The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 22, 2011
Filed:
Aug. 04, 2005
Benjamin E. Slen, Louisville, KY (US);
Cullen L. Reed, Louisville, KY (US);
Elizabeth D. Bierbower, Wellesley, MA (US);
Maureen M. Kinser, Louisville, KY (US);
Jonathan T. Lord, Louisville, KY (US);
Sandra L. Bartel, Green Bay, WI (US);
Benjamin E. Slen, Louisville, KY (US);
Cullen L. Reed, Louisville, KY (US);
Elizabeth D. Bierbower, Wellesley, MA (US);
Maureen M. Kinser, Louisville, KY (US);
Jonathan T. Lord, Louisville, KY (US);
Sandra L. Bartel, Green Bay, WI (US);
Humana Inc., Louisville, KY (US);
Abstract
A method for providing insurance coverage to a subscriber comprises offering an insurance policy to said subscriber wherein said insurance policy comprises providing allowances to pay for one or more expenses covered by said insurance policy and providing monetary credits to said subscriber for any unused portion of a given allowance where said 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 said subscriber having to declare said payment as taxable income.