Prescription drug fulfillment system and method

1. A system for fulfilling a prescription of a prescription product for a patient covered by an insurance provider, the system including at least one processor in communication with at least one memory device, the system communicatively coupled between a healthcare provider (HCP) computing device, a pharmacy computing device associated with a pharmacy, a patient computing device, and a plurality of insurance provider databases, wherein the at least one processor is programmed to:

receive, from the HCP computing device, a prescription request including patient data relating to the patient;

determine, in response to receiving the prescription request from the HCP computing device, the insurance provider of the patient based on the received patient data included in the prescription request;

determine, in response to receiving the prescription request from the HCP computing device, by communicating with the plurality of insurance provider databases, an insured cost for the prescription for the patient, wherein the insured cost is a cost the patient will pay for the prescription when a claim is filed with the determined insurance provider;

determine, in response to receiving the prescription request from the HCP computing device, a non-insured cost for the prescription for the patient, wherein the non-insured cost is a cost the patient will pay for the prescription without the claim being filed;

perform a comparison of the insured cost to the non-insured cost to determine which cost is lower;

determine, based on historical data for a plurality of other patients, predicted patient behavior data, wherein the predicted patient behavior data indicates whether the patient is likely to select the insured cost or the non-insured cost;

generate, based on a combination of i) the comparison of the insured cost to the non-insured cost and ii) the predicted patient behavior data, a recommendation for the patient, wherein the recommendation recommends the patient select the insured cost or the non-insured cost;

cause the recommendation to be displayed to the patient;

if the patient selects, based on the recommendation, the insured cost:

transmit, to the patient computing device, a message to the patient including (i) a first payment transaction request prompting the patient to enter payment details for the insured cost, and (ii) an authorization prompt for the patient to authorize the filing of the insurance claim and a first payment transaction for the insured cost; and

process the insurance claim and the first payment transaction for the insured cost upon authorization by the patient;

if the patient selects, based on the recommendation, the non-insured cost:

transmit, to the patient computing device, a second payment transaction request prompting the patient to enter payment details for the non-insured cost and authorize a second payment transaction for the non-insured cost; and

process the second payment transaction for the non-insured cost upon authorization by the patient; and

transmit the prescription to the pharmacy computing device for further processing.

2. The system of claim 1 ,

wherein to determine the insured cost, the processor is configured to:

aggregate, using a data aggregator, insurance data from the plurality of insurance provider databases; and

compare the patient data against the aggregated insurance data to determine the insured cost; and

wherein to determine the non-insured cost, the processor is configured to retrieve, from a database, the non-insured cost, the non-insured cost taking into account at least one of a coupon, a rebate, and a discount.

3. The system of claim 2 , wherein the processor is further configured to:

transmit a message to the patient computing device including a verification request that prompts the patient to verify the determined insurance provider; and

transmit a message to the patient computing device notifying the patient of at least one of (i) the pharmacy has received the prescription, (ii) the pharmacy has filled the prescription, and (iii) the pharmacy has mailed the prescription to the patient.

4. The system of claim 1 , wherein to determine the insured cost, the processor is further configured to:

receive the insured cost from the pharmacy computing device, wherein the pharmacy computing device determines the insured cost by processing a test claim for the prescription using a pharmacy management system and without actually fulfilling the prescription.

5. The system of claim 1 , wherein the system facilitates refilling of the prescription, and wherein the processor is further configured to:

receive a request message for a prescription refill;

determine whether at least one of the insured cost and the non-insured cost has changed since the initial prescription; and

transmit a message to the patient computing device if at least one of the insured cost and the non-insured cost has changed, wherein the message includes an updated refill cost and an authorization prompt that prompts the patient to authorize the refill of the prescription.

6. The system of claim 1 , wherein the processor is further configured to:

transmit a message to the patient computing device, wherein the message includes at least one of a link to download an application on the patient computing device and an invitation code; and

after the application is downloaded, transmit the messages to the application on the patient computing device of the patient.

