Abstract: Systems and methods are described for providing consumers with access to the discounted rates for health care procedures provided by dentists, primary care physicians, specialist physicians and facilities. Fee information for contracted providers is stored in a database and is accessible to consumers via an online interface. Dentists or health care providers can receive payment from a customer's pre-funded account in exchange for health/dental services provided to a customer, through the use of a health/dental care 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 predetermined fee structure for covered services.