Patent ID: 8219420

Claim:
A computerized method for coordinating payment for healthcare expenses comprising a general purpose computer specially programmed to perform the steps of: prioritizing, using the general purpose computer, a plurality of accounts held by a customer based on respective predeterminations provided by the customer; receiving, using the general purpose computer, information including a co-payment amount based on the customer's insurance coverage; determining, using the general purpose computer, availability of funds from the plurality of prioritized accounts; selecting, using the general purpose computer, from the plurality of prioritized accounts, based on the determination of availability of funds, a highest priority account or a highest combination of priority accounts having available at least a portion of the co-payment amount; and deducting, using the general purpose computer, the at least a portion of said co-payment from the selected highest priority account or highest combination of priority accounts having the at least a portion of the co-payment amount.