Application service provider (ASP) featuring a software platform in the field of insurance for use by insurers and health care providers for submission of health insurance claims, advanced claim editing/ correcting, optimizing health plan payments and managing claim denials, verification of patient health plan enrollment and disenrollment status, verification of medical provider health plan participation status, verification of benefits, verification of patient eligibility and tracking patient utilization of benefits, request and verification of insurance authorization for treatment, request and verification of patient referrals to other health care providers, tracking the status of the submission and adjudication of insurance claims by medical providers, electronic processing of insurance claims and payment, transmission of electronic remittance advice between health plans and medical providers and for use in data analysis