Major medical plans have a network, and typically allow you to see an out-of-network provider at reduced benefits if your physician is not in the network. With our limited medical plans, employees can continue seeing the doctors they have been using for years. We also offer a comprehensive health savings program with access to over 285,000+ providers and discounts of 10% to 30% for doctors and hospitals*, and 15% to 50%** for routine and specialty dental.

**Anticipated national average dental charges for the 2006 calendar year based on the comparison of provider negotiated fees to national average charges. Actual costs and savings vary by provider and geographical area.