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COEM information on Health Beyond Insurance (HBI) platform is intended for consumers to connect with COEM, and to provide helpful information to consumers regarding providers' products and services. HBI does not endorse, guarantee, or warrant the products or services of COEM, and HBI is not an agent, or representative of, or otherwise responsible for or on behalf of, COEM. HBI never makes any medical decisions for you or on your behalf, nor does HBI ever take any medical action in response to information transmitted or received by the COEM. HBI does not take part in any medical diagnoses, procedures, or recommendations, or in any medical, prescription, service.