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US6735569B1
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US
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Method and system for providing a user-selected healthcare services package and healthcare services panel customized based on a user's selections
Assignee: Vivius Inc
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Filing: 1999-11-04
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Granted: 2004-05-11
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Expires: 2019-11-04
Abstract
Abstract A method and system for allowing a user to select a healthcare services package is disclosed where a central server generally receives personal information data from the user over the Internet regarding the user's preferences with respect to healthcare service providers and the user's sponsor, i.e., the party responsible for paying for all or part of the user's healthcare costs (such as an employer, an insurance company or the user himself). The server thereafter provides a list comprising a plurality of healthcare service providers and information regarding the healthcare service providers (e.g., specialty, rate, location, hospital affiliation, etc.) to the user for selection by the user of a healthcare services panel. Once the server has received the selected healthcare services panel from the user comprising at least one of the listed healthcare service providers, the server determines a healthcare services package.
Inventors
- 👤 Lewis Howard Wizig
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 14:59
CPC Classifications
G; G06; G06Q; G06Q30/00; G06Q30/02; G06Q10/00; G06Q10/10; G06Q10/105; G06Q10/1057; G06Q40/00; G06Q40/08; G16; G16H; G16H40/00; G16H40/60; G16H40/67
Claims Analysis
Total Claims: 42
Claim 1
Independent Claim
243 words
A method for providing a user with a healthcare services package, comprising: receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; transmitting a list comprising a plurality of healthcare service providers to the user; receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; using a computer system for determining, a healthcare services package based on the user's selection and the financial parameter; transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein determining the healthcare services package further comprises: using said computer system to aggregate the individual costs of each healthcare service provider on the healthcare services panel; using said computer system to aggregate 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 using said computer system to determine the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 2
Independent Claim
243 words
A method for providing a user with a healthcare services package, comprising: receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; transmitting a list comprising a plurality of healthcare service providers to the user; receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; using a computer system for determining, a healthcare services package based on the user's selection and the financial parameter; transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein determining the healthcare services package further comprises: using said computer system to aggregate the individual costs of each healthcare service provider on the healthcare services panel; using said computer system to aggregate 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 using said computer system to determine the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 3
Independent Claim
317 words
A method for providing a user with a healthcare services package, comprising: receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; transmitting a list comprising a plurality of healthcare service providers to the user; receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; using a computer system for determining a healthcare services package based on the user's selection and the financial parameter; transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package, wherein a healthcare services panel is selected by the user for each of the plurality of individuals, wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein determining the healthcare services package further comprises: using said computer system to aggregate the individual costs of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; using said computer system to aggregate the umbrella policy credits of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; 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 using said computer system to determine the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 4
Independent Claim
317 words
A method for providing a user with a healthcare services package, comprising: receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; transmitting a list comprising a plurality of healthcare service providers to the user; receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; using a computer system for determining a healthcare services package based on the user's selection and the financial parameter; transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package, wherein a healthcare services panel is selected by the user for each of the plurality of individuals, wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein determining the healthcare services package further comprises: using said computer system to aggregate the individual costs of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; using said computer system to aggregate the umbrella policy credits of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; 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 using said computer system to determine the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 5
Dependent Claim
18 words
The method of claim 1 or 2 , wherein the personal information data further comprises a sponsor identifier.
Claim 6
Dependent Claim
16 words
The method of claim 3 , wherein the sponsor identifier identifies an employer of the user.
Claim 7
Dependent Claim
20 words
The method of claim 4 , wherein the financial parameter comprises an amount of healthcare benefits available from the employer.
Claim 8
Dependent Claim
19 words
The method of claim 3 , wherein the sponsor identifier identifies a healthcare administration company associated with the user.
Claim 9
Dependent Claim
26 words
The method of claim 6 , wherein the financial parameter comprises an amount of healthcare benefits available from the healthcare administration company associated with the user.
