If you thought the only way to offer a full complement of choice was to suffer the complications that go with it, ask for a new prescription.

If you've been told the only source for multiple option programs with self-funding arrangements is a large insurance company, it's time for a second opinion.

And if you're resigned to working with huge bureaucracies that try to deliver health care and rarely succeed, we'd like to recommend a specialist.

M.D. Health Plan, the first state-wide HMO to offer
self-funding and open-ended plans, now brings you Spectrum, a multi-option program that limits administrative headaches without limiting employee choice.

Best of all, Spectrum relieves the discomfort of adverse selection by consolidating the entire group under one contract. So you can take full advantage of managed care cost controls without sacrificing other options in the process.