Method of Reducing Insurance Costs
First Claim
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1. A computerized method of reducing insurance costs for a drug to an insurer and a consumer comprising:
- determining a price of the drug from a plurality of pharmacies;
the consumer purchasing the drug from a selected pharmacy with a lower relative price of the plurality of pharmacies; and
the consumer paying a co-pay based upon a pre-determined percentage of the price of the drug.
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Abstract
A computerized method and apparatus are provided for reducing insurance costs for a drug to an insurer. The method includes the steps of determining a price of the drug from a plurality of pharmacies, the consumer purchasing the drug from a selected pharmacy with a lower relative price of the plurality of pharmacies and the consumer paying a co-pay based upon a pre-determined percentage of the price of the drug.
33 Citations
20 Claims
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1. A computerized method of reducing insurance costs for a drug to an insurer and a consumer comprising:
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determining a price of the drug from a plurality of pharmacies; the consumer purchasing the drug from a selected pharmacy with a lower relative price of the plurality of pharmacies; and the consumer paying a co-pay based upon a pre-determined percentage of the price of the drug. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computerized apparatus for reducing insurance costs for a drug to an insurer and a consumer comprising:
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means for determining a price of the drug from a plurality of pharmacies; means for selecting a pharmacy of the plurality of pharmacies with a lower relative price for purchase of the drug; and means for determining a co-pay based upon a predetermined percentage of the price of the drug. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computerized apparatus for reducing insurance costs for a drug to an insurer and a consumer comprising:
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a search processor that determines a price of the drug from a plurality of pharmacies; a display of drug pricing information that allows the consumer to select a pharmacy of the plurality of pharmacies with a lower relative price for purchase of the drug; and a co-pay processor that determines a co-pay based upon a pre-determined percentage of the price of the drug. - View Dependent Claims (18, 19, 20)
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Specification