42 Platform as a service (PAAS) featuring computer software platforms for in use exchanging health, insurance, payment, and billing information among providers, payers, and patients; Platform as a service (PAAS) featuring computer software platforms for use in revenue cycle management, namely, processing insurance claims and billing in the field of healthcare, and analyzing insurance claims, payments and denials; Software as a service (SAAS) services featuring software for use in exchanging health, insurance, payment, and billing information among providers, payers, and patients; Software as a service (SAAS) services featuring software for use in verifying patient eligibility, payment processing, and estimating patient payment responsibility; Software as a service (SAAS) services featuring software for in revenue cycle management, namely, processing insurance claims and billing in the field of healthcare, and analyzing insurance claims, payments and denials; Providing temporary use of on-line non-downloadable software for submitting insurance claims and other transactions to insurance companies electronically and for electronically retrieving data related to the status of those claims and related transactions; Providing on-line non-downloadable software for use in revenue cycle management, namely, processing insurance claims and billing in the field of healthcare, and analyzing insurance claims, payments and denials; Providing temporary use of on-line non-downloadable software for providing real-time access to patient and insurance information; Providing temporary use of on-line non-downloadable software for providing insurance coverage dates, benefit ceilings, and co-pays; Providing temporary use of on-line non-downloadable software for insurance claims management; Providing temporary use of on-line non-downloadable software for analyzing and correcting insurance claim rejections; Providing temporary use of on-line non-downloadable software for remittance management of insurance claims; Providing temporary use of on-line non-downloadable software for management of insurance claims denials and appeals; Providing temporary use of on-line non-downloadable software for management of insurance claims denials and appeals, namely, providing pre-populated letters and payer forms; Providing temporary use of on-line non-downloadable software for estimating patient financial responsibility; Providing temporary use of on-line non-downloadable software for collecting and processing patient payments for healthcare services; Providing temporary use of on-line non-downloadable software for healthcare statement processing