of the invention; [0018]FIGS. 9 and 10 are sample client displays illustrating selection of health procedures and comparative out-of-pocket expense processing in accordance with the embodiment shown in FIGS. 8A and 8B; [0019]FIG. 11 is a flow chart depicting alternative procedure processing according to a sixth embodiment of the invention; [0020]FIG. 12 is a sample client display indicating altern