Guardian Life Insurance Company of America is joining the Health Net of the Northeast Inc. to introduce 10 point-of-service plans and 12 exclusive provider organization plans in New York.[@@]

The health plans are designed for employers with 2 to 50 employees, and they are cheaper and more flexible than comparable health maintenance organization plans, according to Guardian, New York.

Health Net, Shelton, Conn., is a unit of Health Net Inc., Los Angeles, Calif.