INTEGRATED CONSUMER FIRST

Computer software, namely, software for capturing insurance information, processing insurance claims, administering insurance claims, managing productivity, recording and reporting employee absences, tracking and administering federal, state and employer authorized leave, administering attendance policies and vacation policies, interacting with workers' compensation administrators, and providing assistance with disability accommodation processes for disabled employees

Insurance claims auditing services; Business risk management; Business risk management consultation; Business consulting services, namely, consulting in the fields of employee absence management and regulatory compliance; Business management services, namely, administration and management of employer requirements for compliance with federal and state legal requirements for employee leave; Tracking and reporting of employee attendance for purposes of compliance with federal and state legal requirements; Health care utilization and review services; Health care cost review; Health care cost containment; Consulting services, namely, to employers, community organizations, brokers and beneficiaries, related to consumer information regarding health care plan options, products and programs in the field of managed care and state and federal medical care programs; Managed care services, namely, electronic processing of health care information; Managed care services, namely, utilization review and pre-certification services; Pharmaceutical cost management services and drug utilization review services; Providing performance benchmarking information concerning healthcare providers and other market intelligence to consumers of healthcare; Consulting services in the field of state and federal regulatory compliance requirements for healthcare reimbursement programs; Business consulting and management services, namely, creating and administering customer care programs

Insurance claims processing; Insurance claims administration; Insurance brokerage, Insurance consultation; Structuring financial settlements for lawsuits and annuities; Extended warranty services, namely, service contracts; Medical insurance case and utilization review and insurance claims adjustment services for healthcare purchasers and payors and providers and Medicare beneficiaries; Assessing insurance claims

Providing temporary use of online, non-downloadable computer software platform for use in capturing insurance information, processing insurance claims, administering insurance claims, managing productivity, recording and reporting employee absences, tracking and administering federal, state and employer authorized leave, administering attendance policies and vacation policies, interacting with workers' compensation administrators, and providing assistance with disability accommodation processes for disabled employees

Health care services, namely, clinical medical practice consultations for injured workers, medical counselling services, and nursing services; Medical investigation, analysis and advisory services relating to health care, lifestyle and medical matters; Lifestyle health assessment, occupational health assessment, personnel medical screening, psychiatric services for alcohol and drug related problems and psychiatric problems and stress, all relating to health risk factors in the working environment, working patterns, management structures and systems and lifestyle; Providing health information; Managed health care services; Behavioral health services; Rehabilitation patient care services; Health care services offered through a network of health care providers on a contract basis

Private investigation and photographic surveillance; Providing a secured access database via the Internet for managing private investigations and surveillance services; Case management services, namely, the coordination of necessary medical services, vocational issues and educational services for persons injured at work; Consulting services in the field of state and federal regulatory compliance requirements for workplace safety; Accident investigations; Investigation services related to insurance claims; Health and safety services, namely, analysis, consultation and advisory services in the field of development and implementation of patient safety programs of third parties