Pre-funded health insurance

Details Pre-funded health insurance Pre-funded health insurance

2011-04-26

2011-04-26

Kalinowski, Alexander (Department: 3691)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Insurance

Reexamination Certificate

active

07933788

ABSTRACT:
An intermediary provides pre-funded health insurance to consumers by receiving and processing consumer information and initiating agreements with consumers and with health care providers to implement pre-funded insurance policies, for example, post-retirement health insurance policies. The intermediary may receive information corresponding to the consumer's age, income, health characteristics, and risk factors, as well as the type of insurance coverage desired. A retirement date and a consumer payment schedule for the health insurance policy may be determined based on the consumer information provided. Upon retirement, the intermediary may then pay insurance premiums to a health insurance provider on behalf of the consumer.

REFERENCES:
patent: 2008/0077450 (2008-03-01), Klippel
patent: 2008/0120143 (2008-05-01), Beauregard et al.
patent: 2009/0094065 (2009-04-01), Hyde et al.
Principal Financial Group Announces New Arrangement with Dental Health Services; Agreement Benefits Dental Customers in California. (Sep. 7). Business Wire, 1. Business Dateline. (Document ID: 689020351).
Victor Cohn. (Nov. 12, 1991). Choosing a Health Plan; Consumers Confront Higher Premiums and Bare-Bones Coverage :[Final Edition]. The Washington Post (pre-1997 Fulltext),p. z14. Business Dateline. (Document ID: 74750900).

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