Abstract: The invention is directed to systems and methods for monitoring, retrieving, and/or reporting a personal medical account balance such as an individual flexible spending account (FSA) balance. In an example of an embodiment of the invention the monitoring, retrieval, and/or display of the personal medical account balance may accompany the processing of a claim submitted by a healthcare provider (e.g., hospital, doctor's office, pharmacy, etc.) or vendor (e.g., retail store, drug store, etc.) to an insurance provider. In such embodiments, the monitoring, retrieval, and/or display of personal medical account balance may occur in real-time (or near real-time) with the submission of the claim.

Abstract: Systems and methods for auditing claim reimbursement transactions to ensure that pharmacy benefit management services (PBMs) are properly calculating the appropriate spread values and honoring existing contractual obligations with health plans and/or employer groups. When a discrepancy has been detected and is larger than preset tolerance parameters allow, the adjudicated claim will be sent to the corresponding PBM for explanation of the discrepancy and/or corrective action. Example embodiments of the auditing process may analyze transaction data in batch form, or in alternative embodiments of the invention, the adjudicated reimbursement claim transactions may be audited in real-time or near real-time.