1. A computerized method for processing a health insurance claim comprising: (a) storing in a first database covered expense data comprising: (1) an identifier for a good or service covered under an insurance policy; and (2) an allowed amount for said good or service equal to a maximum amount to be paid under said insurance policy for said good or service; (b) storing in a second database personal care account data comprising for each subscriber of said insurance policy: (1) a subscriber identifier; and (2) a personal care account associated with said subscriber identifier; (c) receiving at a server claim data for a covered expense for a subscriber of said insurance policy, said claim data comprising: (1) a subscriber identifier; (2) an identifier for a good or service; and (3) an actual cost for said covered expense; (d) retrieving at said server from said first database an allowed amount for said covered expense; (e) calculating at said server a monetary credit for said covered expense equal to the difference between said allowed amount and said actual cost; (f) if said monetary credit is positive, adding said monetary credit to a balance of a personal care account associated with said subscriber identifier at said second database.