In a method for creating and managing personal medical records a request for health care information is sent to a third-party payer, and health care information is received from the third-party payer and used to create received health care information. A patient profile identifies the types of health care information the patient wishes to obtain and save, and the received health care information is processed based on the patient profile to produce a result that includes one or more of (a) health care information that the patient wishes to save and was directly obtained from the received health care information, (b) the identity of health care information that was suggested to exist by the received health care information and that the patient wishes to save, but that was not contained within the received health care information. Based on the result, a web based computer or a patient's computer creates and manages personal medical records. The computer may create and transmit a request for additional health care information that was suggested to exist.