Disclaimer: DoctorNavigator is exclusively marketed and administered by Ternian Insurance Group LLC. The DoctorNavigator program has neither developed nor established a ranking system of physicians, hospitals or pharmacies based on any combination of cost, quality, performance, or efficiency measures. It provides an integrated access point for consumers to view price, patient satisfaction ratings, and quality measures independent of one another. The content found on DoctorNavigator is intended for informational purposes only. It does not provide, nor is it a substitute for professional medical advice, diagnosis, treatment, care, referrals or recommendations. Individuals should always seek the advice of a licensed physician or health care provider. The access to discount benefits included with the DoctorNavigator program is not insurance. The plan does not make payments directly to the providers of medical services. Through an alliance with a licensed and registered discount medical plan organization, the plan provides discounts at certain health care providers for medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the provider network.