Disclaimer
Information on this website is provided "AS IS" without warranty of any kind,
either express or implied, including, but not limited to, the implied
warranties of merchantability, fitness for a particular purpose, or
non-infringement. Some jurisdictions do not allow the exclusion of implied
warranties, so the above exclusion may not apply to you. The data set forth
herein is for informational purposes only, and no warranty is made that the
information is error-free. Please note that once you leave this site, either by
using a link we may have provided for your convenience or by specifying your o
wn destination, Benicorp accepts no responsibility for the content, products
and/or services provided at these non-Benicorp locations. Benicorp does not
control, endorse, promote or have any affiliation with any other website unless
expressly stated herein.
Limitation of Liability
IN NO EVENT WILL Benicorp BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT,
SPECIAL OR OTHER CONSEQUENTIAL DAMAGES ARISING OUT OF ANY USE OF THIS WEBSITE,
OR ANY OTHER HYPER-LINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST
PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR
OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF
SUCH DAMAGES.
Changes to This Site
Information may be changed or updated without notice. Benicorp has no
obligation to update information presented on this website, so information
contained herein may be out of date at any given time. Benicorp may also make
improvements and/or changes in the products and/or programs described in this
information at any time without notice.
Forward-Looking Statements
Certain information related to financial and operating performance contained on
this website is forward-looking. You should consider forward-looking statements
to have been made only as of the date of their original publication. Those
statements, while included on this website for historical reference, have not
been updated. Further, that information is based on management's estimates,
assumptions and projections and is subject to significant uncertainties and
other factors, many of which are beyond Benicorp's control. Important risk
factors could cause actual future results and other future events to differ
materially from those estimated by management. Those risk factors include, but
are not limited to: unanticipated increases in medical costs (including
increased medical utilization, increased pharmacy costs, increases resulting
from unfavorable changes in contracting or recontracting with providers,
changes in membership mix to lower-premium or higher-cost products or
membership-adverse selection; as well as changes in medical cost estimates due
to the necessary extensive judgment that is used in the medical cost estimation
process, the considerable variability inherent in such estimates, and the
sensitivity of such estimates to changes in medical claims payment patterns and
changes in medical cost trends); decreases in membership or failure to achieve
desired membership growth due to significant competition, reputational issues
or other factors; increases in medical costs or Group Insurance claims
resulting from any acts of terrorism, epidemics or other extreme events; the
ability to reduce administrative expenses while maintaining targeted levels of
service and operating performance, and to improve relations with providers
while taking actions to reduce medical costs; the ability to successfully
implement Benicorp's operating model to a projected growing membership base and
to successfully implement multiple strategic and operational initiatives
simultaneously; lower levels of investment income from continued low interest
rates; adverse government regulation (including legislative proposals
eliminating or reducing ERISA pre-emption of state laws that would increase
potential litigation exposure, and other proposals, such as patients' rights
legislation, that would increase potential litigation exposure or mandate
coverage of certain health benefits); adverse pricing actions by government
payors; changes in size, product mix and medical cost experience of membership
in key markets; our ability to integrate, simplify, and enhance our existing
information technology system and platform to keep pace with changing customer
and regulatory needs; and the outcome of various litigation and regulatory
matters, including litigation and ongoing reviews of business practices by
various regulatory authorities (including the current industry wide
investigation into insurance brokerage practices concerning broker compensation
arrangements, bid quoting practices and potential antitrust violations being
conducted by the New York Attorney General, the Connecticut Attorney General,
and others, and for which the Company has received and may receive subpoenas,
and may be subject to related litigation). For more discussion of important
risk factors that may materially affect Benicorp, please see the risk factors
contained in Benicorp's 2004 Annual Report on Form 10-K, on file with the
Securities and Exchange Commission. You also should read Benicorp's 2004 Annual
Report on Form 10-K and any Form 10-Q's for subsequent periods for a discussion
of Benicorp's historical results of operations and financial condition.
Products and Services Offerings
"Benicorp" is the brandname used for products and services provided by one or
more of the Benicorp group of subsidiary companies.
The product and/or services descriptions, if any, provided on this site are not
intended to constitute offers to sell or solicitations in connection with any
product or service. All products are not available in all areas and are subject
to applicable regulation areas and in many instances may be offered only
through employers or other plan sponsors. Specific products may not be
available in both self-funded and insured forms.
Covered services and preferred benefits are provided under the terms of the
applicable plan contract, including limitations and exclusions.
Anyone interested in a particular product should contact their local Benicorp
representative to determine whether the product and/or service is available in
their jurisdiction, and to request a copy of the applicable policy or
prospectus for a complete description of the product and/or service in
question.
Trademarks
The Benicorp logo, and all other trademarks, service marks, trade names, logos,
domain names, URLs and icons ("Marks") appearing on this website, registered or
not, are the property of Benicorp Inc. or their respective owners. Nothing on
this website grants you any right or license to use any of the Marks on this
site without the express written permission of Benicorp Inc. or the third party
owners of the Marks. Unauthorized use may violate trademark and other laws.
Not a Solicitation
Nothing in this site should be construed as a solicitation or offer to purchase
coverage from Benicorp or any of its affiliated companies.
Not a Substitute for Professional Health Care or Advice
The health information contained in these websites is general in nature and is
not a substitute for professional health care. It is not meant to replace the
advice of health care professionals. If you have specific health care needs, or
for complete health information, please see a doctor or other health care
provider.
|