medical and health-care cost review and management, cost/price analysis, account auditing, negotiation of medical bills and insurance claims, providing consumer-oriented medical bill review and other health-related consumer services, medical referrals and attorney referrals, via a global communications network

payment disbursement to third parties; electronic transmission of billing transaction data; insurance claims processing; insurance consultation and electronic processing of medical and insurance claims and payment data via a global communications network; claims adjustment in the health and medical insurance field; and reviewing health and medical records for consumers for purposes of bill consolidation and payment reduction

providing medical information and health-related consumer information via a global communications network, maintaining files and records containing the medical condition of individuals

Bill payment services; Payment processing services, namely, credit card and debit card transaction processing services