We Represent Health Companies With the Following Benefits

• Visits to the member's primary care provider and referrals to specialists (even out-of- network if medically necessary)
• Coverage for obstetric/gynecological needs, including a self-referral option
• A full range of preventive care for the whole family, including check-ups, immunizations, and mammograms
• No charge for diagnostic services such as laboratory tests and x-rays
• Hospitalization, arranged and coordinated by the primary care provider
• Urgent and emergency health care covered worldwide
• Physical and occupational therapy
• Ambulance service for life-threatening situations
• Mental health and substance abuse counseling
• Durable medical equipment and diabetic supplies

Additional Benefits

• Preventive dental services for children
• Eye and hearing exams
• Discounts on optical services
• Free and low-cost health education offerings
• A variety of products, including point-of-service options and (in some areas) managed care workers' compensation
• Easy administration, a minimum of paperwork, and trained service representatives prepared to answer questions
• Simplified, integrated billing system
• Prescriptions-By-Mail program

Health Savings Accounts

Plan Designs:

• HMO
• PPO
• EPO
• High Deductible with a health savings account

Don't delay -- Find out today how to save on Health/Dental Insurance. Call us at 607.563.9955 (Sidney), 607.433.0989 (Oneonta), 607.637.5453 (Hancock), or fill out our convenient online simple information request form.