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Saving & Improving lives since 1996

Navigating Healthcare

This section of the website is designed to help you better understand, access, and use your health care policies to ensure you are getting the most from them.  

Please remember, policies change very often, and your policy holder may not notify you directly of changes.  They may, however, inform your employer or update their website. Each subsection of this area is meant to explain how general policies operate and the structures that govern them. Each policy is different, and conversations with your employer or the insurance company directly may be required.