Cloud computing featuring software for automated review and cost containment services for bills and claims from health care providers, hospitals, ambulatory surgery centers and medical professionals, and audit services that validate correct billing, disallow inappropriate billing, and compare providers' charges to reasonable and customary rates at both itemization line by line item and total charge levels through a proprietary database and expert review by registered nurses; cloud computing featuring software for prospective and retrospective hospital bill auditing; cloud computing featuring software for computerized medical record review, namely, identifying medical claims needing medical cost management or review for possible overbilling, overutilization, overcoding of medical services, and case by case fee negotiation services