Copyright © 2011 All Rights Reserved


By using this website you are agreeing that this information is for informational purposes only.  While this website strives to stay current, it may be slightly behind on law/regulations changes.  This information may or may not apply to your specific health plan and/or your specific state.  What you choose to do with this information is entirely up to you.  This website offers no medical advice;we are not healthcare providers, and if you need medical help we recommend you seek out your primary care physician or if this is an emergency go to the nearest emergency room or call 911.  

Understand that by using this website and any/all of the products attached to this site and it’s affiliates you are holding us harmless for any actions that you choose to do based on information from this website or it’s affiliates/products.  We are not liable for your actions or the results of those actions.

Additionally, all information given here is from Jina Oravetz and/or associates.  It does not represent any company or companies that Jina Oravetz and/or associates work, worked, or will work for or with.  No company confidential information is provided.  

All sales are final.  The reason that this  is to prevent people from purchasing, learning the information,and then returning the product.

If you truly do have a problem such as not being able to download and unable to read then please email and I will do my best to help you.