Providing non-downloadable software allowing users to research, identify, compare, and calculate the clinical quality and costs of hospitals and physicians to plan healthcare services and manage healthcare spending; application service provider featuring application programming interface (API) software for researching, identifying, comparing, and calculating the clinical quality and costs of hospitals and physicians to plan healthcare services and manage healthcare spending, and to schedule appointments for healthcare services; providing non-downloadable software allowing users to schedule appointments for healthcare services; providing non-downloadable software allowing employers to administer and manage an employee incentive program to manage healthcare spending; application service provider featuring application programming interface (API) software for employers to administer and manage an employee incentive program to manage healthcare spending