Patent ID: 8108230

Claim:
A computer implemented system for automating business processes of a health plan organization, comprising: a plurality of portals comprising: a sales portal for listing a plurality of health plans and proposing at least one of said plurality of health plans to a consumer by a sales agent, wherein said consumer is one of a member and an employer; a member portal comprising a member enrollment and maintenance module for enrolling for at least one of said proposed health plans by said member; an employer portal comprising an employer enrollment and maintenance module for enrolling for at least one of the proposed health plans by said employer, wherein the employer provides health care benefits to a group of members of a company through the proposed health plans; a provider portal for rendering health care services by a provider defined by said enrolled health plans to the consumer; an administration portal for coordinating said business processes of said plurality of portals, comprising: a rating engine for generating insurance quotes for the proposed health plans; and a billing and commissions engine for billing the consumer for the enrolled health plans based on said insurance quotes and for generating commissions for said sales agent for the enrolled health plans; wherein said sales portal further comprises a sales agent registration module for registering the sales agent with said health plan organization, wherein said registered sales agent is authorized via an electronic correspondence compliant with Health Insurance Portability and Accountability Act standards; wherein said sales portal further comprises a health plan selection module for selecting said health plans, and proposing at least one of said selected health plans to the consumer; wherein said administration portal further comprises an authorization engine for authorizing the member and the employer to access said member portal and said employer portal respectively; wherein said administration portal further comprises an underwriting module for evaluating health risks and health exposures of the consumer; wherein said underwriting module renews health plans and the insurance quotes for the consumer; wherein said billing and commissions engine generates invoices for the consumer based on the insurance quotes; and wherein the billing and commissions engine tracks payment of said invoices by the consumer and sends reminders to the consumer for said payment.