Providing services to insurance claims payors, insurance claims handlers, insurance claims processors, governmental bodies, self insurers except health care providers, and risk management departments of health care providers, namely, medical bill review services; and health care utilization review services consisting principally of creating panels of medical case manager practitioners and/or rehabilitation services practitioners, obtaining medical records and providing the obtained medical records to practitioners selected from panels of such practitioners, transcribing and reviewing the reports of such panels, and scheduling and, if necessary, rescheduling medical case management and rehabilitation services appointments with practitioners selected from the above panels, monitoring claimant attendance, providing reports of medical case management and rehabilitation services appointments to insurance claims payors, insurance claims handlers, insurance claims processors, governmental bodies, self insurers except health care providers, and risk management departments of health care providers; all of the above with respect to workers compensation, personal injury or tort claims or any other claims for coverage under any insurance policy or any self-insured risk management program