Medlio is a secure, virtual health insurance card. The patient’s smartphone-based application is a provider directory that also offers real-time health benefits information as well as a centralized location for creating, storing, and sharing medical data. The application allows patients to check in directly from their smartphones displaying a real-time cost estimate for that visit. The provider’s web-based application is a channel that not only enables up-front price transparency for point-of-service collections, but also becomes a secure, technology-agnostic communications platform between patients, providers and payers. The core application and profile is free to all providers. Pricing for upgrade modules and transparency software tool are to be determined. The mobile app is free to patients.