Health care debt financing system and method
First Claim
1. A patient health care financing method, comprising the steps of:
- computing fees and costs associated with specified health care services;
obtaining credit information for the patient; and
, issuing a health care consumer debt note for the patient for at least a portion of said computed fees and costs based on said obtained credit information.
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Accused Products
Abstract
A patient health care financing method can include the steps of: computing fees and costs associated with specified health care services; obtaining credit information for the patient; and, issuing a health care consumer debt note for the patient for at least a portion of the computed fees and costs based on the obtained credit information. In one aspect of the invention, the portion of the computed fees and costs can include an uninsured portion of the requested health care services. Additionally, the patient health care financing method can include the step of determining a cash value for the consumer debt note; and, paying a provider of the specified health care services with funds which correspond to the determined cash value. Finally, the health care financing method can include the step of selling the health care consumer debt note to a third-party investor. Notably, in one aspect of the invention, the health care consumer debt note can be an installment note.
87 Citations
21 Claims
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1. A patient health care financing method, comprising the steps of:
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computing fees and costs associated with specified health care services;
obtaining credit information for the patient; and
,issuing a health care consumer debt note for the patient for at least a portion of said computed fees and costs based on said obtained credit information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A health care financing system comprising:
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an interactive patient data collection interface for collecting demographic data associated with a health care patient, said patient data collection interface comprising editable text fields for collecting patient data, guardianship data, health care services fees and costs data, and demographic data, and read-only text fields for presenting health care debt financing data;
a credit worthiness data presentation screen for presenting credit history data electronically sourced from external credit information systems; and
,a credit report interface for reporting credit qualification data and notable credit related events based on said electronically sourced credit information. - View Dependent Claims (18)
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19. A machine readable storage, having stored thereon a computer program for financing patient health care, said computer program having a plurality of code sections executable by a machine for causing the machine to perform the steps of:
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computing fees and costs associated with specified health care services;
obtaining credit information for the patient; and
,issuing a health care consumer debt note for the patient for at least a portion of said computed fees and costs based on said obtained credit information. - View Dependent Claims (20, 21)
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Specification