Abstract: Apparatus and associated methods relate to generating a purchase data record, selectively redeemable by a user to receive a pre-paid healthcare service, in response to receiving payment at a price based on the service location, and applying the pre-paid amount to the user's health insurance deductible. The payment may be a virtual funds or actual currency payment. The service may be specified based on physician, facility, location, and time, permitting price adjustment based on geographical cost variance. Some implementations may provide a marketplace system configured to permit creation, transfer, redemption, and exchange of virtual funds for pre-paid services and actual currency. The user may receive the prepaid service, based on redeeming the voucher. Various implementations may exchange healthcare bundles, including service and drugs, for a price discounted based on the bundle. A healthcare bundle may be presented in shopping cart format, permitting the user to pre-pay for a customized bundle.

Abstract: An apparatus for pricing offers of healthcare services includes an application server providing a pricing tool, and a service pricing information database and a cost adjustment information database that are accessible by the application server. The pricing tool is operable to receive an indication of a healthcare service set that is respectively associated with a service detail information record included in the service pricing information database, determine a base physician fee for a primary service of the indicated healthcare service set based on base pricing metrics for the primary service included in the service detail information record, receive an indication specifying a location for performing the primary service, calculate an adjusted physician fee for the primary service based on cost adjustment metrics for a geographic zone that corresponds to the specified location, and provide a recommended price for the indicated healthcare service set based on the calculated adjusted physician fee.

Abstract: Apparatus and associated methods relate to presenting for selection services comprising at least one bundled set of healthcare services to be performed separately by respective providers, determining a bundle price for the at least one bundled set of healthcare services, and in response to receiving payment in an amount of the bundle price, generating a puron chase data record selectively redeemable to receive each of the at least one bundled set of healthcare services, and transmitting a unique confirmation number generated for the purchase data record. One or more service of the bundled set may be a dental or veterinary service. The bundle price may be based on a location or time at which at least one service will be performed and may be determined using a user's remaining insurance deductible. Payment may be disbursed to multiple providers of the bundled set of healthcare services. A payment may be virtual funds.