It is a pleasure to work with you on your health coverage needs. It is important that you know when I am working with you, your employees, dependents, or anyone else in connection with existing or potential coverage that I am not acting in any way as a physician or rendering any type of medical advice, diagnosis, or treatment.

What I do provide is:

• An understanding of the practical aspects of different types of coverage - HMO vs. PPO, high deductible vs. low deductible, etc.
  
• An understanding and appreciation of the importance of quality health care.
  
• Much experience understanding and explaining policy language.
  
• Specialization in health coverage; people who sell many kinds may not be as well informed about each.
  
• An ability to assess the client's needs from a practical perspective.
  
• A familiarity with the various types of coverage in the marketplace and the practical aspects of the differences between them.
  
• Help with properly answering application health questions.
  
• Personalized service with high standards of excellence.

 What is not provided:

• I do not give medical advice.
  
• I do not diagnose any condition. 
  
• I do not treat any conditions. 
  
• I do not comment on diagnosis or treatment by others. 

It is a privilege to work with you with respect to your health coverage needs. 

Thank you for the opportunity.

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