Patent ID: 7890354

Claim:
A method for offering, by an insurer, long-term care insurance with personalized health management health benefits provided to an insured prior to a need for utilization of benefits of the long-term care insurance, the method comprising: the insurer conducting a health status examination of a potential insured, wherein the health status examination comprises a health status assessment; the insurer generating a personal health report of the potential insured based upon the health status assessment, wherein generating a personal health report comprises utilizing a computer having a processor and following commands contained in software executing commands contained as lines of software code, in accordance with a protocol and examining a database of available resources; the insurer offering a long-term care insurance policy providing health management health benefits to the potential insured at an insurance rate; the potential insured purchasing the long-term care insurance policy so as to become an insured; inputting, into the computer, data relating to the results of the health status assessment of the insured, which is then automatically routed in a communication to a health management provider as a document in paper form, in a computer readable format contained on computer readable media, or as a data transmission, said health management provider being a separate entity than the insurer; the health management provider developing a personalized health management plan for the insured based upon results of the health status assessment conducted by the insurer and generated by the computer; the health management provider providing personalized health management services to the insured based upon the personalized health management plan generated by the computer.