| 摘要 |
An on-demand and real-time evidence based cost modeling and predictive analysis system, and a financial incentives based plan to reduce healthcare costs. An analytics system that includes a data aggregator and regression models generates incremental expenditures among overweight and obese individuals, predictive forecasts of future medical costs, and predictive forecasts of cost reduction based on financial incentives to recipients. The forecasts may include interactions, personalized variables, statistical trends, prevalence of diseases based on body mass index and/or age, and medical evidence associated with specific illnesses. A computer-based program may process and analyze variables in healthcare records. A health insurance provider may provide an annual rebate on paid premiums to recipients based on a qualifying annual BMI as an incentive. The recipients may receive the rebates in a qualified Healthcare Individual Reimbursement Account (HIRA) managed by the recipients towards future healthcare related expenditures. |
| 主权项 |
1. A method of predicting future healthcare payments for an illness within a cohort of individuals, comprising:
building, by a services platform device of a processing apparatus, a cause-effect relationship and compound effect model based on a plurality of dependent and independent variables and interactions associated with illnesses, wherein the services platform device includes a processor; harvesting, by a data harvester, a plurality of structured and semi-structured healthcare datasets, including electronic health records, medical health records, and personal health records, from a plurality of healthcare data providers; aggregating, by a data aggregator of the services platform device, the plurality of structured and semi-structured healthcare datasets that were harvested to produce aggregated healthcare datasets; performing, by the services platform device, risk assessments using differential and statistical regression analysis on the aggregated healthcare datasets, wherein the risk assessments are based on a first set of variables related to characteristics of an individual and interactions that are expressed as a second set of variables; estimating, by the services platform device, incremental and lifetime costs associated with illnesses for individuals with a healthy body mass index (BMI) that is less than 24.99 that are with and without an illness, based on the cause-effect relationship and compound effect model; and estimating, by the services platform device, incremental and lifetime costs associated with illnesses for individuals with an unhealthy BMI that is greater than 25 that are with and without an illness, based on the cause-effect relationship and compound effect model. |