Claim 10
Dependent Claim
13 words
The method of claim 3 , wherein the sponsor identifier identifies the user.
Claim 11
Dependent Claim
20 words
The method of claim 8 , wherein the financial parameter comprises an amount of healthcare costs identified by the use.
Claim 12
Dependent Claim
18 words
The method of claim 8 , wherein the financial parameter represents that the user is soliciting price estimates.
Claim 13
Dependent Claim
38 words
The method of claim 1 or 2 , further comprising using said computer system to receive a selection of an anchor provider by the user, wherein the list is provided to the user based on the anchor provider.
Claim 14
Dependent Claim
43 words
The method of claim 1 or 2 , further comprising using said computer system to receive a selection of an anchor provider by the user, wherein the list is provided to the user based on a predefined criteria associated with the anchor provider.
Claim 15
Dependent Claim
27 words
The method of claim 12 , wherein the predefined criteria comprises one of the group consisting of: price, quality, ratings, ranking, location, time, distance and hospital affiliation.
Claim 16
Dependent Claim
38 words
The method of claim 1 or 2 , further comprising using said computer system to receive a selection of a predefined criteria from the user wherein the list is provided to the user based on the predefined criteria.
Claim 17
Dependent Claim
27 words
The method of claim 14 , wherein the predefined criteria comprises one of the group consisting of: price, quality, ratings, ranking, location, time, distance and hospital affiliation.
Claim 18
Dependent Claim
30 words
The method of claim 1 or 2 , wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package.
Claim 19
Dependent Claim
45 words
The method of claim 16 , wherein a healthcare services panel is selected by the user for each of the plurality of individuals, and wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals.
Claim 20
Dependent Claim
39 words
The method of claim 1 , wherein the personal information data further comprises an amount of deductible on an umbrella policy, and wherein the step of determining the healthcare services package is further based on the amount of deductible.
Claim 21
Dependent Claim
42 words
The method of claim 2 , wherein the personal information data further comprises an amount of deductible on an umbrella policy for each individual, and wherein the step of determining the healthcare services package is further based on the amounts of deductible.
Claim 22
Independent Claim
240 words
A system for providing a user with a healthcare services package, comprising: means for receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; means for providing a list comprising a plurality of healthcare service providers to the user; means for receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; means for determining a healthcare services package based on the user's selection and the financial parameter; and means for transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein the means for determining the healthcare services package further comprises: means for aggregating the individual costs of each healthcare service provider on the healthcare services panel; means for aggregating the umbrella policy credits of each healthcare service provider on the healthcare services panel; means for calculating 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 means for determining the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 23
Independent Claim
240 words
A system for providing a user with a healthcare services package, comprising: means for receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; means for providing a list comprising a plurality of healthcare service providers to the user; means for receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; means for determining a healthcare services package based on the user's selection and the financial parameter; and means for transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein the means for determining the healthcare services package further comprises: means for aggregating the individual costs of each healthcare service provider on the healthcare services panel; means for aggregating the umbrella policy credits of each healthcare service provider on the healthcare services panel; means for calculating 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 means for determining the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 24
Independent Claim
315 words
A system for providing a user with a healthcare services package, comprising: means for receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; means for providing a list comprising a plurality of healthcare service providers to the user; means for receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; means for determining a healthcare services package based on the user's selection and the financial parameter; and means for transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package, wherein a healthcare services panel is selected by the user for each of the plurality of individuals, wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals, and wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein the means for determining the healthcare services package further comprises: means for aggregating the individual costs of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; means for aggregating the umbrella policy credits of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; means for calculating 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 means for determining the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 25
Independent Claim
315 words
A system for providing a user with a healthcare services package, comprising: means for receiving personal information data from the user, wherein the personal information data comprises a user identifier and a financial parameter; means for providing a list comprising a plurality of healthcare service providers to the user; means for receiving a selection of a healthcare services panel from the user comprising at least one of the healthcare service providers; means for determining a healthcare services package based on the user's selection and the financial parameter; and means for transmitting a description of the determined healthcare services package to the user, said description including a proposed periodic payment for purchasing said determined healthcare services package, wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package, wherein a healthcare services panel is selected by the user for each of the plurality of individuals, wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals, and wherein each healthcare service provider is associated with an individual cost and an umbrella policy credit and the personal information data further comprises an uncredited umbrella policy cost, and wherein the means for determining the healthcare services package further comprises: means for aggregating the individual costs of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; means for aggregating the umbrella policy credits of each healthcare service provider on the healthcare services panel of each of the plurality of individuals; means for calculating 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 means for determining the healthcare services package based on a sum of the aggregated individual costs and the credited umbrella policy cost.
