Abstract: An integrated payment system directed to the care of a subject and method of same is described herein. This system and method includes a care planner for accurately approximating the costs for the subject during the course of care, an insurance verifier and estimator that identifies the portion of the costs for the subject that is covered by the subjects insurance, wherein the approximated costs less the covered insurance leaves a subject payment, a discount planner that evaluates the application of at least one discount to the subject payment, and a payment planner that enables a payment arrangement for the subject for the subject payment less any applied discounts.