# US 12,223,550 B2 · Medical diagnostic-initiated insurance offering > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,223,550 B2 - Document ID: US12223550B2 - Status: Granted - Kind: B2 - Application number: 17/963,023 - Filed: 2022-10-10 - Published: 2023-02-02 - Granted: 2025-02-11 - Earliest claimed: 2014-10-06 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Andrew Patrick Wieduwilt; Leif Agerholm Roll - Web page: https://patentgrep.com/patent/US12223550B2 ## CPC - G06Q 40/08: Insurance - G06Q 30/08: Auctions - G06Q 50/22: Social work or social welfare, e.g. community support activities or counselling services - G16H 10/60: for patient-specific data, e.g. for electronic patient records - G16H 50/30: for calculating health indices; for individual health risk assessment - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G16H: HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA ## Abstract Techniques for initiating offers for insurance based upon medical diagnostic examinations may include, for each of a plurality of stored examination results: with a patient's or customer's affirmative consent or permission, (1) determining a health profile of a respective patient; (2) determining, based upon contents of the health profile, whether or not the patient is eligible for one or more offers of insurance; (3) providing the health profile of an eligible patient to one or more insurance providers; and/or (4) receiving one or more insurance offers that include binding quotes for insurance. Using the techniques disclosed herein, patients who have undergone medical examinations may be automatically selected and provided with insurance offers for which they have been pre-approved. The insurance offers may include binding quotes for insurance coverage. As a result, insurance or other cost savings may be provided to patients or other customers (e.g., parents of young patients). ## Claims ### Claim 1 A system comprising: one or more processors; a network interface configured to communicatively couple the system to a plurality of insurance provider computing systems for respective ones of a plurality of insurance providers; and one or more tangible, non-transitory memories storing computer-executable instructions that, when executed by the one or more processors, cause the system to: prior to requesting partial personal health information and prior to receiving a non-binding offer, schedule or set up an appointment for a person with a medical diagnostic provider for a medical diagnostic examination; generate a health profile for the person based upon the results of the medical diagnostic examination completed for the person; transmit, via the network interface, the health profile for the person to the plurality of insurance provider computing systems; trigger generation, based upon the health profile, of a plurality of underwritten binding quotes for a plurality of insurance policy offers that the person is eligible for as a pre-approved potential insured party from the plurality of insurance providers by providing, using the network interface, the health profile for the person to the plurality of insurance provider computing systems associated with the plurality of insurance policy offers; present, at a user interface, the plurality of underwritten binding quotes that are generated based upon the completion of the medical diagnostic examination for the person; and receive, at the user interface, a selection of one of the plurality of underwritten binding quotes. ### Claim 2 (depends on 1) The system of claim 1, wherein the system is operated and/or provided by a medical diagnostic provider that completed the medical diagnostic examination for the person. ### Claim 3 (depends on 1) The system of claim 1, wherein the system is operated and/or provided by an insurance provider and/or by an insurance procurer, the network interface communicatively connects the system to a computing system operated and/or provided by the medical diagnostic provider, and wherein the results of the person's medical diagnostic examination are stored at the medical diagnostic provider computing system. ### Claim 4 (depends on 1) The system of claim 1, wherein the plurality of insurance policy offers includes offers for at least one of a life insurance policy, a long-term care insurance policy, or a disability insurance policy. ### Claim 5 (depends on 1) The system of claim 1, wherein the plurality of insurance policy offers includes different types of insurance policies. ### Claim 6 (depends on 1) The system of claim 1, wherein the computer-executable instructions, when executed by the one or more processors, cause the system to: provide, via the network interface, an indication that the one of the binding quotes has been selected to the respective insurance provider computing system. ### Claim 7 (depends on 6) The system of claim 6, wherein the computer-executable instructions, when executed by the one or more processors, cause the system to: receive an indication that the one of the plurality of underwritten binding quotes has been bound by the respective insurance provider; and at least one of refund or credit to the person a cost of the medical diagnostic examination completed for the person upon receiving the indication that the one of the plurality of underwritten binding quotes has been bound. ### Claim 8 (depends on 1) The system of claim 1, wherein the plurality of