Method, system, apparatus and computer readable medium for preparing insurance claims for retail activites
First Claim
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1. A coupon system for preparing insurance claims for retail activities, relating to first and second products, said first and second products providing substantially the same benefits, and said first product costing less than said second product, comprising:
- a coupon that provides a discount to an end user to use said first product, said coupon being provided to said end user as a result of said end user'"'"'s use of said second product so that said end user will use said first product instead of said second product, wherein a third party has a business interest in said user'"'"'s switch from use of said second product to use of said first product.
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Abstract
The present invention is directed to a method, apparatus and computer readable medium for reducing health care costs by creating an incentive for patients to choose the most economical, yet fully effective health care option.
78 Citations
107 Claims
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1. A coupon system for preparing insurance claims for retail activities, relating to first and second products, said first and second products providing substantially the same benefits, and said first product costing less than said second product, comprising:
a coupon that provides a discount to an end user to use said first product, said coupon being provided to said end user as a result of said end user'"'"'s use of said second product so that said end user will use said first product instead of said second product, wherein a third party has a business interest in said user'"'"'s switch from use of said second product to use of said first product. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A coupon system relating to first and second products, which provide substantially the same benefits, comprising:
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a coupon for a discount on said first product, which is provided to an end user based on said end user'"'"'s previous purchase history relative to said second product, a record of the redemption of said coupon, an insurance claim for said discount linked to said end user. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. A computer readable medium for preparing insurance claims for retail activities, the computer readable medium having one or more computer modules executable on one or more computer processors, the computer modules carrying out the following acts:
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retrieving information about a patient from a memory, processing said information to identify a first product that was used by said patient, identifying a second product, where said second product provides substantially the same benefits as said first product, and where the cost of said second product is reduced relative to the cost of said first product, preparing a coupon for said patient to induce said patient to purchase said second product instead of said first product, determining whether said patient used said coupon. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
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45. An apparatus for preparing insurance claims for retail activities, the apparatus comprising:
one or more computer processors that receive patient information for a first patient, store said patient information in memory, evaluate said patient information for the first patient to identify payment for a first product, where said first product has substantially the same effects as a second product, and where the cost of said second product is reduced relative to the cost of said first product, and prepare a coupon for the first patient, said coupon providing a discount for said second product. - View Dependent Claims (46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60)
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61. a computer readable medium for preparing insurance claims for retail activities, the computer readable medium having one or more computer modules executable on one or more computer processors, the computer modules carrying out the following acts:
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receiving information about a coupon, said coupon being prepared specifically for a patient, at least in part as a result of a first health care purchase by said patient, where a second health care purchase provides substantially the same benefits as said first health care purchase, and where the cost of said second health care purchase is reduced relative to the cost of said first health care purchase, and redeeming said coupon for a discount on said second health care purchase. - View Dependent Claims (62, 63, 64, 65, 66, 67, 68, 69, 70, 71)
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72. a computer readable medium for preparing insurance claims for retail activities, the computer readable medium having one or more computer modules executable on one or more computer processors, the computer modules carrying out the following acts:
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receiving information about health care expenses that a patient has incurred, storing said information in memory, evaluating said information to determine a recurring health care expense that could be beneficially replaced by an alternate treatment, and preparing a coupon for said patient for a discount on said alternate treatment. - View Dependent Claims (73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 93)
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88. a computer readable medium for increasing sales, the computer readable medium having one or more computer modules executable on one or more computer processors, the computer modules carrying out the following acts:
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identifying a user of a first product, where said first product provides substantially the same benefits as a second product, and where the cost of said second product is reduced relative to the cost of said first product, preparing a coupon for said user to induce said user to purchase said second product instead of said first product, providing said coupon to said user, and receiving reimbursement for said coupon from a third-party financer. - View Dependent Claims (89, 90, 91, 92, 94, 95, 96, 97, 98, 99, 100, 101, 102)
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103. a computer readable medium for preparing insurance claims for retail activities, the computer readable medium having one or more computer modules executable on one or more computer processors, the computer modules carrying out the following acts:
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receiving information about a coupon from a retailer, said coupon prepared for an end user based on a health history for said end user, reimbursing said retailer for the face value of said coupon, evaluating data on said coupon indicating said end user who used said coupon, compiling said data in memory, creating a report of redemption of said coupon after said coupon is redeemed, said report being compatible with an insurance claim system, and getting reimbursement for said coupon. - View Dependent Claims (104, 105, 106, 107)
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Specification