Abstract: A system and method are described whereby a health care organization (HCO) cooperates with a financial organization by promoting enrollment and use of a financial product or service that includes terms having incentives related to health care expenditures. In one embodiment, the financial product or service is a credit card program including incentives related to health care expenses. The HCO identifies and selects a group of consumers suitable to receive promotional information related to the credit card program. Preferably, the credit card program is associated with the HCO via a co-branding arrangement. The HCO obtains revenue from the financial organization based on consumer's use of the credit card and, optionally, based on new enrollments. Although a consumer can use the credit card to pay for any product or service, the incentives are applied when the card is used in connection with products or services related to health care.

Abstract: A system and method are described whereby a health care organization (HCO) cooperates with a financial organization by promoting enrollment and use of a financial product or service that includes terms having incentives related to health care expenditures. In one embodiment, the financial product or service is a credit card program including incentives related to health care expenses. The HCO identifies and selects a group of consumers suitable to receive promotional information related to the credit card program. Preferably, the credit card program is associated with the HCO via a co-branding arrangement. The HCO obtains revenue from the financial organization based on consumer's use of the credit card and, optionally, based on new enrollments. Although a consumer can use the credit card to pay for any product or service, the incentives are applied when the card is used in connection with products or services related to health care.

Abstract: A system and method for determining an expected health care financial need for a period of time in the future, such as during retirement, is preferably an Internet-based system that collects certain data provided by an individual. The invention provides a customized result tailored to the collected data.

Abstract: Techniques are disclosed for allowing a heath care provider to receive payment from a customer's pre-funded account in exchange for health services provided to a customer, through the use of a healthcare card. The card is issued to the customer by a health plan organization and is linked to a pre-funded account for that customer. The health care provider is under contract with the organization to offer a pre-determined fee structure for covered services. Customers can obtain contracted rates for services via the card, regardless of any limitations that might apply under a health insurance policy or other program. Online, real-time methods are disclosed for the substantiation of payment claims to ensure they are within governmental guidelines for FSA/HRA/HSA coverage. Additional aspects are disclosed whereby health care providers can choose to be paid directly from a health plan organization via an electronic funds transfer into the provider's bank account.