MARKET OPPORTUNITY AND STRATEGY: ‘QHPFG’ – Quality Health Plans of New York, Inc., the HMO subsidiary of QHP Financial Group, Inc., is a Medicare Advantage Part D (MAPD) health insurance plan (HMO). A privatized Medicare health insurance plan contracted with the Centers for Medicare and Medicaid Services (CMS), a subdivision of the federal Department of Health and Human Services (DHHS), that serves the health care needs of 65 and older population and the disabled. See Annex ‘A’ Business Plan for specific details.