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Application service provider (ASP) featuring a software platform in the field of insurance for use by insurers, insureds and medical providers for submission of health insurance claims, 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, verification of insurance pre-authorization for treatment, tracking the status of the submission and adjudication of insurance claims by medical providers and insureds, electronic processing of insurance claims and payment