Abstract: Systems and methods for identifying eligibility and contribution level for services and/or products across multiple insurance platforms for provisioning benefit (and non-benefit) services and products to a patient. Benefits plan details for a plurality of benefit plans, and from a plurality of insurers or benefits management entities can be acquired and mapped to an inventory of products and/or services by one or more service providers. Business logic derived from the benefits plan details and the business logic can be used to read a personal benefits plan of an individual and determine personalized pricing for one or more of the inventory products. The benefit plan details and provider inventory items are correlated for a particular patient to render in near real-time available benefits, corresponding services, and patient-borne costs based directly on the benefits plan under which the particular patient may be covered.