Consumer directed health plan (CDHP) and high deductible health plan (HDHP) counseling and information distribution

• US 7,974,860 B1
• Filed: 05/09/2008
• Issued: 07/05/2011
• Est. Priority Date: 05/09/2008
• Status: Expired due to Fees

• Current Assignee: ExperienceLab, Inc. (American Express Company)
• Original Assignee: ExperienceLab, Inc. (American Express Company)
• Inventors: Travis, Roger M.
• Primary Examiner(s): Kramer; James
• Assistant Examiner(s): WONG, ERIC TAK WAI
• Application Number:
  US12/118,313
• Time in Patent Office: 1,152 Days
• Field of Search: 705/4
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 10/20 for electronic clinical trials or questionnaires
• CPC Class Codes: G16H 20/00 ICT specially adapted for therapies or health-improving plans, e.g. for handling prescriptions, for steering therapy or for monitoring patient compliance
• CPC Class Codes: G16H 50/30 for calculating health indices; for individual health risk assessment

Abstract

Methods and systems for directing enrollment and/or use of health and wellness plans based on personality type are disclosed.

Claims

1. A method comprising:

receiving, by a computer, in response to a computer automated survey, responses from an individual to multiple survey questions related to attitudinal factors, the individual being enrolled in a consumer directed health plan or high deductible health plan;

receiving factual profile information about the individual, the factual profile information including one or more of income, credit score, credit balance, gender, marital status, number of dependents, arrest record, and driving record;

predicting, by the computer, a personality trait for the individual based on responses received from the individual in response to the computer automated survey and the factual profile information about the individual, the personality trait being associated at least in part with at least one of spending attitudes of the individual and attitudes of the individual toward medical treatment;

receiving information related to the usage of the consumer directed health plan or high deductible health plan by the individual;

receiving information related to the income of the individual; and

providing, based on the predicted personality trait for the individual, the information related to the usage, and the information related to the income of the individual, information about use of the consumer directed health plan or high deductible health plan to the individual, the information being different for different individuals having different predicted personality traits and different income levels;

wherein providing the information comprises;

for individuals having a particular personality trait, providing information related to reducing costs to the individual for medical services to individuals having an income below a threshold and providing information related to preventative healthcare to individuals having an income above the threshold.

2. The method of claim 1, wherein the method further comprises:

determining, based on the predicted personality trait for the individual, the individual'"'"'s suitability for a consumer directed health plan or high deductible health plan; and

providing the information comprises;

providing, to individuals determined to be suitable for a consumer directed health plan or high deductible health plan, one or more of information related to preventative healthcare and information related to reducing costs to the individual for medical services; and

providing, to individuals determined to be unsuitable for a consumer directed health plan or high deductible health plan, one or more of information about changing the individual'"'"'s type of health plan and information about appropriate use of the consumer directed health plan or high deductible health plan.

3. The method of claim 1, wherein the information about use of the consumer directed health plan or high deductible health plan comprises information related to locating a health care, provider.

4. The method of claim 1, wherein the predicted personality trait is based on a measure of financial astuteness of the individual.

5. The method of claim 1, wherein predicting the personality trait for the individual comprises predicting the personality trait for the individual based on at least one of past interaction information, demographic data, and credit bureau data.

6. The method of claim 1, wherein computer automated survey comprises 30 questions or fewer.

7. A method comprising:

receiving, by a computer, in response to a computer automated survey, responses from an individual to multiple survey questions related to attitudinal factors, the individual being enrolled in a consumer directed health plan or high deductible health plan;

receiving factual profile information about the individual, the factual profile information including one or more of income, credit score, credit balance gender, marital status, number of dependents, arrest record, and driving record;

predicting, by the computer, a personality trait for the individual based on responses received from the individual in response to the computer automated survey and the factual profile information about the individual, the personality trait being associated at least in part with at least one of spending attitudes of the individual and attitudes of the individual toward medical treatment;

receiving information related to the usage of the consumer directed health plan or high deductible health plan by the individual;

receiving information related to the income of the individual; and

providing, based on the predicted personality trait for the individual, the information related to the usage, and the information related to the income of the individual information about use of the consumer directed health plan or high deductible health plan to the individual, the information being different for different individuals having different predicted personality traits and different income levels;

determining, based on the predicted personality trait for the individual, the individual'"'"'s suitability for a consumer directed health plan or high deductible health plan; and

wherein providing the information comprises;

providing, to individuals determined to be suitable for a consumer directed health plan or high deductible health plan, one or more of information related to preventative healthcare and information related to reducing costs to the individual for medical services; and

providing, to individuals determined to be unsuitable for a consumer directed health plan or high deductible health plan, one or more of information about changing the individual'"'"'s type of health plan and information about appropriate use of the consumer directed health plan or high deductible health plan.

8. The method of claim 7, wherein providing the information comprises:

for individuals having a particular personality trait, providing information related to reducing costs to the individual for medical services to individuals having an income below a threshold and providing information related to preventative healthcare to individuals having an income above the threshold.

9. The method of claim 7, wherein the information about use of the consumer directed health plan or high deductible health plan comprises information related to locating a health care provider.

10. The method of claim 7, wherein the predicted personality trait is based on a measure of financial astuteness of the individual.

11. The method of claim 7, wherein predicting the personality trait for the individual comprises predicting the personality trait for the individual based on at least one of past interaction information, demographic data, and credit bureau data.

12. The method of claim 7, wherein computer automated survey comprises 30 questions or fewer.