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The Kraft Group information on Health Beyond Insurance (HBI) platform is intended for consumers to connect with The Kraft Group, and to provide helpful information to consumers regarding providers' products and services. HBI does not endorse, guarantee, or warrant the products or services of The Kraft Group, and HBI is not an agent, or representative of, or otherwise responsible for or on behalf of, The Kraft Group. 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 The Kraft Group. HBI does not take part in any medical diagnoses, procedures, or recommendations, or in any medical, prescription, service.