| 摘要 |
A tool comparing different health insurance plans. A User can review a plurality of health plans for likely cost, quality, and provider availability. The results are arranged in a table according to selectable criteria, such as actuarially estimated total costs (premiums plus actuarial estimate of out-of-pocket). Actuarial cost estimates are used with one or more of the following: personalized summary quality measures produced by the User's applying personal weights to different aspects of quality; availability of User-selected health care providers indicating if these providers participate in each listed plan; information on the costs and quality of available health care providers; ability for User to adjust actuarial estimates based on User-predicted health care conditions, procedures, and products; and ability for User to adjust premiums based on User preference as to whether to accept the full available subsidy. User can sort, filter, and select plans based on displayed features. |
| 主权项 |
1. A computer implemented system for controlling the output of a computer monitor having a plurality of upper and lower stacked display levels, having at least one non-stacked display level and having components of a display level, including a results level, such that a lower display level can be reached by drilling down in an upper display level so as to assist a User to make an optimum selection from a plurality of simultaneously displayed health insurance plans in the results level, the results level being a single display level, each plan in the results level, being made by a health insurance offeror, the display levels displaying estimated average expected cost, including premium and out-of-pocket cost, for Users with characteristics like the characteristics of the User, and displaying whether or not each health insurance plan has in its network a provider the User identifies as a provider the User wants to have available through the plan, the system comprising:
a. a first display level permitting the User to enter information on the characteristics of the User and displaying such information on the User; b. a second display level permitting the User to select health care providers and displaying the selected providers that the User wants to be available through a health insurance plan; c. a display including several display components:
1. a display component showing the identity of each offeror and the identity of each plan, said display component located on the results level;2. a display component located on the results level and using the entered User information and determining the characteristics of the User and displaying a calculated actuarial estimate of the User's weighted average expected out-of-pocket cost with the health insurance plan, which out-of-pocket amount is the cost the User must pay above the premium, said calculation based on an actuarial evaluation of data on the distribution of usage and expenses incurred by populations with characteristics similar to those of the User;3. a display component that simultaneously displays for each of a plurality of health insurance plans whether each plan includes a health care provider the User has identified as a provider the User wants available; and wherein the results display level simultaneously displays a plurality of factors about each health insurance plan from the second display level and components 1, 2 and 3 of the results level. |
