Patent ID: 8407064
Filing Date: 2013-03-26
Classification: G06Q,G16H

Abstract:
1. A computer program product for providing a process for healthcare benefit plan selection comprising: a nontransitory computer readable medium; and computer program code, encoded on the computer readable medium, comprising computer readable instructions for: defining a timeframe; obtaining actual general/demographic data of a healthcare consumer; obtaining actual historical healthcare service utilization data of the healthcare consumer; obtaining actual personal health profile data of the healthcare consumer wherein the personal health profile data associated with the healthcare consumer comprises data indicating one or more of the healthcare consumer's activities; analyzing the actual general/demographic data, the actual historical healthcare service utilization data, and the actual personal health profile data of the healthcare consumer to create predicted healthcare services utilization data, the predicted healthcare services utilization data comprising specific healthcare services the healthcare consumer is likely to utilize during the defined timeframe wherein the predicted healthcare services utilization data is at least partly derived through the analysis of the healthcare consumer's activities, wherein the process is further configured to consider whether the healthcare consumer is likely to benefit from or suffer from illnesses or conditions resulting from athletic activities indicated in the personal health profile data; obtaining data associated with the rules governing the operation and of use of two or more healthcare benefit plans; creating expected healthcare experience data for each of the two or more healthcare benefit plans using the predicted healthcare services utilization data and the data associated with the rules governing the operation and of use of two or more healthcare benefit plans; comparing the expected healthcare experience data for each of the two or more healthcare benefit plans; and providing selection data to the healthcare consumer, the selection data being based, at least in part, on the comparison of the expected healthcare experience data for each of the two or more healthcare benefit plans, the selection data being used by the healthcare consumer to assist the healthcare consumer in selecting at least one of the two or more healthcare benefit plans.