Value Health Network is not insurance. Value Health Network provides our members contracted rates for products and services through our network of health care providers. Value Health Network does not make payments directly to providers for products and services received under this program. The member is obligated to pay for all products and services at time of service. Value Health Network has no liability for providing or guaranteeing service or the quality of service. If you cancel your membership within 30 days of enrollment, you will receive a full refund. Value Health Network is available in (1) the New York Metro area including the five boroughs, Westchester and Long Island, Rockland & Orange Counties (2) New Jersey in Essex, Bergen, Hudson, Passaic, Union & Middlesex counties and (3)Atlanta, GA Metro Market including Clayton, Fulton, Gwinnett, Dekalb, Cobb & other surrounding counties.