MEDICAL AND HEALTH-CARE COST REVIEW AND MANAGEMENT; MEDICAL AND HEALTH-CARE COST/PRICE ANALYSIS AND ACCOUNT AUDITING' NEGOTIATION OF MEDICAL BILLS AND INSURANCE CLAIMS; REVIEWING AND EVALUATING HEALTH AND MEDICAL RECORDS FOR CONSUMERS FOR PURPOSES OF ACCURACY AND COST MANAGEMENT; AND PROVIDING MEDICAL REFERRALS, ATTORNEY REFERRALS AND REFERRALS IN THE FIELD OF FINANCIAL INSTITUTIONS 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