Abstract: A method and system for providing initiation of payment of a member's cost portion of insurance claims to a provider includes an insurance company adjudicating claims received from a provider, and directing a financial institution having an association with the member to pay for the member's cost portion of the insurance claims on the member's behalf. The system for initiating payment of member's cost portion of claims to providers includes a processor communicatively coupled to a database and an optional financial institution database and processing component communicatively coupled to the processor.