providing customer service via telephone communication to address insurance subscriber and member issues and to provide subscribers and members with information about health insurance billing, enrollment, status of claims, and amount of healthcare usage; providing customer service via written communication to address insurance subscriber and member issues and to provide subscribers and members with information about health insurance billing, enrollment, status of claims, and amount of healthcare usage; providing automated, telephone, written and email customer service for others in the field of health insurance billing, enrollment, claims, and healthcare usage; providing research support to resolve customer service issues rapidly and effectively; providing incentive award programs for customers and employees through the distribution of prepaid stored value cards for the purpose of promoting and rewarding loyalty, offered to customers and employees in the fields of healthcare insurance and benefit solutions