Exhibit 99.1


             CLAIMSNET.COM INC. ANALYST AND INVESTOR CONFERENCE CALL
                                 March 20, 2001


[BO] Good morning and thank you for joining us for our year 2000 conference
call. This morning we will be reviewing our year 2000 financial results, and
discussing certain key events since our last conference call. In addition, we
will be giving you a detailed progress report on our core partnerships and
providing you with some guidance for 2001.

         I am pleased to have Paul Miller, our chief operating and financial
officer, join me for this conference call this morning. In as much as we will be
making forward looking statements in the course of this call, we have been
advised to make the following Safe Harbor Statement. Paul...

[PAUL]  Thank you Bo.

Since we will be making forward-looking statements in the course of this
conference call, we need to make the following Safe Harbor Statement Under the
Private Securities Litigation Act 1995 - With the exception of historical
information, the matters discussed in this conference call are forward looking
statements that involve a number of risks and uncertainties. The actual future
results of the Company could differ significantly from those statements. Factors
that could cause or contribute to such differences include, but are not limited
to future economic, political, competitive, and market conditions, and future
business decisions, all of which are difficult to predict accurately and many of
which are beyond our control. Further information on the Company's risk factors
is contained in the Company's quarterly, annual, and other periodic reports as
filed with the Securities and Exchange Commission. And finally, we remind you
that we are subject to Regulation FD and, accordingly, are limited in our
ability to disclose material non-public information.

[BO]  Thanks Paul.  Please continue with an overview of the year 2000 results.



[PAUL] Good morning to everyone and thank you for joining our call today. We are
pleased to report that our revenues nearly tripled in fiscal 2000 to 1.6 million
dollars. This large improvement was driven by four dynamics, which had a
multiplicative and compounding effect on our results. These dynamics were:

o    A 9% net increase in number of accounts -- I will explain the "net"
     increase in a moment

o    Plus a 13% increase in average number of physicians per account

o    Plus a 53% increase in average number of transactions per end of year
     physician count

o    Plus an 81% increase in average service-based revenue per transaction, from
     $0.11 to $0.20.

In summary, we serviced more, larger, and busier practices, and,
by virtue of the increased transaction volumes and a broader mix of
transactions, were able to generate a substantial increase in our average
pricing.

We were also pleased to report an 88% increase in the number of Internet-based
transactions processed, as we crossed the 5 million- transaction mark for the
year.

I mentioned earlier that we had a modest 9.3% net increase in accounts. This
represented the effect of a new marketing strategy that specifically targeted
larger, more profitable accounts. We had found that smaller accounts in general
require as much, if not more, support services, which frequently rendered the
account unprofitable. Our more focussed marketing strategy is working, as we
realized a 72% increase in average number of transactions per account at the end
of the year, from 7,700 in 1999 to almost 13,750 in 2000. In keeping with this
marketing strategy, we eliminated many of our smaller accounts, which naturally
effected the net increase in accounts for the entire year.

I want to underscore the importance of the 53% increase in average number of
transactions per provider, as it represents both larger accounts and the
increasing traction among the first generation physician users of our
Internet-based transaction processing services.



From a financial perspective, this increase in transactions processed on both a
per physician and per account basis, allows us to capture certain operating
efficiencies and pricing premiums. Specifically, we had a 10.3% improvement in
gross profit, or, stated another way, a 10.3% reduction in our gross loss. This
also helps to explain how we managed a 287% increase in revenues on only a 4.1%
increase in sales, general, and administrative expenses. This operating leverage
was also apparent in our having produced increasing revenues on a sequential
quarter basis, from $280,000 in Q1 to $509,000 in Q4, while at the same time
effecting a 29% reduction in employees over the year.

In fiscal 2000, Claimsnet purchased certain assets of HealthExchange.com, which
ultimately involved an $8.4 million write-off of in-process research and
development and other intangibles in the year. Without giving effect to these
nonrecurring expenses, we had a net loss of $9.3 million, or $1.13 per share, as
compared with a net loss of $8.9 million, or $1.52 per share in 1999.

