Systems and methods for processing the redemption of health care credits

A system for managing health insurance, comprising:

• a computer readable storage medium containing instructions;
• and
• a processor, operably connected to the computer readable storage medium, that executes the instructions to perform operations comprising:
• receiving, by an insurance provider, a bill for a health service received by a subscriber of an insurance plan;
• examining the bill to determine an amount of health care credits to charge the subscriber;
• providing, to the subscriber, an indication of the amount of health care credits;
• and
• receiving an indication that the amount of health care credits has been deducted from an account of the subscriber.

A method of managing health insurance, comprising:

• receiving an indication of an amount of health care credits to charge to a subscriber of an insurance plan for a health service received by the subscriber;
• providing, to the subscriber using a computing system, the indication of the amount of health care credits;
• receiving, from the subscriber, an authorization to charge a specified amount of health care credits;
• and
• deducting the specified amount of health care credits from an account of the subscriber in response to receiving the authorization.