Satori integrated health & financial benefits system and method

Abstract

A shared medical savings system and method are provided that allow a patient to participate in the savings generated by selecting to have a medical procedure performed overseas. The system has one or more computing devices, a link that is capable of connecting the one or more computing devices to a medical shared savings unit that is capable of interacting with the computing devices. An employer uses the computing device to elect to participate in a medical savings plan using a Health Reimbursement Account, a patient using the computing device to select an overseas medical procedure that is part of the medical savings plan so that the savings for the overseas medical procedure is divided between the employer and the patient utilizing a medical savings plan.

What is claimed is: 
     
         1 . A medical shared savings system, comprising:
 one or more computing devices, wherein the one or more computing devices include a patient computing device, a payor computing device and an employer computing device;   a link that is capable of connecting the one or more computing devices to a medical shared savings unit;   the medical shared savings unit capable of interacting with the patient computing device, the payor computing device and the employer computing device wherein an employer using the employer computing device elects to participate in a medical saving plan, a patient using the patient computing device selects an overseas medical procedure that is part of the medical savings plan; and   wherein the savings for the overseas medical procedure is divided between the employer and the patient.   
     
     
         2 . The system of  claim 1 , wherein the link further comprises the Internet. 
     
     
         3 . The system of  claim 1 , wherein each computing device further comprises a processing unit based device with a memory, a display, and connectivity to interact with the medical shared savings. 
     
     
         4 . The system of  claim 3 , wherein each computing device further comprises one of a personal computer, a laptop computer, a tablet computer, a cellular phone, a smart phone and a PDA. 
     
     
         5 . The system of  claim 1 , wherein the employer further comprises one of a Health Maintenance Organizations, a Medicare/Medicaid/MediCal organizations, a Preferred Provider Organization, a pension plan, a municipality, a self-funded employer, a union, and a workers compensation carrier. 
     
     
         6 . The system of  claim 1 , wherein the overseas medical procedure further comprises a medical procedure and all post-operative procedures covered 
     
     
         7 . The system of  claim 6 , wherein the overseas medical procedure further comprises ongoing prescriptions, medical premiums and other expenses. 
     
     
         8 . A medical shared savings method, comprising:
 selecting an overseas medical procedure by a patient from the medical shared savings system which has been authorized by a payor or employer of the patient; and   determining the savings for the overseas medical procedure; and   dividing the savings for the overseas medical procedure between the employer or payor and the patient.   
     
     
         9 . The method of  claim 8 , wherein the employer further comprises one of a health maintenance organizations, a Medicare/Medicaid medical organizations, a preferred provider organization, a pension plan, a municipality, a self-funded employer, a worker's compensation carrier, and a union. 
     
     
         10 . The method of  claim 8 , wherein the overseas medical procedure further comprises a medical procedure and all post-operative procedures covered 
     
     
         11 . The method of  claim 10 , wherein the overseas medical procedure further comprises ongoing prescriptions, medical premiums and other expenses 
     
     
         12 . A medical shared savings system, comprising:
 one or more computing devices, wherein the one or more computing devices include a patient computing device, a payor computing device and an employer computing device;   a link that is capable of connecting the one or more computing devices to a medical shared savings unit;   a link that is capable of connecting the one or more computing devices to a medical shared savings unit;   the medical shared savings unit capable of interacting with the patient computing device, the payor computing device and the employer computing device wherein an employer using the employer computing device elects to participate in a medical saving plan using a health reimbursement account, a patient using the patient computing device selects an overseas medical procedure that is part of the medical savings plan; and   wherein the savings for the overseas medical procedure is divided between the employer and the patient using the health reimbursement account.   
     
     
         13 . The system of  claim 12 , wherein the link further comprises the Internet. 
     
     
         14 . The system of  claim 12 , wherein each computing device further comprises a processing unit based device with a memory, a display, and connectivity to interact with the medical shared savings. 
     
     
         15 . The system of  claim 14 , wherein each computing device further comprises one of a personal computer, a laptop computer, a tablet computer, a cellular phone, a smart phone and a PDA. 
     
     
         16 . The system of  claim 12 , wherein the employer further comprises one of a Health Maintenance Organizations, a Medicare/Medicaid/MediCal organizations, a Preferred Provider Organization, a pension plan, a municipality, a self-funded employer, a union, and a workers compensation carrier. 
     
     
         17 . The system of  claim 12 , wherein the medical shared savings unit calculates a savings between the overseas medical procedure and a US procedure and displays the savings that would be transferred to the health reimbursement account.