Healthcare management services, namely, medical cost management, medical case management, medical provider reimbursement review services, medical referrals, health care utilization and review, managing a network of healthcare service providers including prescriptions, durable medical equipment and ancillary services, providing discounts for medical products and services, namely, promoting the goods and services of others by providing on-line access to a network of pharmacies offering discounted prescriptions and on-line ordering and management of medical equipment and supplies for disability management and rehabilitation; employment counseling; providing healthcare cost containment service quality information; providing computer assisted medical bill audit service which compares provider charges to established medical fee schedules and utilization standards; and patient care management services designed to coordinate and provide short and long term disability, group health, auto liability and workers' compensation managed care requirements