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    • 1. 发明授权
    • Health plan management method and apparatus
    • 健康计划管理方法和设备
    • US08706524B2
    • 2014-04-22
    • US13535549
    • 2012-06-28
    • Albert R. DiPieroDavid G. Sanders
    • Albert R. DiPieroDavid G. Sanders
    • G06Q10/00
    • G06F19/34G06F19/00G06F19/324G06F19/328G06Q10/10G06Q20/04G06Q20/28G06Q40/00G06Q40/02G06Q40/06G06Q40/08G06Q50/22
    • Techniques and apparatus for managing contributions to an accruable health spending account in an employer-sponsored plan offering a member an employer-funded defined contribution, at least one insurance premium option and the ability to specify an allocation of the defined contribution for payment of option premiums and in turn, a directed contribution amount designated to such accruable account are disclosed. The accruable account may be used to reimburse the member for qualified medical expenses, and the member may pay any premium shortfall using a tax-advantaged process such as a premium only payment plan. Also disclosed are techniques and apparatus directed to presenting member-specific out-of-pocket expenses for a selected procedure offered by at least one health-care provider.
    • 在雇主资助的计划中管理对可追加的健康支出帐户的捐款的技术和设备,为成员提供雇主资助的定义的供款,至少一种保险费选项,以及指定分配定额供款以支付期权保费的能力 反过来,披露了指定给这样的应收账款的定向缴款金额。 应收账款可用于偿还会员资格的医疗费用,会员可以使用税收优惠流程(如仅保费付款计划)支付任何溢价短缺。 还公开了旨在呈现由至少一个保健提供者提供的所选程序的成员特定的自付费用的技术和装置。
    • 4. 发明授权
    • Health plan management method and apparatus
    • 健康计划管理方法和设备
    • US08214230B1
    • 2012-07-03
    • US12576985
    • 2009-10-09
    • Albert R. DiPieroDavid G. Sanders
    • Albert R. DiPieroDavid G. Sanders
    • G06Q10/00
    • G06F19/34G06F19/00G06F19/324G06F19/328G06Q10/10G06Q20/04G06Q20/28G06Q40/00G06Q40/02G06Q40/06G06Q40/08G06Q50/22
    • Techniques and apparatus for managing contributions to an accruable health spending account in an employer-sponsored plan offering a member an employer-funded defined contribution, at least one insurance premium option and the ability to specify an allocation of the defined contribution for payment of option premiums and, in turn, a directed contribution amount designated to such accruable account are disclosed. The accruable account may be used to reimburse the member for qualified medical expenses, and the member may pay any premium shortfall using a tax-advantaged process such as a premium only payment plan. Also disclosed are techniques and apparatus directed to presenting member-specific out-of-pocket expenses for a selected procedure offered by at least one health-care provider.
    • 在雇主资助的计划中管理对可追加的健康支出帐户的捐款的技术和设备,为成员提供雇主资助的定义的供款,至少一种保险费选项,以及指定分配定额供款以支付期权保费的能力 反过来,披露了指定给这样的应收账款的定向缴款金额。 应收账款可用于偿还会员资格的医疗费用,会员可以使用税收优惠流程(如仅保费付款计划)支付任何溢价短缺。 还公开了旨在呈现由至少一个保健提供者提供的所选程序的成员特定的自付费用的技术和装置。