We have merged the very best aspects in primary care with the very best aspects of health insurance coverage and have launched the newest health insurance company in Kentucky. Our two companies are ClubMD and CMD Health, respectively. Small to mid-sized companies are being offering a full replacement for what they currently purchase from the large insurance carriers. Those employers are then able to offer their employees a primary care setting where there are no co-pays, no claims and almost no paperwork. The ClubMD physician and their team are liberated to practice medicine the way it was meant to be.