公开(公告)号：WO2006023308A3

公开(公告)日：2006-03-02

申请号：PCT/US2005/028073

申请日：2005-08-05

Applicant: HUMANA INC. ,  SLEN, Benjamin, E. ,  REED, Cullen, L. ,  BIERBOWER, Elizabeth, D. ,  KINSER, Maureen, M. ,  BARTEL, Sandra, L. ,  LORD, Jonathan, T.

Inventor： SLEN, Benjamin, E. ,  REED, Cullen, L. ,  BIERBOWER, Elizabeth, D. ,  KINSER, Maureen, M. ,  BARTEL, Sandra, L. ,  LORD, Jonathan, T.

IPC: G06Q50/00 ,  G06Q40/00

Abstract: A method for providing insurance coverage to a subscriber comprises offering an insurance policy to said subscriber wherein said insurance policy comprises providing allowances to pay for one or more expenses covered by said insurance policy and providing monetary credits to said subscriber for any unused portion of a given allowance where said monetary credits can be used to cover the cost of a subsequent allowed expense. The insurance policy may be a pharmacy benefits plan. The covered expenses may be pharmacy expenses. The allowed expenses may be medical expenses which qualify under section 213 of the US Internal Revenue code for payment by an employer without said subscriber having to declare said payment as taxable income.

公开(公告)号：WO2006023308A2

公开(公告)日：2006-03-02

申请号：PCT/US2005028073

申请日：2005-08-05

Applicant: HUMANA INC ,  SLEN BENJAMIN E ,  REED CULLEN L ,  BIERBOWER ELIZABETH D ,  KINSER MAUREEN M ,  BARTEL SANDRA L ,  LORD JONATHAN T

Inventor： SLEN BENJAMIN E ,  REED CULLEN L ,  BIERBOWER ELIZABETH D ,  KINSER MAUREEN M ,  BARTEL SANDRA L ,  LORD JONATHAN T

CPC classification number: G06Q40/08 ,  G06Q50/22 ,  G06Q50/24

Abstract: A method for providing insurance coverage to a subscriber comprises offering an insurance policy to said subscriber wherein said insurance policy comprises providing allowances to pay for one or more expenses covered by said insurance policy and providing monetary credits to said subscriber for any unused portion of a given allowance where said monetary credits can be used to cover the cost of a subsequent allowed expense. The insurance policy may be a pharmacy benefits plan. The covered expenses may be pharmacy expenses. The allowed expenses may be medical expenses which qualify under section 213 of the US Internal Revenue code for payment by an employer without said subscriber having to declare said payment as taxable income.

Abstract translation: 向用户提供保险的方法包括向所述用户提供保险单，其中所述保险单包括提供津贴以支付由所述保险单涵盖的一个或多个费用，并向所述用户提供任何给定的未使用部分的货币信用 可以使用所述货币信用额度来支付后续允许费用的费用的津贴。 保险单可能是药房福利计划。 所涉费用可能是药学费用。 允许的费用可以是医疗费用，符合“美国国税局”第213条规定，由雇主支付，而没有所述用户必须将所述付款作为应纳税所得。