voice and push button (confidentiality)

20. Voice of The Member 19 We Want To Tell You....

21. Voice of The Member 20 Key Insight: Reassurance and Efficiency Members Want: – The option to talk to a customer service representative  BUT they will use self service for simple things  They will stay in self service longer if they know they have the option to get a representative

22. Voice of The Member 21 The Return Policy

23. Voice of The Member 22 Key Insight: Trust Members Want: –How the voice sounds matters, health care is different –Accountability, confidence that call can be referenced in the future, call history –Treated with personal service –Expect a level of ID to occur, security of voiceprint or other technology expected

24. Voice of The Member 23 What Members Want

25. Voice of The Member 24 AVA Member The Art of the Possible Art of the Possible – Flash Demo

26. Voice of The Member 25