Rete+Pay helps payers and patients pay their medical claims electronically, while facilitating quicker provider payments for medical services. Rete+Pay is an outgrowth of Rete+Pay founders' extensive experience in the use of highly cost effective and automated electronic remittance advice and electronic payment processing and their fifty (50) plus years' experience developing and delivering patient and payer savings programs, payer loss control programs, PPO network development and management, fraud, waste and abuse and other payment integrity services to consumers, healthcare payers, medical providers and regional and national PPO networks.