underwritten binding quotes are determined based upon the health profile of the person and one or more preferred insurance policy terms from a group of terms comprising an amount of a premium payment, a term length, an insurance provider rating, a desired type of insurance, a payout amount, an annuity amount, a settlement option, and another insurance policy term, and wherein at least some of the members of the group of terms are defined by at least one of the person, an agent of the person, or the insurance provider. ### Claim 9 (depends on 1) The system of claim 1, wherein the medical diagnostic examination completed for the person includes at least one of (i) an invasive procedure, or (ii) is performed as part of an annual physical examination of the person. ### Claim 10 (depends on 1) The system of claim 1, wherein the generation of the plurality of underwritten binding quotes comprises an auction of the health profile of the person to the plurality of insurance provider computing systems. ### Claim 11 A computer-implemented method for initiating offers for insurance based upon a medical diagnostic examination performed by a medical diagnostic provider on a person, the method comprising: prior to requesting partial personal health information and prior to receiving a non-binding offer, scheduling or setting up, via one or more processors, an appointment for the person with the medical diagnostic provider for the medical diagnostic examination; generating, by the one or more processors, a health profile for the person based upon the medical diagnostic examination performed by the medical diagnostic provider on the person; transmitting, by the one or more processors, the health profile for the person to a plurality of insurance provider computing systems that are operated and/or provided by a plurality of insurance providers; triggering generation, by the one or more processors and based upon the health profile for the person, of a plurality of underwritten binding quotes for a plurality of insurance policy offers that the person is eligible for as a pre-approved potential insured party from the plurality of insurance providers by providing the health profile for the person to the plurality of insurance provider computing systems associated with the plurality of insurance policy offers; presenting, at a user interface, the plurality of underwritten binding quotes that are generated based upon completion of the medical diagnostic examination on the person; and receiving, at the user interface, a selection of one of the plurality of underwritten binding quotes. ### Claim 12 (depends on 11) The computer-implemented method of claim 11, wherein the one or more processors are included in a system operated and/or provided by the medical diagnostic provider that completed the medical diagnostic examination for the person. ### Claim 13 (depends on 11) The computer-implemented method of claim 11, wherein the plurality of insurance policy offers includes offers for at least one of a life insurance policy, a long-term care insurance policy, or a disability insurance policy. ### Claim 14 (depends on 11) The computer-implemented method of claim 11, wherein the plurality of insurance policy offers includes different types of insurance policies. ### Claim 15 (depends on 11) The computer-implemented method of claim 11, further comprising: providing, via the network interface, an indication that the one of the plurality of underwritten binding quotes has been selected to the respective insurance provider computing system. ### Claim 16 (depends on 15) The computer-implemented method of claim 15, further comprising: receiving an indication that the one of the plurality of underwritten binding quotes has been bound by the respective insurance provider; and at least one of refunding or crediting to the person a cost of the medical diagnostic examination completed for the person upon receiving the indication that the one of the plurality of underwritten binding quotes has been bound. ### Claim 17 (depends on 11) The computer-implemented method of claim 11, further comprising providing, to the insurance provider computing systems, one or more preferred insurance policy terms in conjunction with the health profile of the person, wherein the insurance provider computing systems generate the plurality of underwritten binding quotes based upon the one or more preferred insurance policy terms. ### Claim 18 (depends on 17) The computer-implemented method of claim 17, wherein the one or more preferred insurance policy terms include at least one of an amount of a premium payment, a term length, an insurance provider rating, a desired type of insurance, a payout amount, an annuity amount, a settlement option, or another insurance policy term; and wherein at least one of the one or more preferred insurance policy terms is defined by at least one of the person, an agent of the person, or the insurance provider. ### Claim 19 (depends on 11) The computer-implemented method of claim 11, wherein the medical diagnostic examination performed on the person includes at least one of (i) an invasive procedure, or (ii) is performed as part of an annual physical examination of the person. ### Claim 20 (depends on 11) The computer-implemented method of claim 11, further comprising selecting the plurality of insurance providers based upon the health profile of the person and/or one or more types of insurance.