Method and system for providing healthcare insurance
First Claim
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1. A method demonstrating the affect of changes to a healthcare plan, including the steps of:
- collecting information describing characteristics of a current plan;
inputting the information into a computing device having a display;
generating characteristics of a proposed plan, including a primary component and a supplemental component; and
displaying the characteristics of the proposed plan on the display.
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Abstract
A method and system for providing healthcare benefits according to the present invention may include a proposed healthcare plan having a primary component, a supplemental component, and a procedure for optimizing services consumption which is presented and customized “on-the-fly” to benefits providers, such as employers, and administered in an efficient manner that reduces the claims processing burden on individuals or families covered under the proposed plan.
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Citations
52 Claims
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1. A method demonstrating the affect of changes to a healthcare plan, including the steps of:
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collecting information describing characteristics of a current plan;
inputting the information into a computing device having a display;
generating characteristics of a proposed plan, including a primary component and a supplemental component; and
displaying the characteristics of the proposed plan on the display. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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22. A method of providing healthcare benefits to a population of individuals who reside and consume healthcare services in a health economic zone, including the steps of
determining characteristics of a current plan for healthcare benefits; -
designing a primary component that provides a decreased level of benefits to the individuals relative to the current plan;
designing a supplemental component that offsets at least a portion of the decreased level of benefits provided by the primary component;
identifying a first group of individuals from the population likely to generate expensive healthcare claims relative to other individuals in the population based on data representing past healthcare claims generated by the individuals in the population;
periodically determining whether individuals in the first group have obtained healthcare services that satisfy predetermined requirements;
identifying a first group of providers in the health economic zone who provide high quality, cost efficient healthcare services relative to other providers in the health economic zone based on data representing past practice patterns of the first group of providers and the other providers; and
prompting patients who have not obtained healthcare services that satisfy the predetermined requirements to obtain additional healthcare services to satisfy the predetermined requirements from providers in the first group of providers. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29, 30)
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31. A structure for processing claims of employees covered under a healthcare plan having a primary component and a supplemental component, including:
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a primary TPA who receives a claim from a healthcare provider, provides a primary payment to the provider based on characteristics of the primary component of the plan, and provides a primary EOB to an employee associated with the claim; and
a supplemental TPA who receives the primary EOB from the employee, provides a supplemental payment based on characteristics of the supplemental component of the plan, and provides a supplemental EOB to the employee. - View Dependent Claims (32, 33)
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34. A structure for processing claims of employees covered under a healthcare plan having a primary component and a supplemental component, including:
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a primary TPA who receives a claim from a healthcare provider, provides a primary payment to the provider based on characteristics of the primary component of the plan, and provides a primary EOB to an employee associated with the claim; and
a supplemental TPA who provides a supplemental payment based on characteristics of the supplemental component of the plan, and provides a supplemental EOB for communication to the employee;
wherein the primary TPA also provides a primary EOB to the supplemental TPA. - View Dependent Claims (35, 36, 37, 38, 39, 40)
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41. A method of administering healthcare benefits to employees including the steps of:
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providing a primary component of a healthcare plan which pays a first benefit as a result of a healthcare claim of an employee;
providing a supplemental component of the healthcare plan which pays a second benefit as a result of the healthcare claim if the first benefit does not satisfy the claim;
providing a flexible spending account; and
withdrawing available funds from the flexible spending account if payment of the second benefit does not satisfy the claim. - View Dependent Claims (42, 43, 44)
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45. A system for demonstrating the affect of changes to a healthcare plan, including:
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a computing device having an input device and a display; and
software configured for operation on the computing device, wherein the software enables a user to input information describing characteristics of a current plan into the computing device via the input device, enables the computing device to generate characteristics of a proposed plan, including a primary component and a supplemental component, and enables the computing device to display the characteristics of the proposed plan on the display in a format showing a cost savings of implementing the proposed plan, relative to a cost of the current plan.
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46. A method of administering healthcare benefits to employees including the steps of:
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providing a primary component of a healthcare plan which pays a first benefit as a result of a healthcare claim of an employee;
providing a supplemental component of the healthcare plan which pays a second benefit as a result of the healthcare claim if the first benefit does not satisfy the claim;
providing a benefit bank corresponding to the employee, the benefit bank including funds available to the employee to purchase other benefits as selected by the employee. - View Dependent Claims (47, 48, 49, 50)
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51. A method demonstrating the affect of changes to a healthcare plan, including the steps of:
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collecting historical healthcare claims data;
calculating an actual cost associated with the historical healthcare claims data during a previous time period;
generating characteristics of a proposed plan, including a primary component and a supplemental component;
applying the proposed plan characteristics to the historical claims data to determine a second cost that would have been associated with the historical claims data under the proposed plan; and
displaying on a display a comparison of the actual cost to the second cost. - View Dependent Claims (52)
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Specification