Medical cost containment services to insurers and their members to realize overall cost reduction of healthcare expenditure through negotiated agreements with healthcare providers, through the use of preferred provider organizations, and through the use of medical bill review audits; Assistance services to insurers whose members are travelling, namely, providing and medical and non-medical assistance in emergent and non-emergent situations; arranging air ambulance services; administration of insurance claims; insurance subrogation services; medical care coordination