Abstract: A business method that provides for payment of medical expenses for members of an association, comprising, establishing contractual agreements between the association and a multiplicity of medical service providers that are obligated to provide medical services to members of the association at rates that are pre-negotiated or otherwise agreed to with the association; extending to members of the association a line of credit to be used to pay for medical services received from any of said medical service providers; paying said medical service providers for services rendered to said member according to the prenegotiated or otherwise agreed to rate schedule; charging the member's account for payments made to a medical service provider for services received by the member; and receiving reimbursement from the member for amounts so charged to the member's account.