公开(公告)号：US20090171854A1

公开(公告)日：2009-07-02

申请号：US12005789

申请日：2007-12-29

申请人： Victor Joseph ,  Amjad Huda ,  Azhar Huda ,  Pia Annamkutty Victor ,  Joy Joseph Victor

发明人： Victor Joseph ,  Amjad Huda ,  Azhar Huda ,  Pia Annamkutty Victor ,  Joy Joseph Victor

IPC分类号： G06Q10/00 ,  G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q50/188

摘要： Disclosed herein is a computer implemented method and system for providing increased health insurance benefits to employees of business entities for an insurance premium charge. A third party collects health plan requirements and critical health information from the employees. The third party then proposes health plans from health insurance companies to the business entities. Each employee of the business entities chooses a health plan. The third party combines the employees into groups based on the chosen health plans and geographic location of the business entities. The third party negotiates with the health insurance companies regarding health insurance benefits and insurance premium charges offered for the combined employee groups. Authorized personnel may be provided access to the critical health information of the employees. The access to the critical health information improves quality of health care provided to the employees by the attending physicians and reduces the liability to health insurance companies.

摘要翻译： 本文公开了一种计算机实现的方法和系统，用于为保险费收费的商业实体的雇员提供增加的健康保险福利。 第三方从员工收集健康计划要求和关键健康信息。 然后，第三方提出健康保险公司对企业的健康计划。 企业实体的每个员工选择健康计划。 第三方根据所选择的健康计划和业务实体的地理位置将员工组合成组。 第三方与健康保险公司就合并雇员组织提供的健康保险福利和保险费收费进行磋商。 可以向被授权人员提供对员工的关键健康信息的访问。 获得关键的健康信息可以提高主治医师向员工提供的医疗保健质量，降低医疗保险公司的责任。