1. A computer system comprising: a processor that executes instructions; and 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 comprising receiving notification of a plurality of claims for a plurality of health care services provided to a patient by a plurality of health care service providers, at least a portion of the claims being payable by a participant in a benefits plan and at least a portion of the claims being payable by a third party payor; remitting, by a payment services system logic implemented by the instructions stored in the machine-readable storage media, for each claim in the plurality of claims, payment of the entire claim within a predetermined time period of receiving the notification of the claim, including (i) remitting payment of the portion of the claim payable by the third party payor, and (ii) remitting payment of the portion of the claim payable by the participant; combining, by the payment services system logic, claim information from the plurality of health care service providers into a master bill, the master bill containing claim information for the plurality of health care service providers; itemizing, by the payment services system logic, claim information for each of the health care services provided to the patient by the plurality of health care service providers, and wherein the patient did not directly interact with at least some of the health care service providers; sending the participant the master bill, including the claim information for the plurality of health care service providers; and tracking, by the payment services system logic, payment of the master bill by the participant.