Patent ID: 6735569
Filing Date: 2004-05-11
Classification: G06Q,G16H

Abstract:
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.