All in all, we made significant progress in our business expansion in 2000,
showing increasing revenues each quarter from the beginning to the end of the
year. Also, our expenses were pared down over the year, in particular in the
fourth quarter 2000 and the beginning of the current quarter. This is expected
to contribute significantly to our cash containment program in the current year,
which should be most notable in our Q2 results and beyond. The trimming that was
done in late 2000 and early 2001 is related to the implementation of a more
focussed strategy that requires fewer resources to produce the highest prospects
for ample returns. The resource reduction was estimated to significantly extend
the life of our capital resources, and has accomplished just that.

The other side of the cash management equation is the raising of new capital.
Despite a very tight market for small companies and dot-com companies over the
past year, Bo was able to bring in approximately $4.2 million at near market
prices in 2000. Three million of this came from a fund managed by Hoffman
LaRoche, and was priced at market, which was approximately $3.00 per share at
that time. Bo is now in the middle of another private capital raise for 2001,
with the assistance of European bankers and investors. Despite the difficult
financial climate, we are



pleased to announce this morning that within the last week we have secured yet
another $700,000 of funding with the sale of 400,000 shares of common stock,
about 25% of what we expect to raise. Not only have we secured this additional
funding, but this time at a slight premium to market, $1.75 per share, and
without warrant coverage.

In closing, we believe that, given increasing performance from our partnerships,
continued cost containment, and access to relatively modest amounts of capital,
we are positioned to maintain our leadership position in Internet-based
transaction processing.

With that, I will turn the call back over to you, Bo.

     [BO] Thank you very much Paul. As we look back at 2000, I must say that it
was an extraordinary year filled with progress, promise and challenge. The
numbers that we released this morning bespeak our progress, which has been
considerable. That being said, we are somewhat disappointed with the rate of
transition from traditional to Internet-based transaction processing by our
country's physicians, managed care organizations and more traditional payers. We
firmly believe that the market is emerging, although slowly, and that we are
well positioned with our technology and partnerships to capture compelling
market share. Over the past year we have refined our strategy twice in an
ongoing effort to maximize our position in this emerging market and to conserve
cash, which has become highly precious in this jittery market.

     We have begun to see tangible progress in each of our core relationships,
which is heartening from the perspective of an emerging market and our role in
it. Let me review each one briefly:

     1. The rollout of McKesson HBOC has been relatively conservative, which is
not surprising given the size and complexity of our partner. In the last call we
did report that we had completed a beta test of our integrated technology, and
based on the results of the test, that particular McKesson HBOC client has
adopted our service. Earlier this quarter, McKessonHBOC's iMcKesson division
initiated a targeted marketing effort, which is expected



to produce approximately six new accounts over the next few weeks. Most of these
accounts are multi-physician practices.

     Some of you may have read that McKesson recently announced that they are
going to be restructuring their operations and integrating the iMcKesson
services into the broader organization. We are in active and productive
discussions with McKesson to make sure that our interests remain aligned. Both
parties are committed to a continued win-win relationship within their new
structure.

     2. Our partnership with Passport Health Communications has also begun to
produce both revenues and potential large pieces of new business. Passport, as
many of you know, provides a variety of Internet-based services to healthcare
providers through its OneSource online service. Under the agreement with
Passport, Claimsnet provides the claims processing engine for Passport's
OneSource. Earlier this quarter, we began delivering our co-branded product to
the large physician network of Blue Cross of Tennessee, a Passport client. Blue
Cross currently receives about 40% of its claims electronically and is
implementing a joint initiative with Passport and Claimsnet to achieve their
goal of 70% electronic claims by the end of this year. More recently, we entered
into discussions with a national managed care corporation, which, if successful,
could expand our joint opportunity tremendously. Let me remind you that over
10,000 physicians use OneSource. On average, this population represents an
estimated 36 million claims per year. While we certainly do not expect to
capture this entire population, we think that this relationship can be highly
contributory to our expansion.

     3. Our relationship with ProxyMed has also begun to show traction. Having
introduced our joint service just this quarter, we have already registered five
accounts. Our co-branded Internet claims submission solution is linked directly
to ProxyMed's member portal web site, www.proxyMed.com. The
Claimsnet.com/ProxyMed partnership also allows Claimsnet.com to use ProxyMed's
extensive payer distribution channel, which currently includes direct
connections to over 120 leading US health plans, health insurance payers, and
TPAs, to process selected commercial claims. By using this direct connection
network, Claimsnet.com anticipates capturing more revenue per claim, net of
transaction fees to ProxyMed.





