Method for predicting the payment of medical debt
First Claim
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1. A method for predicting a person'"'"'s payment of a medical debt, the method comprising the steps of:
- a. retrieving information that originated from a health care provider, wherein the information is relevant to the person'"'"'s propensity to pay the medical debt; and
b. determining a score based upon at least some of the information, wherein the score indicates the person'"'"'s propensity to pay the medical debt.
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Abstract
The present invention provides methods, systems, and computer program products that are useful for establishing contractual terms and agreements between health care providers and health care payors. For example, one embodiment of the present invention provides a method for predicting a person'"'"'s payment of a medical debt. Another embodiment of the present invention provides a method for predicting a propensity of a group of one or more health care participants to pay an actual or potential medical debt.
77 Citations
42 Claims
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1. A method for predicting a person'"'"'s payment of a medical debt, the method comprising the steps of:
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a. retrieving information that originated from a health care provider, wherein the information is relevant to the person'"'"'s propensity to pay the medical debt; and b. determining a score based upon at least some of the information, wherein the score indicates the person'"'"'s propensity to pay the medical debt. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A method for predicting a propensity of a group of one or more health care participants to pay an actual or potential medical debt, the method comprising the steps of:
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a. for each participant in the group, retrieving information from one or more sources, wherein the information is relevant to the participant'"'"'s propensity to pay an individual medical debt; and b. determining a group score based upon at least some of the information retrieved for one or more participants, wherein the group score indicates the propensity of the group to pay the medical debt. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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42. A computer program product encoded in a computer readable medium, the program product for predicting a propensity of a group of one or more health care participants to pay an actual or potential medical debt, the program product encoded to perform the steps of:
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a. for each participant in the group, retrieving information that originated from a health care provider and retrieving information from one or more sources, wherein a source is at least one of an insurance provider, credit provider, consumer credit bureau, or financial institution, and wherein the information is relevant to the participant'"'"'s propensity to pay an individual medical debt; and b. determining a group score based upon at least some of the information retrieved for one or more participants, wherein the group score indicates the propensity of the group to pay the medical debt.
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Specification