7. The system of claim 1 , wherein the prescription is a prescription for the drug levothyroxine.

8. The system of claim 1 , wherein to determine the predicted patient behavior data, the processor is configured to determine the predicted based behavior data by comparing i) the historical data with ii) demographic data for that patient that is included in the patient data.

9. A computer-implemented method for fulfilling a prescription for a patient covered by an insurance provider, the method comprising:

receiving, at a prescription fulfillment system, from a healthcare provider (HCP) computing device, a prescription request including patient data relating to the patient, wherein the prescription fulfillment system is communicatively coupled between the HCP computing device, a pharmacy computing device associated with a pharmacy, a patient computing device, and a plurality of insurance provider databases;

determining, in response to receiving the prescription request from the HCP computing device, the insurance provider of the patient based on the received patient data included in the prescription request;

determining, in response to receiving the prescription request from the HCP computing device, by communicating with the plurality of insurance provider databases, an insured cost for the prescription for the patient, wherein the insured cost is a cost the patient will pay for the prescription when a claim is filed with the determined insurance provider;

determining, in response to receiving the prescription request from the HCP computing device, a non-insured cost for the prescription for the patient, wherein the non-insured cost is a cost the patient will pay for the prescription without the claim being filed;

perform a comparison of the insured cost to the non-insured cost to determine which cost is lower;

determining, based on historical data for a plurality of other patients, predicted patient behavior data, wherein the predicted patient behavior data indicates whether the patient is likely to select the insured cost or the non-insured cost;

generating, based on a combination of i) the comparison of the insured cost to the non-insured cost and ii) the predicted patient behavior data, a recommendation for the patient, wherein the recommendation recommends the patient select the insured cost or the non-insured cost;

transmitting, to the patient computing device, a message to the patient including the recommendation;

receiving a user selection of the insured cost or the non-insured cost for the prescription;

when the user selection is for the insured cost:

transmitting, to the patient computing device, a message to the patient including (i) a first payment transaction request prompting the patient to enter payment details for the insured cost, and (ii) an authorization prompt for the patient to authorize the filing of the insurance claim and a first payment transaction for the insured cost; and

processing the insurance claim and the first payment transaction for the insured cost upon authorization by the patient;

when the user selection is for the non-insured cost:

transmitting, to the patient computing device, a second payment transaction request prompting the patient to enter payment details for the non-insured cost and authorize a second payment transaction for the non-insured cost; and

processing the second payment transaction for the non-insured cost upon authorization by the patient; and

transmitting the prescription to the pharmacy computing device for further processing.

10. The computer-implemented method of claim 9 ,

wherein determining the insured cost comprises:

aggregating, using a data aggregator, insurance data from the plurality of insurance provider databases; and

comparing the patient data against the aggregated insurance data to determine the insured cost; and

wherein determining the non-insured cost comprises retrieving, from a database, the non-insured cost, the non-insured cost taking into account at least one of a coupon, a rebate, and a discount.

11. The computer-implemented method of claim 10 , wherein the method further comprises:

transmitting a message to the patient computing device including a verification request for the patient to verify the determined insurance provider; and

transmitting a message to the patient computing device notifying the patient of at least one of (i) the pharmacy has received the prescription, (ii) the pharmacy has filled the prescription, and (iii) the pharmacy has mailed the prescription to the patient.

12. The computer-implemented method of claim 9 , wherein the method further comprises:

receiving the insured cost from the pharmacy computing device, wherein the pharmacy computing device determines the insured cost by processing a test claim for the prescription using a pharmacy management system and without actually fulfilling the prescription.

13. The computer-implemented method of claim 9 , wherein the method further comprises:

receiving a request message for a prescription refill from the HCP computing device;

determining that the non-insured cost has changed since the initial prescription; and

transmitting a message to the patient computing device indicating that the non-insured cost has changed, wherein the message includes an updated refill cost and an authorization prompt that prompts the patient to authorize the refill of the prescription.

