Providing online non-downloadable software for use in assisting patients in obtaining reimbursements for healthcare claims, negotiating medical bills and reducing out-of-pocket expenses; Providing online non-downloadable software for the preparation and submission to health insurance companies of claims for reimbursement for payments made by insureds for health care fees; Providing online non-downloadable software for use in consumer healthcare claims and bill management and consumer to healthcare provider payments; Providing online non-downloadable software for managing health insurance claims and benefits and filing insurance claims; Providing online non-downloadable software for use in the verification of health insurance benefits, filing and tracking health insurance claims, resolving rejected health insurance claims and helping patients negotiate their medical bills with providers and payers to reduce their out-of-pocket expenses