Member Benefits

NJAOPS provides a comprehensive and growing array of benefits and services to meet the
professional and personal needs of our member physicians. We've partnered with some of the
leading business service companies to offer high-quality products that will meet your expectations.

EXCLUSIVE MEMBER BENEFITS

NJAOPS Update is the weekly electronic newsletter exclusively e-mailed to
members to report the activities of the association, and news and information
important to the osteopathic community. No other news source offers osteopaths the
scope of useful detail in such a timely manner. Click here to request the weekly update.

Continuing Medical Education (CME) is mandatory for all New Jersey-licensed
physicians. Physicians are required to receive 100 CME credits every two-years.

NJAOPS partners with its county societies to provide members with free
monthly CME dinner programs. Always a valuable source of medical and
business-of-medicine information, they now provide the CME credits necessary
for your continued state medical licensing. Click here to view a list of county
societies and their dinner program dates.

Members also receive a significant registration discount for the annual spring
convention that offers more than 30 CME credits. For additional information,
call 732-940-9000, ext. 307, or click here to inquire by e-mail.

The NJAOPS-PNC Bank Physicians' Financial Services Program provides
a complete set of small and medium business services, medical malpractice premium
financing at preferred rates, increased transaction limits for handling co-pays and
insurance reimbursement payments, medical equipment leasing and office financing,
e-Healthcare solutions and more.

Click here to request a complete information packet. For a personal consultation,
contact your local PNC Bank branch manager.

NJAOPS Professional Liability Insurance Program provides the right
coverage at preferred member rates, saving members as much as 33 percent.
Partnering with The Woodland Group, one of New Jersey's premier PLI brokers,
this program includes a complimentary, comprehensive review of your professional
insurance needs and a presentation of coverage options. All participating members
receive malpractice update newsletters and risk management education that's
often eligible for premium credits. A complete line of professional insurance
products are also available at preferred rates.

For more information, contact Tim Hoover at 800-253-1521 or click here to inquire
by e-mail.

Financial Resources Federal Credit Union is pleased to offer exclusive NJAOPS member benefits to address the unique financial needs of osteopathic physicians. Through its straightforward medical malpractice financing plan, its cost-effective 401(k) retirement benefits plan (with up to 35 fund choices), its array of employee benefits solutions, and years of experience in estate planning, Financial Resources has the expertise needed to assist you in your financial decision making. Call 908-429-6507 or click the links below to request members-only details on each of these areas:

· Medical Malpractice Insurance Financing
· Business Lending Program
· 401(k) retirement benefits
· Group Health Benefits

Or click here to visit Financial Resources online.

Legislative representation effectively brings the voice of the osteopathic profession
before officials and government agencies in New Jersey with constant monitoring
of healthcare issues. NJAOPS uses an award-winning lobbyist to represent
osteopathic medicine in Trenton.

NJAOPS Ethics Committee is available to reveiw any complaints, disputes, or
grievances that may arise with patients or third-party carriers before they reach
litigation or are reported to the State Board of Medical Examiners.

MEMBER BENEFITS

Atlantic Regional Osteopathic Convention (AROC), one of the largest osteopathic
conventions in the country, hosts nearly 1,000 physicians and exhibitors each spring
for four days of exceptional CME and the latest in healthcare and related fields. Site
of the NJAOPS House of Delegates, the annual election of officers is a highlight of
the event, as is recognition of the Physician of the Year. Mark your calendar now for
AROC 2007, April 24–28 at the Tropicana Atlantic City. Click here for registration and
exhibitor information.

The Journal brings you features on the latest medical information, updates from the
association and Trenton, and useful articles on practice management. Published quarterly,
members are encouraged to submit original articles relating to their specialties or clinical
studies of interest to the osteopathic community. Click here for editorial submission guidelines
and subscription and advertising information.

New Jersey Physician Directory and Resource Guide provides members with
comprehensive listings of osteopathic physicians practicing in New Jersey, alphabetically,
geographically and by speciality. The directory also provides helpful information about affiliates,
osteopathic medical schools, New Jersey osteopathic internship and residency programs,
and more!

www.njosteo.com is the official Web site of NJAOPS, providing professional news,
association activities, and a wide variety of services, resources, and helpful links.

Healthcare Employees Federal Credit Union (HEFCU) gives you the option of
supplying your private practice employees with the same benefits offered to employees of
New Jersey's leading hospitals. Besides a full range of deposit and loan products, HEFCU
offers no-surcharge access to over 2,000 ATMs in New Jersey, with many more nationwide.
This includes PNC, Allpoint, and the Co-op Network ATMs, as well as HEFCU's own ATMs
located in major hospitals.

HEFCU offers an attractive Visa credit card program (Classic and Platinum). And its
relationship with GMAC Mortgage makes its complete line of mortgage products some of
the best available.

For more information call 800-624-3312 or click here to visit them online.

Auto and homeowners insurance by Liberty Mutual offers NJAOPS members
special discounted group rates. For a free, no-obligation rate quote, call 800-500-8061,
group #6848.

Home mortgages and commercial loans are easy as a Liberty PowerBuyer. Not only
will Liberty Home Mortgage offer you an outstanding mortgage rate, but you'll save
hundreds of dollars with no application fee, no credit report fee, no commitment fee,
and up to a $250 reimbursement on your appraisal fees. Find out more about their
wide array of personal, mortgage, and commercial loans by calling 877-374-4427.

Autos at Dealer Invoice is one of the best deals in New Jersey on a new car! Offered
by Malouf Auto Group of New Brunswick, it's available to NJAOPS members, and their
employees and families. If you're in the market for a new car, visit Malouf. And yes,
manufacturer rebates will also be included. Call today for a no-haggle experience.

Buick, GMS, Pontiac—Robert De Vito
732-821-5400, ext. 259

Ford—Stewart Koncius
732-951-0300, ext. 253

Lincoln/Mercury—Joseph Germino
732-821-1100, ext. 127

NJAOPS Gold MasterCard is a valuable compliment to your financial resources with
all of the benefits you need and deserve. Call 800-847-7378 to apply.

Professional Counseling is available for physicians in need of confidential assistance
due to alcohol or drug dependency. Call 609-896-1766, ext 206 for more information.