Abstract: A method and apparatus for coordinating payment of healthcare expenses is disclosed. The method comprises determining a co-payment amount based on a customer's insurance coverage, determining the availability of funds from a plurality of the consumer's prioritized accounts, and deducting at least a portion of the co-payment from the highest priority account having available funds.

Abstract: A method and apparatus for coordinating payment of healthcare expenses is disclosed. The method comprises determining a co-payment amount based on a customer's insurance coverage, determining the availability of funds from a plurality of the consumer's prioritized accounts, and deducting at least a portion of the co-payment from the highest priority account having available funds.

Abstract: An improved method of appraising a mammal's health includes the steps of: measuring the values of a plurality of factors indicative of different health parameters at a first time; normalizing the measured values of said factors at the first time; and arranging such normalized measured values at said first time in a first sequence; thereby to have said first sequence represent the mammal's health at the first time. The method may include the additional steps of: measuring the values of such plurality of factors at a second time; normalizing the measured values of such factors at the second time; arranging such normalized measured values in a second sequence; and comparing the second sequence with the first sequence or with a similar sequences from a plurality of similar animals recording the same primary afflicting condition.

Abstract: The present invention broadly provides an improved method (20) of adjusting, with the aid of a digital computer, an insurance premium charged by a payor to a customer so as to correlate more closely with the expected claims of that customer during a policy period. The improved method broadly includes the steps of: obtaining historical data, including the parameters of a past rate, of the customer (22); determining risk factors that influence or affect the insurance premium (23); creating an algorithm to adjust the insurance premium as a function of the risk factors (24); receiving a request for a rate adjustment (21); and calculating in the computer an adjustment to the premium as a function of the algorithm so as to increase the correlation between the premium to be charged and the expected claims of the customer during the policy period (26).

Abstract: An improved method of appraising a mammal's health includes the steps of: measuring the values of a plurality of factors indicative of different health parameters at a first time; normalizing the measured values of said factors at the first time; and arranging such normalized measured values at said first time in a first sequence; thereby to have said first sequence represent the mammal's health at the first time. The method may include the additional steps of: measuring the values of such plurality of factors at a second time; normalizing the measured values of such factors at the second time; arranging such normalized measured values in a second sequence; and comparing the second sequence with the first sequence or with a similar sequences from a plurality of similar animals recording the same primary afflicting condition.