42 Software as a service (SaaS) services featuring software for medical utilization review, reporting and verification; software as a service (SaaS) services featuring software for optimizing healthcare utilization and financial risk for healthcare payers, assisting physicians in making clinical decisions, and analyzing data to help health care providers track clinical decisions and develop best practices; providing online non-downloadable software for use in managing the quality and cost of healthcare; providing online non-downloadable software for use in obtaining prior authorizations; software as a service (SaaS) services featuring software for the use with managing medical and pharmacy benefits; providing online, non-downloadable, software application for medical billing for physicians and health care institutions; providing online, nondownloadable data analytics software for use in the data analytics field; providing, hosting, managing, developing, researching, analyzing, reporting and maintaining applications, software and web sites for use by others in the fields of healthcare benefits programs, employee productivity and risk management; online, nondownloadable computer software used for accessing, collecting, managing, tracking, analyzing, and reporting data in the pharmaceutical, medical, healthcare, and life sciences fields and in the field of insurance and benefits; providing temporary use of online, nondownloadable software for collection and management of healthcare and life sciences data; providing temporary use of online, nondownloadable computer software for collecting, managing, and analyzing clinical trial data; providing temporary use of online nondownloadable software for health risk assessment and profiling for use in the field of preventative health; health data warehousing and data warehousing consulting services; data mining and data mining consulting services; providing temporary use of nondownloadable computer software for the collection, editing, organizing, modifying, book marking, transmission, storage and sharing of data and information in the field of healthcare