Patent ID: 7899689
Filing Date: 2011-03-01
Classification: G06Q,G16H

Abstract:
1. A computer-system implemented method for providing a user with a customized healthcare services insurance package, comprising: receiving a personal information data regarding a user, wherein the personal information data comprises a user identifier and an uncredited umbrella policy cost; forwarding information regarding a plurality of healthcare service providers wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit; receiving a selection of a healthcare services panel comprising a user-defined co-pay amount selected from a provider co-pay range and at least one of the healthcare service providers; aggregating the costs of healthcare service providers on the healthcare services panel; aggregating 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 determining the healthcare services insurance package based on a sum of the aggregated costs and the credited umbrella policy cost; and forwarding a description of the determined healthcare services insurance package, said description including a proposed periodic payment for purchasing said determined healthcare services insurance package.