Use determination risk coverage datastructure for on-demand and increased efficiency coverage detection and rebalancing apparatuses, methods and systems

US11663670B1 · kind B1 · utility

Assignee

• Bind Benefits, Inc. · US

Inventors

• Anthony Miller · San Francisco, US
• Matthew Chock · Apple Valley, US
• David S. Dickey · Minneapolis, US
• Glen P. Eiden · Forest Lake, US
• Trevor Fast · San Francisco, US
• Shawn Wagoner · Minneapolis, US
• Matthew Wiandt · Bloomington, US
• Jessica Zeaske · Minneapolis, US

Key dates

• Filing date: Jun 23, 2017
• Grant date: May 30, 2023
• Expiry date: Dec 20, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q10/10
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The Use Determination Risk Coverage Datastructure for On-Demand and Increased Efficiency Coverage Detection and Rebalancing Apparatuses, Methods and Systems (“UDRCD”) transforms coverage enrollment request, event signal inputs via UDRCD components into coverage enrollment response, add-in recommendation outputs. A coverage enrollment request from a user is obtained. Available options for an enrollment user interface are configured based on the plan sponsor settings. Copay setting selections for individual core coverage services, atomized condition add-in selections, and atomized procedure add-in selections are obtained via the enrollment user interface. A core coverage cost and add-in coverage costs are calculated using the associated modeling data. A user cost for the user is calculated based on the core coverage cost, the subsidization settings for the core coverage cost, the add-in coverage costs, and the subsidization settings for the add-in coverage costs. The enrollment user interface is configured to display the calculated user cost for the user.