Exclusively for Members who are owners or principals in firms with 2–50 employees.

Comprehensive Medical Care Options

Your choice of three coverage types:

Innovative "Open Access" HMO

Lower premiums than traditional coverage … fewer restrictions than HMOs

• No primary care physician required
• Access to a large local network of participating providers
• No referral needed to see a specialist
• Lower out–of–pocket costs for in–network services
• Includes prescription drugs, preventive care, well–baby care, worldwide emergency room care, and optional non–network benefits

Point of Service

• Primary care physician required
• A large network of participating providers
• Low copays for in–network services
• Out–of–network benefits included

PPO and Managed Indemnity (Nationwide Network)

• No primary care physician required
• Benefits with a network provider: lower out–of–pocket expenses, no–balance billing, no complicated claim forms to complete or track