14. The computer-implemented method of claim 9 , wherein the method further comprises:

transmitting a message to the patient computing device, wherein the message includes at least one of a link to download an application and an invitation code; and

after the application is downloaded, transmitting the messages to the application on the patient computing device of the patient.

15. At least one non-transitory computer-readable media having computer-executable instructions thereon, wherein when executed by at least one processor of a prescription fulfillment system, cause the at least one processor to:

receive, from a healthcare provider (HCP) computing device, a prescription request including patient data relating to a patient, the processor communicatively coupled between the HCP computing device, a pharmacy computing device associated with a pharmacy, a patient computing device, and a plurality of insurance provider databases;

determine, in response to receiving the prescription request from the HCP computing device, an insurance provider of the patient based on the received patient data included in the prescription request;

determine, in response to receiving the prescription request from the HCP computing device, by communicating with the plurality of insurance provider databases, an insured cost for a prescription for the patient, wherein the insured cost is a cost the patient will pay for the prescription when a claim is filed with the determined insurance provider;

determine, in response to receiving the prescription request from the HCP computing device, a non-insured cost for the prescription for the patient, wherein the non-insured cost is a cost the patient will pay for the prescription without the claim being filed;

perform a comparison of the insured cost to the non-insured cost to determine which cost is lower;

determine, based on historical data for a plurality of other patients, predicted patient behavior data, wherein the predicted patient behavior data indicates whether the patient is likely to select the insured cost or the non-insured cost;

generate, based on a combination of i) the comparison of the insured cost to the non-insured cost and ii) the predicted patient behavior data, a recommendation for the patient, wherein the recommendation recommends the patient select the insured cost or the non-insured cost;

cause the recommendation to be displayed to the patient;

if the patient selects, based on the recommendation, the insured cost:

transmit, to the patient computing device, a message to the patient including (i) a first payment transaction request prompting the patient to enter payment details for the insured cost, and (ii) an authorization prompt for the patient to authorize the filing of the insurance claim and a first payment transaction for the insured cost; and

process the insurance claim and the first payment transaction for the insured cost upon authorization by the patient;

if the patient selects, based on the recommendation, the non-insured cost:

transmit, to the patient computing device, a second payment transaction request prompting the patient to enter payment details for the non-insured cost and authorize a second payment transaction for the non-insured cost; and

process the second payment transaction for the non-insured cost upon authorization by the patient; and

transmit the prescription to the pharmacy computing device for further processing.

16. The computer-readable media of claim 15 further causing the at least one processor to, in transmitting the prescription, transmit the prescription to the pharmacy computing device to cause the pharmacy to fill the prescription and mail the filled prescription to the patient.

17. The computer-readable media of claim 16 further causing the at least one processor to:

transmit a message to the patient computing device including a verification request for the patient to verify the determined insurance provider; and

transmit a message to the patient computing device notifying the patient of at least one of (i) the pharmacy has received the prescription, (ii) the pharmacy has filled the prescription, and (iii) the pharmacy has mailed the prescription to the patient.

18. The computer-readable media of claim 15 further causing the at least one processor to:

receive the insured cost from the pharmacy computing device, wherein the pharmacy computing device determines the insured cost by processing a test claim for the prescription using a pharmacy management system and without actually fulfilling the prescription.

19. The computer-readable media of claim 15 further causing the at least one processor to:

receive a request message for a prescription refill from the HCP computing device;

determine whether at least one of the insured cost and the non-insured cost has changed since the initial prescription; and

transmit a message to the patient computing device if at least one of the insured cost and the non-insured cost has changed, wherein the message includes an updated refill cost and an authorization prompt that prompts the patient to authorize the refill of the prescription.

20. The computer-readable media of claim 15 further causing the at least one processor to:

transmit a message to the patient computing device of the patient, wherein the message includes at least one of a link to download an application on the patient computing device and an invitation code; and

after the application is downloaded, transmit the messages to the application on the patient computing device of the patient.