Health care eligibility verification and settlement systems and methods
First Claim
1. A health care eligibility and settlement presentation instrument, comprising:
- an information encoding region from which information is readable by a point-of-sale device, the information encoding region having encoded therein one or more account designators that relate to at least two accounts, a first account being an eligibility account and a second account being a payment account, wherein transmission of a first account designator to a health care eligibility verification system initiates a process that results in the return of a health care eligibility verification packet to a provider, and wherein transmission of a second account designator initiates a process that results in payment of services to the provider.
7 Assignments
0 Petitions
Accused Products
Abstract
A method of verifying health insurance coverage eligibility for a patient includes receiving at a host computer system a message from a provider. The message includes a request for an eligibility and coverage information packet. The message identifies at least the patient and the provider. The method also includes using at least a portion of the information in the request to locate a payer associated with the patient and sending a message to a computing system of the payer. The message comprises a request to return to the host computer system the eligibility and coverage information packet. The method also includes receiving the eligibility and coverage information packet from the computing system of the payer and sending the packet to the provider.
290 Citations
18 Claims
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1. A health care eligibility and settlement presentation instrument, comprising:
an information encoding region from which information is readable by a point-of-sale device, the information encoding region having encoded therein one or more account designators that relate to at least two accounts, a first account being an eligibility account and a second account being a payment account, wherein transmission of a first account designator to a health care eligibility verification system initiates a process that results in the return of a health care eligibility verification packet to a provider, and wherein transmission of a second account designator initiates a process that results in payment of services to the provider. - View Dependent Claims (2, 3, 4, 5)
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6. A method of verifying health insurance coverage eligibility for a patient, comprising:
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receiving at a host computer system a message from a provider, wherein the message comprises a request for an eligibility and coverage information packet and wherein the message identifies at least the patient and the provider;
using at least a portion of the information in the request to locate a payer associated with the patient;
sending a message to a computing system of the payer, wherein the message comprises a request to return to the host computer system the eligibility and coverage information packet;
receiving the eligibility and coverage information packet from the computing system of the payer; and
sending the packet to the provider. - View Dependent Claims (7, 8, 9, 10)
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11. A system for verifying health insurance coverage eligibility for a patient, comprising:
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a host computer system;
means for communicating with providers; and
means for communicating with payers;
wherein the host computer system is programmed to;
receive a message from a provider, wherein the message comprises a request for an eligibility and coverage information packet and wherein the message identifies at least the patient and the provider;
use at least a portion of the information in the request to locate a payer associated with the patient;
send a message to a computing system of the payer, wherein the message comprises a request to return to the host computer system the eligibility and coverage information packet;
receive the eligibility and coverage information packet from the computing system of the payer; and
send the packet to the provider. - View Dependent Claims (12, 13, 14, 15)
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16. A method of settling a transaction relating to health care, comprising:
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receiving at a host computer system a transmission from a provider device, wherein the transmission comprises account identifier information from a member'"'"'s health care benefits presentation instrument;
using the account information to locate multiple balances relating to the member;
initially aggregating the balances and comparing a transaction to the resulting total;
further analyzing each balance independently and comparing each independent balance to the transaction total; and
transmitting an approval code to the provider device based on the comparison. - View Dependent Claims (17, 18)
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Specification