Claim 26
Dependent Claim
18 words
The system of claim 20 or 21 , wherein the personal information data further comprises a sponsor identifier.
Claim 27
Dependent Claim
16 words
The system of claim 22 , wherein the sponsor identifier identifies an employer of the user.
Claim 28
Dependent Claim
20 words
The system of claim 23 , wherein the financial parameter comprises an amount of healthcare benefits identified by the employer.
Claim 29
Dependent Claim
19 words
The system of claim 22 , wherein the sponsor identifier identifies a healthcare administration company associated with the user.
Claim 30
Dependent Claim
26 words
The system of claim 25 , wherein the financial parameter comprises an amount of healthcare benefits available from the healthcare administration company associated with the user.
Claim 31
Dependent Claim
13 words
The system of claim 22 , wherein the sponsor identifier identifies the user.
Claim 32
Dependent Claim
20 words
The system of claim 27 , wherein the financial parameter comprises an amount of healthcare costs identified by the user.
Claim 33
Dependent Claim
18 words
The system of claim 27 , wherein the financial parameter represents that the user is soliciting price estimates.
Claim 34
Dependent Claim
35 words
The system of claim 20 or 21 , further comprising means for receiving a selection of an anchor provider by the user, wherein the list is provided to the user based on the anchor provider.
Claim 35
Dependent Claim
40 words
The system of claim 20 or 21 , further comprising means for receiving a selection of an anchor provider by the user, wherein the list is provided to the user based on a predefined criteria associated with the anchor provider.
Claim 36
Dependent Claim
27 words
The system of claim 31 , wherein the predefined criteria comprises one of the group consisting of: price, quality, ratings, ranking, location, time, distance and hospital affiliation.
Claim 37
Dependent Claim
35 words
The system of claim 20 or 21 , further comprising means for receiving a selection of a predefined criteria from the user wherein the list is provided to the user based on the predefined criteria.
Claim 38
Dependent Claim
27 words
The system of claim 33 , wherein the predefined criteria comprises one of the group consisting of: price, quality, ratings, ranking, location, time, distance and hospital affiliation.
Claim 39
Dependent Claim
30 words
The system of claim 20 or 21 , wherein the personal information data further comprises an identification of a plurality of individuals to be associated with the healthcare services package.
Claim 40
Dependent Claim
45 words
The system of claim 35 , wherein a healthcare services panel is selected by the user for each of the plurality of individuals, and wherein the healthcare services package is further determined based on the healthcare services panel of each of the plurality of individuals.
Claim 41
Dependent Claim
39 words
The system of claim 20 , wherein the personal information data further comprises an amount of deductible on an umbrella policy, and wherein the means for determining the healthcare services package is further based on the amount of deductible.
Claim 42
Dependent Claim
42 words
The system of claim 21 , wherein the personal information data further comprises an amount of deductible on an umbrella policy for each individual, and wherein the means for determining the healthcare services package is further based on the amounts of deductible.
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USPTO Annuity & Maintenance Windows
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| 7.5 Years (Year 8) | 2011-05-11 | 2011-11-10 | 2012-05-11 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2015-05-11 | 2015-11-10 | 2016-05-11 | $7700.00 | Window Closed / Lapsed |