Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: A method for providing insurance coverage to a subscriber comprises offering an insurance policy to said subscriber wherein said insurance policy comprises providing allowances to pay for one or more expenses covered by said insurance policy and providing monetary credits to said subscriber for any unused portion of a given allowance where said 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 said subscriber having to declare said payment as taxable income.

Abstract: A method of transaction approval and substantiation employing accumulator logic for medical, dental, and vision claims. For example, a health care plan member may utilize an electronic payment card to pay for various health care related expenses where that electronic payment card is deducting from that member's flexible spending account, health reimbursement arrangement, or other such accounts. For substantiation of a card transaction, in addition to copay matching, paid claim matching, and recurring transaction matching for medical, dental, and vision claims, the method of the current invention further employs accumulator logic processing where the transaction is substantiated if the card swipe amount for that transaction is less than or equal to the sum in an accumulator for the previously paid claims in the appropriate medical, dental, or vision claim area.

Abstract: A method of transaction approval and substantiation employing accumulator logic for medical, dental, and vision claims. For example, a health care plan member may utilize an electronic payment card to pay for various health care related expenses where that electronic payment card is deducting from that member's flexible spending account, health reimbursement arrangement, or other such accounts. For substantiation of a card transaction, in addition to copay matching, paid claim matching, and recurring transaction matching for medical, dental, and vision claims, the method of the current invention further employs accumulator logic processing where the transaction is substantiated if the card swipe amount for that transaction is less than or equal to the sum in an accumulator for the previously paid claims in the appropriate medical, dental, or vision claim area.