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**Benefit exclusions and limitations may apply with full disclosure. HealthGuys and owned Entities are required to comply with all applicable federal laws, including the standards to protect the privacy and security of personally identifiable information. HealtGuys and all company owned entities complies with all applicable federal civil rights laws and does not discriminate based on race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. Plans, products, and services are provided by Entities specified on the plan, product, or service contract, not HealthGuys or owned entities. Not all plans, products, and services are available in each state.**