Systems and methods for long-term care insurance with immediate and ongoing health care maintenance benefits

A system for providing a personalized health management plan and health management services to an insured individual under a long-term care insurance policy offering long-term care benefits, prior to a need of the insured individual for utilization of the long-term care benefits, the system comprising:

• a computer having a processor and following commands contained in software executing commands contained as lines of software code, in accordance with a protocol and examining a database of available resources, wherein the software is operatively configured to enable:
• an insurer to provide long-term care benefits to the insured individual under a long-term care insurance policy;
• a separate health management provider to communicate with the insurer concerning the insured individual;
• and
• the separate health management provider to provide a personalized health management plan and health management services to the insured individual based upon the communications with the insurer;
• the communications with the insurer to comprise a communication selected from the group consisting of a document in paper form, a computer readable format contained on computer readable media, and a data transmission;
• and
• the separate health management provider to prepare, under the long-term care insurance policy provided by the insurer, a personalized health management plan for the insured individual, which is generated by the computer prior to the need for utilization of long-term care benefits of the long-term care insurance by the insured individual.

A method for offering, by an insurer, an insurance policy consisting of long-term care insurance together with personalized health management health benefits provided to an insured prior to a need for utilization of benefits of the long-term care insurance, the method comprising:

• the insurer conducting a health status examination of a potential insured, wherein the health status examination comprises a health status assessment;
• the insurer generating a personal health report of the potential insured based upon the health status assessment, wherein generating a personal health report comprises utilizing a computer having a processor and following commands contained in software executing commands contained as lines of software code, in accordance with a protocol and examining a database of available resources;
• the insurer offering a long-term care insurance policy providing health management health benefits to the potential insured at an insurance rate;
• the potential insured purchasing the long-term care insurance policy so as to become an insured;
• inputting, into the computer, data relating to the results of the health status assessment of the insured, which is then automatically routed in a communication to a health management provider as a document in paper form, in a computer readable format contained on computer readable media, or as a data transmission, said health management provider being a separate entity than the insurer;
• the health management provider developing a personalized health management plan for the insured based upon results of the health status assessment conducted by the insurer and generated by the computer;
• the health management provider providing personalized health management services to the insured based upon the personalized health management plan generated by the computer.

A method for offering, by an insurer, an insurance policy consisting of long-term care insurance together with personalized health management health benefits provided to an insured prior to a need for utilization of benefits of the long-term care insurance, the method comprising:

• the insurer conducting a health status examination of a potential insured, wherein the health status examination comprises a health status assessment;
• the insurer generating a personal health report of the potential insured based upon the health status assessment, wherein generating a personal health report comprises utilizing a computer having a processor and following commands contained in software executing commands contained as lines of software code, in accordance with a protocol and examining a database of available resources;
• wherein the personal health report is a visual representation of the health status of the potential insured depicted by the computer;
• the insurer offering a long-term care insurance policy providing health management health benefits to the potential insured at an insurance rate;
• the potential insured purchasing the long-term care insurance policy so as to become an insured;
• inputting, into the computer, data relating to the results of the health status assessment of the insured, which is then automatically routed in a communication to a health management provider as a document in paper form, in a computer readable format contained on computer readable media, or as a data transmission, said health management provider being a separate entity than the insurer;
• the health management provider developing a personalized health management plan for the insured based upon results of the health status assessment conducted by the insurer and generated by the computer;
• and
• the health management provider providing personalized health management services to the insured based upon the personalized health management plan generated by the computer.