US 6,735,569 B1Granted

Method and system for providing a user-selected healthcare services package and healthcare services panel customized based on a user's selections

AssigneeVivius, Inc.

InventorLewis Howard Wizig

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Abstract

A method and system for allowing a user to select a healthcare services package is disclosed where a central server generally receives personal information data from the user over the Internet regarding the user's preferences with respect to healthcare service providers and the user's sponsor, i.e., the party responsible for paying for all or part of the user's healthcare costs (such as an employer, an insurance company or the user himself). The server thereafter provides a list comprising a plurality of healthcare service providers and information regarding the healthcare service providers (e.g., specialty, rate, location, hospital affiliation, etc.) to the user for selection by the user of a healthcare services panel. Once the server has received the selected healthcare services panel from the user comprising at least one of the listed healthcare service providers, the server determines a healthcare services package.

Claims38

Dependent claims

A method for providing a user with a healthcare services package, comprising:

receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter;
transmitting a list comprising a plurality of healthcare service providers to the user;
receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers;
using a computer system for determining, a healthcare services package based on the user's selection and the financial parameter;
transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package,
wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein determining the healthcare services package further comprises:
using said computer system to aggregate the individual costs of each healthcare service provider on the healthcare services panel;
using said computer system to aggregate the umbrella policy credits of each healthcare service provider on the healthcare services panel;
using said computer system to calculate a difference between the uncredited umbrella policy cost and the aggregated amount of umbrella policy credits, wherein the difference represents a credited umbrella policy cost;
and
using said computer system to determine the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.

8 more elements

A method for providing a user with a healthcare services package, comprising:

receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter;
transmitting a list comprising a plurality of healthcare service providers to the user;
receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers;
using a computer system for determining a healthcare services package based on the user's selection and the financial parameter;
transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package,
wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package, wherein a healthcare services panel is selected by the user for each of the plurality of individuals, wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein determining the healthcare services package further comprises:
using said computer system to aggregate the individual costs of each healthcare service provider on the healthcare services panel of each of the plurality of individuals;
using said computer system to aggregate the umbrella policy credits of each healthcare service provider on the healthcare services panel of each of the plurality of individuals;
using said computer system to calculate a difference between the uncredited umbrella policy cost and the aggregated amount of umbrella policy credits, wherein the difference represents a credited umbrella policy cost;
and
using said computer system to determine the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.

8 more elements

A system for providing a user with a healthcare services package, comprising:

means for receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter;
means for providing a list comprising a plurality of healthcare service providers to the user;
means for receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers;
means for determining a healthcare services package based on the user's selection and the financial parameter;
and
means for transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein the means for determining the healthcare services package further comprises:
means for aggregating the individual costs of each healthcare service provider on the healthcare services panel;
means for aggregating the umbrella policy credits of each healthcare service provider on the healthcare services panel;
means for calculating a difference between the uncredited umbrella policy cost and the aggregated amount of umbrella policy credits, wherein the difference represents a credited umbrella policy cost;
and
means for determining the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.

8 more elements

A system for providing a user with a healthcare services package, comprising:

means for receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter;
means for providing a list comprising a plurality of healthcare service providers to the user;
means for receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers;
means for determining a healthcare services package based on the user's selection and the financial parameter;
and
means for transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package, wherein a healthcare services panel is selected by the user for each of the plurality of individuals, wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals, and wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein the means for determining the healthcare services package further comprises:
means for aggregating the individual costs of each healthcare service provider on the healthcare services panel of each of the plurality of individuals;
means for aggregating the umbrella policy credits of each healthcare service provider on the healthcare services panel of each of the plurality of individuals;
means for calculating a difference between the uncredited umbrella policy cost and the aggregated amount of umbrella policy credits, wherein the difference represents a credited umbrella policy cost;
and
means for determining the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.

8 more elements

Dependencies are inferred from the claim text.