Platform for financing healthcare services

#Embodiments are described relating to systems and methods for resolving balances relating to healthcare services and, more particularly, financing costs of healthcare services and goods.

#Consumers and Patients (CP) are often faced with out-of-pocket payments to cover healthcare services. There is a need for a Platform configured for use by healthcare Providers and/or CPs to assist with payment of expenses relating to healthcare services.

#Each patent, patent application, and/or publication mentioned in this specification is herein incorporated by reference in its entirety to the same extent as if each individual patent, patent application, and/or publication was specifically and individually indicated to be incorporated by reference.

#FIG. 1 is a flow diagram for the Platform configured for financing balances relating to healthcare services and goods, under an embodiment.

#FIG. 2 is a flow diagram for Platform operations with a CP seeking a financing solution for a healthcare balance, under an embodiment.

#FIG. 3 is a flow diagram for the Platform configured for aggregating CP healthcare balances and matching the aggregated portfolio of healthcare balances with a credit facility, under an embodiment.

#Systems and methods for financing amounts and account balances relating to healthcare services and goods are described. A Platform and Patient Payment Portal (“Platform”) is described that is configured to receive from healthcare Providers prospective, current, past due, and bad debt-related account balances of their patients into the Platform for at least partial settlement as described herein. The healthcare Providers include one or more of physicians, doctors, dentists, licensed healthcare providers, hospitals, and therapists (collectively referred to as Providers) that deliver healthcare and healthcare-related services and goods to CPs, but are not so limited. The Platform is configured to aggregate information received from the Providers and their accounts receivable (A/R) data as well as sources of financial products. The Platform is configured to determine on behalf of CPs if they have an outstanding balance with any Provider(s), identify and present at least one of payment and financing options for outstanding balances, and identify any available payment and/or financing options for application towards anticipated healthcare encounter-procedure.

#In the description herein, numerous specific details are introduced to provide a thorough understanding of, and enabling description for, embodiments of the PFS. One skilled in the relevant art, however, will recognize that these embodiments can be practiced without one or more of the specific details, or with other components, systems, etc. In other instances, well-known structures or operations are not shown, or are not described in detail, to avoid obscuring aspects of the disclosed embodiments.

#Embodiments described herein generally include systems and methods for financing amounts and account balances relating to healthcare services and goods. The system receives provider data from providers, including healthcare providers. The provider data from each provider includes patient account data corresponding to patients, and provider financial parameters. Financial data is received from financial entities, and the financial data from each entity includes financial product data, and qualification parameters. The system aggregates the data by aggregating the provider data and the financial data, and determines from the aggregated data a set of patients. Each patient of the set of patients corresponds to an account balance with a healthcare provider. The system generates from the aggregated data settlement options for resolving each account balance of the patients. The settlement options include payment options and/or financing options. The system controls access by patients to the settlement options and corresponding financial entities.