The health care payment techniques include a system, and/or a machine-readable storage media. In some embodiments of these techniques, the system includes a processor that executes instructions. The system further includes machine-readable storage media having the instructions stored therein, the instructions when executed by the computer system causing the computer system to implement a health care claim payment method. The method includes receiving a plurality of claims for a plurality of health care services provided by a plurality of health care service providers to a patient. The method further includes remitting payment for each claim in the plurality of claims in a single payment. The remitting step is performed before the participant has acknowledged the participant's obligation to pay for the health care service. The method further includes combining the claim from the health care provider and a plurality of additional health care providers into a master bill. The method further includes sending the master bill to the participant. This Abstract is provided for the sole purpose of complying with the Abstract requirement rules. This Abstract is submitted with the explicit understanding that it will not be used to interpret or to limit the scope or the meaning of the claims.