• In 1995, Americans spent over One Trillion Dollars in health care expenses. $175 Billion of that was out of pocket expenditures.

• Nearly 70 million people, or about one third of the U.S. population under the age of 65 are under-insured or non-insured.

The Physician Referral Network is a discount program which makes health care services much more affordable.

As with all PREMIER OPTION BENEFITS, the Physician Referral Network is not insurance, so there are no claim forms, deductibles, or waiting periods. The network is available throughout the U.S. and continually expands it’s service area based on customer needs.

With this program, members save an average of 10% to 30% at participating physician offices throughout the country. Members have access to over 243,700 providers including family physicians and specialists.

The program utilizes the 5^th largest PPO network in the nation in number of participating providers. Thus, the nationally recognized PPO network "owns their physician contracts" so the network can not lose coverage due to cancellation of a leased network agreement. In addition, the network maintains control of physician education and service levels.

The Physician Referral Network is effective and easy to use. Members simply present their card at a participating provider location and receive an immediate discount off the cost of services provided. Since there are no age or medical history restrictions, anyone can receive savings with the Physician Referral Network.