Integrated health care cost management service designed to assist providers in minimizing their risks relative to receivables due and owing from certain consumers; coordinating such obligations with benefit plans and payments owed by such plans to providers; organizing and administering a network of health care providers; providing insured and claim administration services to employers' benefit plans; organizing and administering prepaid health care plans; managed health care services; credit card services; debit card services; banking and credit line services; tax advantaged accounts, namely, health savings accounts, health reimbursement arrangements, and flexible spending accounts; all of the foregoing provided in an integrated process with respect to services provided to consumers by medical providers such as doctors, hospitals, and like facilities