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:
Jul. 10, 2012
Filed:
Dec. 13, 2002
Applicants:
Michael P. Heffley, Amherst, NY (US);
Robert M. States, East Amherst, NY (US);
Michael J. Colson, East Amherst, NY (US);
Inventors:
Michael P. Heffley, Amherst, NY (US);
Robert M. States, East Amherst, NY (US);
Michael J. Colson, East Amherst, NY (US);
Assignee:
Manning & Napier Information Services, LLC, Amherst, NY (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2012.01);
U.S. Cl.
CPC ...
Abstract
A method and apparatus for coordinating payment of healthcare expenses is disclosed. The method comprises determining a co-payment amount based on a customer's insurance coverage, determining the availability of funds from a plurality of the consumer's prioritized accounts, and deducting at least a portion of the co-payment from the highest priority account having available funds.