Health care financing system and method

• US 8,185,408 B2
• Filed: 01/23/2008
• Issued: 05/22/2012
• Est. Priority Date: 09/13/2001
• Status: Expired due to Fees

• Current Assignee: Transunion Intelligence LLC (TransUnion Corporation)
• Original Assignee: Transunion Intelligence LLC (TransUnion Corporation)
• Inventors: Baldwin, Byron S. Jr., Dolamore, Phillip, Mahaney, Thomas
• Primary Examiner(s): Najarian, Lena
• Application Number:
  US12/018,342
• Publication Number:
  US 20090276244A1
• Time in Patent Office: 1,581 Days
• Field of Search: 705/2, 705/3, 705/35
• US Class Current: 705/2
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A system and computer implemented method for determining eligibility of a patient to receive financial assistance. The method utilizes health care financial assistance information associated with a plurality of potential health care financial assistance plans, wherein the patient is not enrolled in any of the health care financial assistance plans at the time of the determination of the eligibility. Each of the health care financial assistance plans includes qualification criteria that is compared to patient data to determine eligibility and notification of same. The health care financial assistance plans offer defrayment of at least a portion of a health care expense incurred by the patient if the patient qualifies for the respective health care financial assistance plan.

Claims

1. A computer program product stored on a non-transitory computer-readable medium, the computer program product having computer-executable code instructions which are executable on a computer server to determine eligibility of a patient to receive health care financial assistance, the computer-executable code instructions comprising:

first code instructions for receiving patient data;

second code instructions for receiving credit information derived from a credit report of the patient;

third code instructions for comparing at least a portion of the patient data and at least a portion of the credit information to respective portions of qualification criteria for each of a plurality of health care financial assistance plans stored in a database within a computer memory, at least a portion of the qualification criteria providing a measure to identify whether the patient has less than adequate means to pay for a health care expense associated with the patient, each of the plurality of health care financial assistance plans offering defrayment of at least a portion of the health care expense if the patient qualifies for the respective health care financial assistance plan;

fourth code instructions for determining if the comparison satisfies the qualification criteria for at least one of the plurality of health care financial assistance plans; and

fifth code instructions for providing notification of eligibility for every one of the plurality of health care financial assistance plans in which the comparison satisfied the qualification criteria.

2. The non-transitory computer-readable medium of claim 1, wherein at least one of the health care financial assistance plans is provided by an entity selected from the group consisting of a hospital, a private foundation, a for-profit entity, and a not-for-profit entity.

3. The non-transitory computer-readable medium of claim 1, wherein at least one of the health care financial assistance plans is selected from the group consisting of Medicare, Medicaid, WAGES, TANF, and WIC.

4. The non-transitory computer-readable medium of claim 1, wherein the qualification criteria includes a debt to income ratio.

5. The non-transitory computer-readable medium of claim 1, further comprising fifth code instructions for verifying residence information of the patient.

6. A computer-based system for determining eligibility of a patient to receive health care financial assistance, the system comprising:

a computer server;

a computer memory having computer-executable code instructions stored therein comprising;

first code instructions for receiving patient data;

second code instructions for receiving credit information derived from a credit report of the patient;

third code instructions for comparing at least a portion of the patient data and at least a portion of the credit information to respective portions of qualification criteria for each of a plurality of health care financial assistance plans stored in a database within the memory, at least a portion of the qualification criteria providing a measure to identify whether the patient has less than adequate means to pay for a health care expense associated with the patient, each of the plurality of health care financial assistance plans offering defrayment of at least a portion of the health care expense if the patient qualifies for the respective health care financial assistance plan;

fourth code instructions for determining if the comparison satisfies the qualification criteria for at least one of the plurality of health care financial assistance plans; and

fifth code instructions for providing notification of eligibility for every one of the plurality of health care financial assistance plans in which the comparison satisfied the qualification criteria.

7. The system of claim 6, wherein at least one of the health care financial assistance plans is provided by an entity selected from the group consisting of a hospital, a private foundation, a for-profit entity, and a not-for-profit entity.

8. The system of claim 6, wherein at least one of the health care financial assistance plans is selected from the group consisting of Medicare, Medicaid, WAGES, TANF, and WIC.

9. The system of claim 6, wherein the qualification criteria includes a debt to income ratio.

10. The system of claim 6, the computer-executable code instructions stored within the memory further comprising fifth code instructions for verifying residence information of the patient.

11. A method in a computer system having a computer server processor and a computer memory for determining eligibility of a patient to receive health care financial assistance, the method comprising the steps of:

receiving at the computer server processor, over a communication network from a plurality of client machines, health care financial assistance information, including qualification criteria, for each of a plurality of health care financial assistance plans, at least a portion of the qualification criteria providing a measure to identify whether the patient has less than adequate means to pay for a health care expense associated with the patient, each of the plurality of health care financial assistance plans offering defrayment of at least a portion of the health care expense if the patient qualifies for the respective health care financial assistance plan;

storing the health care financial assistance information in a database within the memory;

receiving at the computer server processor, over a communication network from a client machine, patient data;

receiving at the computer server processor, over a communication network from a client machine, credit information derived from a credit report of the patient;

comparing using the computer server processor at least a portion of the patient data and at least a portion of the credit information to respective portions of qualification criteria for each of a plurality of health care financial assistance plans stored in the database within the memory;

determining using the computer server processor if the comparison satisfies the qualification criteria for at least one of the plurality of health care financial assistance plans; and

transmitting from the computer server processor notification of eligibility for every one of the plurality of health care financial assistance plans in which the comparison satisfied the qualification criteria.

12. The method of claim 11, wherein the health care financial assistance information includes health care grant amounts for the health care financial assistance plan.

13. The method of claim 11, wherein at least one of the health care financial assistance plans is provided by an entity selected from the group consisting of a hospital, a private foundation, a for-profit entity, and a not-for-profit entity.

14. The method of claim 11, wherein at least one of the health care financial assistance plans is selected from the group consisting of Medicare, Medicaid, WAGES, TANF, and WIC.

15. The method of claim 11, wherein the qualification criteria includes a debt to income ratio.

16. The method of claim 11, further comprising the step of verifying using the computer server processor residence information of the patient.

17. The method of claim 16, wherein the step of verifying residence information of the patient is facilitated by a reverse telephone number lookup.

18. A computer program product stored on a non-transitory computer-readable medium, the computer program product having computer-executable code instructions which are executable on a computer to determine eligibility of a patient to receive health care financial assistance, the computer-executable code instructions comprising:

first code instructions for receiving patient data;

second code instructions for receiving credit information derived from a credit report of the patient;

third code instructions for comparing at least a portion of the patient data and at least a portion of the credit information to respective portions of qualification criteria for each of a plurality of health care financial assistance plans stored within a computer memory, at least a portion of the qualification criteria providing a measure to identify whether the patient has less than adequate means to pay for a health care expense associated with the patient, each of the plurality of health care financial assistance plans offering defrayment of at least a portion of the health care expense if the patient qualifies for the respective health care financial assistance plan;

fourth code instructions for determining if the comparison satisfies the qualification criteria for at least one of the plurality of health care financial assistance plans; and

fifth code instructions for providing notification of eligibility for every one of the plurality of health care financial assistance plans in which the comparison satisfied the qualification criteria.