Abstract: A method and system for settling a patient medical claim from a healthcare provider. Medical claim information is received from the healthcare provider by an administrator on behalf of the patient's insurance company. A first monetary amount owed to the healthcare provider and a second monetary amount owed to the patient from the insurance company are determined. Using conventional bank card transaction settlement systems, the first monetary amount owed to the healthcare provider is debited from a credit line of the patient and deposited in a financial account of the healthcare provider to settle the patient medical claim. The second monetary amount is credited to the credit line of the patient by the insurance company.