A method includes maintaining a cache of past responses from a payor to past patient eligibility confirmation requests for one or more payment plans generated by a health care service provider; receiving a present patient eligibility confirmation request from the health care service provider to determine whether a patient is eligible for a payment plan of the one or more payment plans offered by a payor; querying the cache based on demographic information associated with the patient to determine whether the cache has eligibility information for the payment plan for the patient stored therein; selecting a portion of the eligibility information for the payment plan based on health care service provider preferences or payor preferences when the cache has the eligibility information for the payment plan for the patient stored therein; an returning the portion of the eligibility information to the health care service provider.