Health and welfare benefit enrollment and billing system and method

Claim 2

A health and welfare benefit enrollment and billing system, comprising: enrolling means for enrolling at least one person in at least one health and welfare benefit plan provided by at least one health and welfare benefit plan provider, said enrolling means including means for recording an enrollment history for the at least one person, said enrollment history including a plurality of records, said plurality of records including one or more records identifying historical coverage options, a record identifying present coverage options, and one or more records identifying future coverage options, said means for recording being operative to generate a new record each time a modification is made to an enrollment; means for determining whether the at least one person has met a prerequisite to being enrolled in a future coverage option in the at least one health and welfare benefit plan; and means, responsive to said means for determining, for adding a record to said enrollment history that reflects that said prerequisite has been met; and bill generating means for generating a bill for fees due to the at least one health and welfare benefit plan provider as a result of the enrollment of the at least one person in the at least one health and welfare benefit plan.

Claim 3

The system of claim 1, wherein the enrolling means and the billing means are integrated as a single computerized database management system.

Claim 4

The system of claim 1, wherein the enrolling means and the billing means are integrated as a plurality of interconnected computerized database management systems.

Claim 5

The system of claim 1, wherein the enrolling means includes: enrollment form generating means for generating an enrollment form for enrolling the at least one person in any of a plurality of health and welfare benefit plans provided by a plurality of health and welfare benefit plan providers; and receiving means for receiving the enrollment form when completed by the at least one person.

Claim 6

The system of claim 4, wherein the enrollment form, when completed by the at least one person, meets all enrollment application requirements of each of the plurality of health and welfare benefit plan providers.

Claim 7

The system of claim 4, wherein the enrollment form is individualized for the at least one person.

Claim 8

The system of claim 1, further comprising confirmation generating means for generating a confirmation of an enrollment status of the at least one employee.

Claim 9

The system of claim 7, wherein the confirmation is individualized for the at least one employee.

Claim 10

The system of claim 8, wherein the confirmation is further individualized for the at least one health and welfare benefit plan provider.

Claim 11

The system of claim 1, further comprising report generating means for generating at least one report desired by the at least one health and welfare benefit plan provider.

Claim 12

The system of claim 10, wherein the at least one report includes any one of a salary impact report, an imputed income report, an underwriter's exception report, and an employee census report.

Claim 13

The system of claim 10, wherein the at least one report is individualized for the at least one health and welfare benefit plan provider.

Claim 14

The system of claim 1, wherein the enrolling means includes means for creating a negative enrollment for the at least one person.

Claim 15

A health and welfare benefit enrollment and billing method, comprising the steps of: entering data into one of a single computerized database management system and a plurality of interconnected computerized database management systems; enrolling at least one person in at least one health and welfare benefit plan provided by at least one health and welfare benefit plan provider in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems, wherein the step of enrolling includes the step of recording an enrollment history for the at least one person, said enrollment history including a plurality of records, said plurality of records including one or more records identifying historical coverage options, a record identifying present coverage options, and one or more records identifying future coverage options, wherein the step of recording includes the step of generating a new record each time a modification is made to an enrollment; determining whether the at least one person has met a prerequisite to being enrolled in a future coverage option in the at least one health and welfare benefit plan; if it is determined that said prerequisite has been met, then adding a record to said enrollment history that reflects that said prerequisite has been met; and generating a bill for fees due to the at least one health and welfare benefit plan provider as a result of the enrollment of the at least one person in the at least one health and welfare benefit plan in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems.

Claim 16

A health and welfare benefit enrollment and billing method, comprising the steps of: entering data into one of a single computerized database management system and a plurality of interconnected computerized database management systems; enrolling at least one person in at least one health and welfare benefit plan provided by at least one health and welfare benefit plan provider in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems, wherein the step of enrolling includes the step of recording an enrollment history for the at least one person, said enrollment history including a plurality of records, said plurality of records including one or more records identifying historical coverage options, a record identifying present coverage options, and one or more records identifying future coverage options, wherein the step of recording includes the step of generating a new record each time a modification is made to an enrollment; determining whether the at least one person has met a prerequisite to being enrolled in a future coverage option in the at least one health and welfare benefit plan; if it is determined that said prerequisite has been met, then adding a record to said enrollment history that reflects that said prerequisite has been met; and generating a bill for fees due to the at least one health and welfare benefit plan provider as a result of the enrollment of the at least one person in the at least one health and welfare benefit plan in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems.

