Savings of up to 70% on virtually all your health needs - it's true!

There are sound reasons why we can provide members such huge savings.

FACT: Insurance companies pay most or all of your claims, which are more expensive than they need to be!
FACT: Approx. 50% of claim costs is associated with processing forms, covering the salaries and commissions of personnel and agents, and expensive lawsuits from other claimants.
FACT: Doctors and other health providers need to charge higher and higher prices for the services they provide, to cover their high administrative costs of filling out more and more forms, to track the payments due to them from the insurance companies and HMO's, and because they have to wait sometimes for months to get paid.

Insurance companies and HMO's contract with networks of doctors, hospitals, dentists, pharmacies, and other health care providers and receive a discounted rate because of the volume of business that they refer to these networks. So do we!

1. We reduce the high cost of health insurance. With this program, there are no claim forms at all. Since our program is not insurance, you simply pay the health provider when you see them, but at the same rates given to the insurance companies & HMO's. You don't need to fill out a claim form.
2. Other than our minimal fees, every dollar you spend goes directly for your healthcare, not for the costs of administrative and sales staffs, and not for the expensive costs of lawsuits.
3. Unlike insurance, which increases in cost the more you use it, we encourage you and your family to use this program as often as needed without increases in fees - (You will never hear of an insurance company encouraging frequent medical visits.)
4. The other big difference is that with most, if not all insurance plans, you have to qualify for coverage and you are subject to exclusions, limitations and waiting periods. We do not need to know any details on your present or past health history or your income, and we will never ask for it. Everyone is guaranteed acceptance for the same low plan pricing, and it includes all members of your family.

This program is designed to help:

• Small Business Owners
• Employees Of Small Businesses
• Entire Families
• Individuals
• Those Uninsurable Under Conventional Coverage
• Unemployed or Part Time Workers
• Those That Can’t Afford Regular Health Insurance
• Those With Limited Insurance Coverage Or High Deductibles
• Those With Pre-Existing Medical Conditions

There is absolutely no reason that everyone shouldn't have access to affordable health and wellness care. Best of all, we'll have you covered within 10 to 14 days from the time you complete your application.