SYSTEM AND METHOD FOR FACILITATING HEALTH SAVINGS ACCOUNT PAYMENTS
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United States of America Patent
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N/A
Issued Date -
May 21, 2009
app pub date -
Nov 20, 2007
filing date -
Nov 20, 2007
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
Ways are provided for a health care organization (HCO) to facilitate payments from a tax-advantaged medical savings account, such as an HSA account, in conjunction with claim processing, by way of automatically debiting an HSA account and providing an integrated claim payment adjustment functionality to eliminate underpayments and/or overpayments for the HSA and health plan balances. A claim processing module reprocesses the claim to adjust the respective balances in one or more of the following ways: (a) HCO crediting the HSA account to eliminate the overpayment from the HSA, (b) HCO issuing a collection request to the health care provider to adjust for overpayment of the HCO balance, (c) HCO issuing a second payment to the health care provider to adjust for the underpayment of the HCO balance, and (d) HCO rebalancing the member and HCO-responsible portions of the claim.
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