Claim 17

The method of claim 14, wherein the step of enrolling the at least one person includes the steps of: generating an enrollment form for enrolling the at least one person in any of a plurality of health and welfare benefit plans provided by a plurality of health and welfare benefit plan providers; and receiving the enrollment form when completed by the at least one person.

Claim 18

The method of claim 15, wherein the enrollment form, when completed by the at least one person, meets all enrollment application requirements of each of the plurality of health and welfare benefit plan providers.

Claim 19

The method of claim 15, wherein the enrollment form is individualized for the at least one person.

Claim 20

The method of claim 14, further comprising the step of generating a confirmation of an enrollment status of the at least one employee.

Claim 21

The method of claim 18, wherein the confirmation is generated in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems.

Claim 22

The method of claim 19, wherein the confirmation is individualized for the at least one employee.

Claim 23

The method of claim 20, wherein the confirmation is further individualized for the at least one health and welfare benefit plan provider.

Claim 24

The method of claim 14, further comprising the step of generating at least one report desired by the at least one health and welfare benefit plan provider.

Claim 25

The method of claim 22, wherein the at least one report is generated in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems.

Claim 26

The method of claim 23, wherein the at least one report includes any one of a salary impact report, an imputed income report, an underwriter's exception report, and an employee census report.

Claim 27

The method of claim 23, wherein the at least one report is individualized for the at least one health and welfare benefit plan provider.

Claim 28

The method of claim 14, wherein the step of enrolling the at least one person in the at least one health and welfare benefit plan includes the step of creating a negative enrollment for the at least one person.

Claim 29

The system of claim 1, wherein said prerequisite is evidence of insurability.

Claim 30

The method of claim 14, wherein said prerequisite is evidence of insurability.

Claim 31

A health and welfare benefit enrollment and billing method, comprising the steps of: entering data into one of a single computerized database management system and a plurality of interconnected computerized database management systems; enrolling at least one person in at least one health and welfare benefit plan provided by at least one health and welfare benefit plan provider in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems, wherein the step of enrolling includes the step of recording an enrollment history for the at least one person, said enrollment history including a plurality of records, said plurality of records including one or more records identifying historical coverage options, a record identifying present coverage options, and one or more records identifying future coverage options, wherein the step of recording includes the step of generating a new record each time a modification is made to an enrollment; determining whether the at least one person has met a prerequisite to being enrolled in a future coverage option in the at least one health and welfare benefit plan; and if it is determined that said prerequisite has been met, then adding a record to said enrollment history that reflects that said prerequisite has been met.

Claim 32

A health and welfare benefit enrollment and billing method, comprising the steps of: entering data into one of a single computerized database management system and a plurality of interconnected computerized database management systems; enrolling at least one person in at least one health and welfare benefit plan provided by at least one health and welfare benefit plan provider in accordance with the data entered into the one of the single computerized database management system and the plurality of interconnected computerized database management systems, wherein the step of enrolling includes the step of recording an enrollment history for the at least one person, said enrollment history including a plurality of records, said plurality of records including one or more records identifying historical coverage options, a record identifying present coverage options, and one or more records identifying future coverage options, wherein the step of recording includes the step of generating a new record each time a modification is made to an enrollment; determining whether the at least one person has met a prerequisite to being enrolled in a future coverage option in the at least one health and welfare benefit plan; and if it is determined that said prerequisite has been met, then adding a record to said enrollment history that reflects that said prerequisite has been met.

Claim 33

The method of claim 29, wherein said prerequisite is evidence of insurability.