Pharmacy personal care account

A computerized system for processing a health insurance claim comprising:

• (a) a first database storing covered expense data comprising:
• (1) an identifier for a good or service covered under an insurance policy;
• (2) an allowed amount for said good or service equal to a maximum amount to be paid under said insurance policy for said good or service;
• (b) a second database storing personal care account data comprising for each subscriber of said insurance policy:
• (1) a subscriber identifier;
• (2) a personal care account associated with said subscriber identifier;
• (c) a server that executes instructions to
• (1) receive at said server claim data for a covered expense for a subscriber of said insurance policy, said claim data comprising:
• (A) a subscriber identifier;
• (B) an identifier for a good or service;
• and
• (C) an actual cost for said covered expense;
• (2) retrieves at said server from said first database an allowed amount for said covered expense;
• (3) calculate at said server a monetary credit for said covered expense equal to the difference between said allowed amount and said actual cost;
• (4) if said monetary credit is positive, add said monetary credit to a balance of a personal care account associated with said subscriber identifier at said second database.

A computerized method for processing a health insurance claim comprising:

• (a) storing in a first database covered expense data comprising:
• (1) an identifier for a good or service covered under an insurance policy;
• and
• (2) an allowed amount for said good or service equal to a maximum amount to be paid under said insurance policy for said good or service;
• (b) storing in a second database personal care account data comprising for each subscriber of said insurance policy:
• (1) a subscriber identifier;
• (2) a personal care account associated with said subscriber identifier;
• and
• (3) a balance equal to monetary credits received for purchases of covered expenses at costs below allowed amounts for said expenses;
• (c) receiving at a server claim data for a covered expense for a subscriber of said insurance policy, said claim data comprising:
• (1) a subscriber identifier;
• (2) an identifier for a good or service;
• and
• (3) an actual cost for said covered expense;
• (d) retrieving at said server from said first database an allowed amount for said covered expense;
• (e) calculating at said server a monetary credit for said covered expense equal to the difference between said allowed amount and said actual cost;
• (f) if said monetary credit is negative, applying to said claim a monetary credit from a personal care account associated with said subscriber identifier at said second database.