Abstract: The invention is directed to systems and methods for managing insurance claim data among an insured party, a primary insurer, and a plurality of secondary insurers. Exemplary methods include providing a claim processing module. The claim processing module receives a claim for benefits for the insured party and parses the received claim for services performed and a total obligation. The claim processing module retrieves primary insurance coverage rules, first secondary insurance coverage rules, and second secondary insurance coverage rules. The claim processing module applies the retrieved insurance coverage rules to the services performed and determines various combinations of coverage. The claim processing module determines an optimum net balance to the insured party by comparison of the total obligation minus the primary insurer obligation minus the first secondary insurer obligation with the total obligation minus the primary insurer obligation minus the second secondary insurer obligation.