Estimating benefit plan costs
First Claim
1. A computer-implemented method comprising:
- aggregating historical transactions for a consumer, each transaction being associated with services or products provided to the consumer;
automatically identifying one or more benefit plans available to the consumer, the benefit plans providing payment for predetermined services or products provided to the consumer;
automatically determining, for each identified benefit plan, a cost that would be incurred by the consumer if the consumer used the benefit plan for payment of the transactions; and
transmitting data indicating costs associated with at least one benefit plan.
2 Assignments
0 Petitions
Accused Products
Abstract
A method may aggregate historical transactions for a consumer, each transaction being associated with services or products provided to the consumer. Thereafter, one or more benefit plans available to the consumer are identified. These benefit plans (e.g., healthcare insurance plans) provide payment for predetermined services or products provided to the consumer. Costs that would be incurred by the consumer if the consumer used each of the identified one or more benefit plans for payment of the transactions are then determined. Based on this determination, data indicating costs associated with at least one benefit plan are transmitted. Related apparatuses, computer program products, and computer systems are also described.
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Citations
27 Claims
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1. A computer-implemented method comprising:
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aggregating historical transactions for a consumer, each transaction being associated with services or products provided to the consumer;
automatically identifying one or more benefit plans available to the consumer, the benefit plans providing payment for predetermined services or products provided to the consumer;
automatically determining, for each identified benefit plan, a cost that would be incurred by the consumer if the consumer used the benefit plan for payment of the transactions; and
transmitting data indicating costs associated with at least one benefit plan. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. An apparatus comprising:
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an aggregation unit to aggregate historical transactions for a consumer, each transaction being associated with services or products provided to the consumer;
a determination unit to identify one or more benefit plans available to the consumer, the benefit plans providing payment for predetermined services or products provided to the consumer, and to determine, for each identified benefit plan, a cost that would be incurred by the consumer if the consumer used the benefit plan for payment of the transactions; and
a transmission unit to transmit data indicating costs associated with at least one benefit plan.
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13. A computer program product, embodied on computer readable-material, said computer program product including executable instructions causing a computer system to conduct one or more of operations comprising:
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aggregate historical transactions for a consumer, each transaction being associated with services or products provided to the consumer;
identify one or more benefit plans available to the consumer, the benefit plans providing payment for predetermined services or products provided to the consumer;
determine, for each identified benefit plan, a cost that would be incurred by the consumer if the consumer used the benefit plan for payment of the transactions; and
transmit data indicating costs associated with at least one benefit plan.
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14. A computer-implemented method comprising:
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obtaining historical medical data for a consumer;
automatically associating the obtained medical data with a health care requirements profile, the health care requirements profile identifying predicted healthcare requirements for the consumer based on one or more individuals having medical data analogous to the obtained medical data;
automatically identifying one or more benefit plans available to the consumer, the benefit plans providing payment for predetermined healthcare services or products provided to the consumer;
automatically determining, for each identified benefit plan, a cost that would be incurred by the consumer if the consumer used the benefit plan for payment of expenses associated with the predicted healthcare requirements; and
transmitting data indicating costs associated with at least one benefit plan. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. An apparatus comprising:
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an acquisition unit to obtain historical medical data for a consumer;
an association unit to associate the obtained medical data with a health care requirements profile, the health care requirements profile identifying predicted healthcare requirements for the consumer based on one or more individuals having medical data analogous to the consumer medical data;
a determination unit to identify one or more benefit plans available to the consumer, the benefit plans providing payment for predetermined healthcare services or products provided to the consumer, and to determine, for each identified benefit plan, a cost that would be incurred by the consumer if the consumer used the benefit plan for payment of expenses associated with the predicted healthcare requirements; and
a transmission unit to transmit data indicating costs associated with at least one benefit plan.
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26. A computer program product, embodied on computer readable-material, said computer program product including executable instructions causing a computer system to conduct one or more of operations comprising:
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obtain historical medical data for a consumer;
associate the obtained medical data with a health care requirements profile, the health care requirements profile identifying predicted healthcare requirements for the consumer based on one or more individuals having medical data analogous to the consumer medical data;
identify one or more benefit plans available to the consumer, the benefit plans providing payment for predetermined healthcare services or products provided to the consumer;
determine, for each identified benefit plan, a cost that would be incurred by the consumer if the consumer used the benefit plan for payment of expenses associated with the predicted healthcare requirements; and
transmit data indicating costs associated with at least one benefit plan.
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27. A computer-implemented method comprising:
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obtaining at least one of aggregated historical transactions or predicted transactions for a consumer, each transaction being associated with services or products provided to the consumer;
automatically identifying one or more payment sources available to the consumer, the payment sources providing payment for predetermined services or products provided to the consumer;
automatically determining, for each identified payment source, a cost that would be incurred by the consumer if the consumer used the payment source for payment of the transactions; and
transmitting data indicating costs associated with at least one payment source.
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Specification