| HUMANA INC. Patent applications |
| Patent application number | Title | Published |
|---|
| 20110153353 | PHARMACY PERSONAL CARE ACCOUNT - A method for providing insurance coverage to a subscriber comprises offering an insurance policy to the subscriber wherein the insurance policy comprises providing allowances to pay for one or more expenses covered by the insurance policy and providing monetary credits to the subscriber for any unused portion of a given allowance where the 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 the subscriber having to declare the payment as taxable income. | 06-23-2011 |
| 20110093289 | MEDICARE PHARMACY CALCULATOR II - A method and apparatus for providing a Medicare Part D Pharmacy Benefits Calculator. A computer user inputs data for prescriptions to be purchased by a prospective insured for a plan period. The prescription data includes a quantity, a days supply, and a number of fills. The data for each prescription the user enters is used to calculate anticipated out-of-pocket costs for the prescriptions for one or more pharmacy benefits plans available to the prospective insured. The cost data is presented to the user in a way that illustrates how out-of-pocket costs will vary over the course of a plan period. The user may view costs for alternative drugs and alternatives sources of drugs. The user may vary and expand the presentation of the cost data to better understand the available plan benefits. The invention helps prospective insureds decide among alternative Medicare Part D pharmacy benefits plans offered by one or more insurance companies. | 04-21-2011 |
| 20100036677 | COMPUTERIZED SETTLEMENT AND INVOICE VALIDATION SYSTEM FOR HEALTHCARE SERVICES - A computerized settlement and invoice validation application that enables a payor to validate the charges from a healthcare services provider and to better manage contracting and performance management functions. The application supports claims adjudication and payment processing. It validates all patient activity data that is received from healthcare services providers. Patient activity data relates to episodes involving a single patient care event. The application applies to episodes rules related to clinical and financial requirements for the payor. The application tracks details related to application of the rules to episodes and identifies reasons that an episode fails. Episodes that fail are routed to appropriate staff for review and action. Following review, an episode may be accepted for payment or challenged for various reasons. The application automates a variety of manual tasks and limits manual review to only those activities that require further attention and action. | 02-11-2010 |
| 20090198518 | PRESCRIPTION DRUG PRIOR AUTHORIZATION SYSTEM AND METHOD - An online application for approving prior authorization requests for prescription drugs. The application is used by pharmacy benefits providers, physicians, and pharmacies to request prior authorizations for drugs and to receive approvals automatically if a requested drug meets authorization criteria. The online application is accessible through a group pharmacy benefits provider portal on a web site. Requests are processed through a pharmacy benefits manager computer that determines whether prior authorization is required and through a pharmacy benefits provider computer when the pharmacy benefits manager computer determines that prior authorization is required. Requests that meet certain authorization criteria are approved automatically. Requests that cannot be approved automatically are submitted for review by a clinical pharmacy review division that access requests through a drug request transaction computer. | 08-06-2009 |
