Inventors:
Dennis Hillen - Prospect KY, US
Assignee:
HUMANA INC. - Louisville KY
International Classification:
G06Q 20/14
G06Q 50/22
Abstract:
A financial intermediary for electronic health claims processing is disclosed. The financial intermediary provides consolidated billing of healthcare provider charges for consumers. Consumers receive from the financial intermediary one itemized statement that provides a clear and aggregated view of past medical events and charges from one or more healthcare providers. The statement clearly identifies the consumer's financial responsibility to the healthcare providers and a total amount owed to the providers. The consumer sends a single payment to the financial intermediary and the financial intermediary pays the healthcare providers. In one embodiment, medical events may be organized on the statement according to episodes of care. An episode of care identifier is assigned at the time of provider billing so that charges on a consolidated statement may be organized according to the identifiers. When the statement is generated, the charges are grouped according to identifiers for episodes of care.
