Abstract: A payer may save on healthcare costs and a service provider may receive information about payment according to the inventions. Data about service providers eligible to provide services to patients at in-network rates may be made available. A user seeking a service may select a service provider from the data made available. From the network(s) in which the selected service provider participates, a matching network may be chosen. If the selected service provider participates in more than one network, access and/or savings data for each network may be used to determine the match. Other factors may determine the match. Information relating to the user and matched network is provided to the selected service provider, who or which charges in-network rates for service to the user. The payer may be charged a portion of its savings for their accomplishment.