It is a pleasure to work with you on your health coverage needs.  I realize that there are not many licensed physicians who work as insurance agents and brokers instead of practicing medicine.  While I think my experience as a physician and my previous dealings with insurance carriers, HMOs and others as a provider are a benefit to you as I work with you to identify the best alternatives in today's complicated markets, I also want to be sure that there is a clear understanding that 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.

Here are some of the ways I think my background works to your benefit:

• After 17 years in the medical field, I understand the practical aspects of different types of coverage - HMO vs. PPO, high deductible vs. low deductible, etc.
  
• I understand and appreciate the importance of quality health care.
  
• I have a lot of experience understanding and explaining policy language.
  
• I specialize in health coverage; people who sell many kinds may not be as well informed about each.
  
• Having been at the delivery end of health care, I assess the client's needs from a practical perspective.
  
• I am familiar with the various types of coverage in the marketplace and the practical aspects of the differences between them.
  
• I can help with properly answering application health questions.
  
• I am accustomed to providing personalized service with high standards of excellence.
  

However, I do not practice medicine for my clients, so:

I do not give medical advice.

I do not diagnose any condition.

I do not treat any conditions.

I don not comment on diagnosis or treatment by others.

It is very important to me that we both understand that whatever benefits my experience as a physician my bring to our joint efforts to secure the right health coverage for you, those benefits do not and cannot include anything involving my engaging in the practice of medicine.

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

Thank you for the opportunity.

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