Offering of physician and health care provider information and referral services namely, providing credentialing services in the nature of verifying and monitoring professional credentials of physicians and healthcare providers; providing medical management and patient management information via an online secure network relating to hospital management, physicians management, ambulatory facility management, free standing clinic management, laboratory management, pharmaceutical management, ancillary services management, and cost management issues, namely, information concerning medical costs, quality of patient outcomes, prescribing patterns and preventive actions; providing medical cost management services; providing database management services; requesting health care provider privileges from health care institutions on behalf of physicians and health care providers; providing business information to health care institutions on behalf of physicians and health care providers