DYNAMIC MODELING AND SCORING RISK ASSESSMENT
First Claim
1. A method for determining compliance with a regimen for a group including at least one individual, comprising:
- acquiring a first set of data from each individual of the group regarding health information;
determining a regimen for the group to improve the first set of data;
acquiring a second set of data from each individual of the group regarding health information; and
assessing a change for the group by comparing the second set of data to the first set of data, wherein an award is distributed to the group based upon the change.
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Accused Products
Abstract
The invention provides for modeling and scoring risk-assessment and a set of insurance products derived therefrom. Risk indicators are determined at a selected time. A population is assessed at that time and afterward for those risk indicators and for consequences associated therewith. Population members are coupled to client devices for determining risk indicators and consequences. A server receives data from each client, and in response thereto and in conjunction with an expert operator, (1) reassesses weights assigned to the risk indicators, (2) determines new risk indicators, (3) determines new measures for determining risk indicators and consequences, and (4) presents treatment options to each population member. The server determines, in response to the data from each client, and possibly other data, a measure of risk for each indicated consequence or for a set of such consequences. The server provides this measure with regard to each population member, or with regard to population subsets. The expert operator uses this measure to determine either (1) an individual course of treatment, (2) a resource utilization review model, (3) a risk-assessment model, or (4) an insurance pricing model, for each individual population member or for selected population subsets. Information requested by the client, information determined and presented by the server, and responsive measurements, are adapted dynamically to changing population aspects or changing population membership, or of an external environment having relevance to the population.
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Citations
20 Claims
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1. A method for determining compliance with a regimen for a group including at least one individual, comprising:
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acquiring a first set of data from each individual of the group regarding health information;
determining a regimen for the group to improve the first set of data;
acquiring a second set of data from each individual of the group regarding health information; and
assessing a change for the group by comparing the second set of data to the first set of data, wherein an award is distributed to the group based upon the change. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system for determining compliance with a regimen, comprising:
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a client device, for acquiring a first set of data from each individual of a group and a second set of data from each individual of the group, a server device, operably connected to the client device via a communication pathway, for analyzing the first set of data and the second set of data to assess a change for the group by comparing the second set of data to the first set of data after performing a regimen, wherein an award is distributed to the group based upon the change. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A system for determining compliance with a regimen for a group including at least one individual, comprising:
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means for acquiring a first set of data from each individual of the group regarding health information;
means for determining a regimen for the group to improve the first set of data;
means for acquiring a second set of data from each individual of the group regarding health information; and
means for assessing a change for the group by comparing the second set of data to the first set of data, wherein an award is distributed to the group based upon the change. - View Dependent Claims (18, 19, 20)
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Specification