Abstract: A method for administrating healthcare services allows providers to select cost-sharing levels for each service. Cost-share selections and other provider practice characteristics are stored in a dynamic, cost-sharing database. Individuals seeking a provider can access the database through a network and perform a provider search based on selected criteria. Individuals that receive services from a provider pay the appropriate cost-share at the time of service, and an administrator pays an additional amount based on a fee schedule specifying the amount the administrator will pay for the specified service.

Abstract: A defined contribution benefits tool having various embodiments interfaces employers, employees, brokers and benefits suppliers. Suppliers provide product information. An employer creates an employer profile indicating the categories of benefits to offer, which categories are required, which categories the employer will contribute to, and the contribution range for the categories. Based on the profile (and from other available products), a portfolio recommendation that essentially meets the requirements is generated. Based on the portfolio recommendation, the employer chooses a set of products as its benefits portfolio. Employees create an employee profile allocating the total employer contribution among a set of benefit categories. A package recommendation that essentially meets the requirements set forth in the employee's profile is generated. From this recommendation (and from other available products), the employee chooses his or her benefits package.

Abstract: A defined contribution benefits tool having various embodiments interfaces employers, employees, brokers and benefits suppliers. Suppliers provide product information. An employer creates an employer profile indicating the categories of benefits to offer, which categories are required, which categories the employer will contribute to, and the contribution range for the categories. Based on the profile (and from other available products), a portfolio recommendation that essentially meets the requirements is generated. Based on the portfolio recommendation, the employer chooses a set of products as its benefits portfolio. Employees create an employee profile allocating the total employer contribution among a set of benefit categories. A package recommendation that essentially meets the requirements set forth in the employee's profile is generated. From this recommendation (and from other available products), the employee chooses his or her benefits package.

Abstract: A method for administrating healthcare services allows providers to select cost-sharing levels for each service. Cost-share selections and other provider practice characteristics are stored in a dynamic, cost-sharing database. Individuals seeking a provider can access the database through a network and perform a provider search based on selected criteria. Individuals that receive services from a provider pay the appropriate cost-share at the time of service, and an administrator pays an additional amount based on a fee schedule specifying the amount the administrator will pay for the specified service.