Hybrid Healthcare Identification Platform

A system adapted to manage healthcare identification data, comprising:

• a data store comprising real-time aggregated data representative of contractual obligations between cooperating parties of a healthcare system;
• at least one processor;
• memory communicatively coupled with said at least one processor, the memory having stored therein instructions executable on said at least one processor, the instructions for performing the following:
• receiving a request for a healthcare benefit;
• in response to the received request, querying at least one data store to determine whether a health care benefit can be provided, the data store comprising real-time aggregated data representative of contractual obligations between cooperating parties of the requested health care benefit;
• and
• if the benefit can be provided:
• determining, using a first set of selected criteria, whether a physical healthcare identification card can be used to receive the requested healthcare benefit;
• and
• optionally determining, using a second set of selected criteria, whether an electronic healthcare identification modality can be used to receive the requested healthcare benefit.

A healthcare transaction method comprising:

• receiving healthcare identification information provided by a hybrid healthcare identification modality;
• correlating the received data against one or more of healthcare provider data, healthcare network data, benefit plan data and insurance carrier/payor data to produce verified healthcare information for a participating user;
• and
• generating an electronic healthcare card/document having verified healthcare information representative of one or more items comprising participating user data comprising benefit plan data, participating user identification data, healthcare spending account data, government healthcare benefit plan data, healthcare related data and current relationships between cooperating parties comprising any of healthcare providers, benefit plan administrators, healthcare networks, insurance carriers/payors, and participating users.