Mark Galvin

Generally, employers provide health insurance plans to their employees. Health insurance plans provided by employers may vary with regard to covered procedures, drugs, health aids, medical examinations, coverage amounts, etc. Some plans may include an annual individual and/or family deductible that needs to be satisfied before benefit payments are made. Some health insurance plans may require an insurance institution to pay a percentage of insurance amount and the remainder amount needs to be… Show more

Generally, employers provide health insurance plans to their employees. Health insurance plans provided by employers may vary with regard to covered procedures, drugs, health aids, medical examinations, coverage amounts, etc. Some plans may include an annual individual and/or family deductible that needs to be satisfied before benefit payments are made. Some health insurance plans may require an insurance institution to pay a percentage of insurance amount and the remainder amount needs to be paid by the insured person. For example, a major diagnostic procedure may be paid 80% by insurance and 20% by the insured person, after the annual deductible for the insurance plan is satisfied.

“There is a need to reduce the cost of healthcare and insurance. For example, employers have indicated healthcare costs are harming their businesses and growth. They generally feel powerless about healthcare and insurance costs and have noticed the level of healthcare provided affects employee retention. Employees are distracted and often overwhelmed by costs and the complexity of their healthcare and employers realize that employees don’t focus on costs when the employer pays for the majority of these costs. This results in employees spending more on healthcare when the same medical services can be availed at a lower premium. In light of the above discussion, there is a need for an effective method to manage healthcare costs of employees that may mutually benefit both the employers and employees and thereby minimizing the overall expenses on healthcare. Show less

The present invention is directed to a reconfigurable data communications system. The system includes a removable optical backplane connector with a first end and a second end, a first data communications card, and a switch fabric card. The first data communications card includes an optical port configured to receive the first end of the removable optical backplane connector. The switch fabric card has a plurality of optical ports adapted to receive the second end of the removable optical… Show more

The present invention is directed to a reconfigurable data communications system. The system includes a removable optical backplane connector with a first end and a second end, a first data communications card, and a switch fabric card. The first data communications card includes an optical port configured to receive the first end of the removable optical backplane connector. The switch fabric card has a plurality of optical ports adapted to receive the second end of the removable optical backplane connector. Show less