     4. At about the same time that we announced the ProxyMed partnership, we
entered into our fourth core partnership with Synertech(R), another application
service provider and administrative outsourcer for the health care industry.
Synertech offers a broad range of application hosting services to an expanding
network of payers with a multi-million person membership base.

     In this partnership, Claimsnet creates co-branded claims processing
websites for Synertech's customer base, which includes an expanding number of
regional and mid-sized payers. These web sites allow the payers to register
their providers for Claimsnet's claims processing services and to process claims
directly from the provider's practice management software. Synertech is in
discussion with four payers who are interested in implementing our co-branded
solution, at least one of which is also interested in implementing an end-to-end
real time adjudication solution for its providers.

     In that regard, our opportunity with Synertech expanded quite substantially
with our very recent announcement of a partnership with QCSI, Quality Care
Solutions Inc., a leading provider of enterprise-wide solutions for healthcare
payer organizations. Synertech is one of QCSI's clients. The immediate plan is
for QCSI and Claimsnet to offer an integrated ASP component for real-time claim
submission which will benefit QCSI's clients. QCSI serves more than 40 other
payer clients besides Synertech, four of which have expressed an interest in
offering the Claimsnet/QCSI solution to their providers.

     Looking beyond the immediate opportunity to provide real-time claim editing
and claim submission for providers, the relationship with QCSI also opens up a
whole new opportunity that really begins to utilize the true potential of our
online capabilities. QCSI solutions provide for automated claim adjudication,
which allows their system to determine immediately upon claims submission, what
and when the doctor is going to get paid. This functionality, coupled with
Claimsnet's reach to the physician's office and real time claims submission and
response capability will enable an end-to-end solution that can provide the
physician user with real accounts receivable relief. At the same time, this
combination promises substantial savings for the payers. Today, most payers
conduct claims adjudication through remote service centers in which personnel
examine claims in a batch process and ultimately provide the submitting
physician with a statement regarding what he or she will be receiving from the
payer. These




service centers are very expensive to run, with estimates of approximately
$14.00 per claim. Clearly, real-time adjudication holds enormous economic
benefit for the payers as well as an opportunity for the payers to provide this
valuable information to their physician panels much more quickly. Many payers
today are finding that they are loosing physicians from their networks, due to
the cumbersome and frustrating nature of claims-related transactions. This real
time claims adjudication process can significantly improve provider/payer
relations and appears to have a ready market among payers. The reciprocal
relationships among Claimsnet, Synertech, and QCSI set the stage for a joint
effort to develop these capabilities.

     I want to highlight a couple of important points. First, two of our four
core partnerships provide us with distribution through payer organizations. We
believe that this is a very powerful distribution channel to the end user--the
physician--and one that is more likely to produce results than a direct sale to
physicians. Second, with three of these partners, we are improving the
likelihood of getting picked up, as we are being delivered as part of a much
more comprehensive service...not an aside, but a real, complementary service.
And three, we believe that these four partnerships alone would provide us with a
strong base from which to capture significant market share.

     With that in mind, we did refine our strategy at the beginning of 2001,
focussing primarily on these four core partnerships. We will continue to be
opportunistic in terms of adding partnerships, with the caveat that each one
must be a tub on its own bottom...by that I mean financially self-sufficient.
This strategy, as mentioned earlier, has allowed us to streamline our operations
and related costs.

     For those of you who follow this industry, there has been a spate of press
lately with regard to problems and legal battles being waged and suffered by
some other players. I believe that this turmoil represents an opportunity for
Claimsnet, and we intend to go after the disenfranchised in the process. There
is definitely business to be taken.




     Given both the expense considerations already mentioned and our continued
business expansion, while there can be no assurance, we expect to reduce the net
loss for the first quarter of 2001 in half to approximately $(1,000,000), or
$0.12 per share, as compared with the loss of over $1.9 million in the first
quarter of 2000. The Company has entered 2001 with more than 90% recurring
revenues and with the expectation that revenues will continue to increase
throughout the year.


With that I will turn this call over to you for your questions and comments.


     [QUESTION AND ANSWER SESSION]


With that, let me thank you for your patience and support and please rest
assured that we are pushing ahead for all stakeholders. Have a good day.