A web-based system of the present invention includes databases, processors and computer-readable memory media storing a computer program product is executable by the processor to perform functions of the invention. A claim is obtained regarding medical care services associated with a user and healthcare service data associated with the services. The healthcare service data for the obtained claim is compared to data for comparable claims in the system. Healthcare service options for the user are identified based on the compared data. A notification or alert regarding identified options is delivered to the user, and a second message upon request by the user provides details for obtaining or implementing the healthcare service options. A financial return report is subsequently generated based on input from the user corresponding to an actual difference in price between the services received and/or from comparison of subsequent claims.