providing consumers and health care professionals cost management services for health benefit plans; providing health care cost containment services; providing health care utilization cost review services; administering pre-paid health care plans; administration of health savings accounts; providing educational services related to medicine and health care; providing physician information and referral services; providing health care advertising services; providing a portal for online patient communication with healthcare providers; providing online access and administration of health savings accounts; providing online heath care directory of health professionals; providing an online method for immediate bill generation for medical services; providing an online method for immediate deduction from prepaid medical accounts; providing an online method for immediate patient payment via a combination of cash, credit, debit or combination payment in exchange for reduced health care costs