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Providing temporary use of non-downloadable computer software for the purpose of real-time and batch, touchless verification of health insurance eligibility and benefit data which a healthcare provider has on file, verifying patient coverage, ensuring health insurance claim processing accuracy, reducing eligibility based denials, improving staff efficiency and lowering billing and collection costs; Providing temporary use of non-downloadable computer software for the collection, curation and normalization of patient coverage data for the verification of insurance eligibility and coverage; Providing temporary use of non-downloadable computer software for real-time and batch, touchless detection and discovery of health insurance eligibility and benefit data to replace manual processing and maximize health insurance claim processing accuracy, resolve open accounts receivables, improve staff efficiency and lower billing and collection costs when no insurance or invalid insurance is on file with a healthcare provider or billing entity; Providing temporary use of non-downloadable computer software for the purposes of helping healthcare providers determine in an integrated, real time, consistent and non-discriminatory manner, a patient's propensity-to-pay, need for a payment plan based on discretionary spend, and qualification for subsidy programs such as charity and financial assistance without using FCRA (Fair Credit Reporting Act) regulated data sources, thus not requiring a credit inquiry to determine household size and income to determine federal poverty level guidelines; Data-as-a-Service (DaaS) services featuring software for the collection, curation and normalization of patient coverage data for the verification of insurance eligibility and coverage; Data-as-a-Service (DaaS) services featuring software for the collection of outdated CMS (Centers for Medicare and Medicaid Services) HICN (Health Insurance Claim Number) identifiers or SSNs (Social Security Numbers) converted automatically, in real-time or batch, to current Medicare Beneficiary Identifiers