System and method for selecting healthcare management
The present invention is directed to a system and method which allows a prospective insured to make an informed decision on healthcare insurance or a specific health care management decision by using a current medical profile to assist in their selection. Based on past medical care, as obtained from payor data, a number of different plans, each having different providers, different deductibles, different maximums, different reimbursement policies, etc., a person can make an informed decision. When a family has different payors for different family members, a proper blend of payors can be more easily selected since the payors (or a single payor) has a medical profile of each family member and also has information on providers in the network, prescription policies, deductibles, maximums, etc.
1. A method for assisting a user in selecting a medical reimbursement plan, said method comprising:
abstracting, by a processor, medical information coming to a first payor from medical providers before the medical information reaches the first payor, said abstracted information pertaining to a particular patient and coming from diverse locations and from diverse disciplines, said abstracted information being data pertinent for subsequent comparison with medical reimbursement plans and being less than a totality of the information provided to said first payor pertaining to a particular patient;
abstracting, by a processor, non-medical information coming from diverse locations and pertaining to a particular patient, wherein the abstracted non-medical information is selected from the group consisting of lifestyle information, travel information and information about future plans;
wherein the abstracting includes converting, by at least one adaptor prior to storing, the medical and non-medical information from one or more formats;
storing the converted abstracted medical and non-medical information over a period of time on a patient-by-patient basis;
upon a request from a user, providing, by a processor, at least said stored information for comparisons with medical reimbursement plans;
displaying for the user the comparisons with medical reimbursement plans;
wherein the abstracted medical information includes parameters for medical reimbursement plans available to the user through a spouse;
further wherein abstracted medical information coming to a payor of the spouse from medical providers pertaining to the spouse is obtained by a processor from the spouse's payor; and
wherein the spouse's payor may or may not be identical to the first payor.
2. The method of claim 1 wherein said abstracted medical and/or non-medical information is contained in a message sent over the Internet.
3. The method of claim 1 wherein said abstracted medical and/or non-medical information provides a holistic view of said patient's medical condition.
4. The method of claim 1 wherein said abstracted medical and/or non medical information is established by at least one of the following: a health care provider, a system administrator, a patient.
5. The method of claim 1 further comprising:
storing, in association with said abstracted medical information, data arriving from individual patients, said data pertaining to testing results obtained by said patient.
6. The method of claim 5 further comprising:
storing, in association with said abstracted medical information, data arriving from individual patients pertaining to future anticipated medical procedures.