1. A system of health care management of medical testing administration between an insurer, a medical laboratory and at least one health care participant, the system comprising: a participant computer at which a medical test request is made pursuant to a first predefined format; a processing system in communication with the participant's computer, and through which the medical request is transferred; a rules engine that is part of the processing system configured to approve the medical test request according to predetermined criteria; and a laboratory computer operatively in communication with the processing system to receive the medical test request if approved; wherein results of a medical test are transmitted from the laboratory computer to the processing system where the results are transmitted to an insurer computer and to the participant's computer.