Patent ID: 8548832

Claim:
A computer implemented system for automating business processes of a health plan organization, comprising: a plurality of portals interconnected over a network, said portals comprising: a sales portal configured for listing a plurality of health plans and proposing at least one of said plurality of health plans to a consumer, wherein said consumer is one of a member and an employer; a member portal comprising a member enrollment and maintenance module configured for enrolling for at least one of said proposed health plans by said member; an employer portal comprising an employer enrollment and maintenance module configured 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 configured for rendering health care services by a provider defined by said enrolled health plans to the consumer; an administration portal configured for coordinating said business processes of said plurality of portals, comprising: an authorization engine configured for authorizing each of a sales agent and said consumer to access one or more of said portals through an electronic correspondence compliant with one or more predefined standards; a rating engine configured for generating insurance quotes for the proposed health plans, said rating engine further configured for: evaluating health risk levels and health exposures of the consumer using an underwriting module; and determining said insurance quotes for the proposed health plans based on said health risk levels and said health exposures of the consumer; a billing and commissions engine configured 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.