Cullen L. Reed;Maureen M. Kinser;Sandra L. Bartel;Jonathan T. Lord;Benjamin E. Slen;Elizabeth D. Bierbower
发明人:
Benjamin E. Slen,Cullen L. Reed,Elizabeth D. Bierbower,Maureen M. Kinser,Jonathan T. Lord,Sandra L. Bartel
申请号：
US13407262
公开号：
US08265956B2
申请日:
2012.02.28
申请国别(地区):
US
年份:
2012
代理人:
摘要：
A method for providing insurance coverage to a subscriber comprises offering an insurance policy to the subscriber wherein the insurance policy comprises providing allowances to pay for one or more expenses covered by the insurance policy and providing monetary credits to the subscriber for any unused portion of a given allowance where the 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 the subscriber having to declare the payment as taxable income.
