7 billion in 2002 to $5 billion in 2003, according to the U.

landmark nationwide

plans insurance

PacifiCare's New Small Business Choice Series Offers Nevada Small Businesses a Host of Health Plan Options

Employers can even mix and match to offer a portfolio that best
suits their employees' health care and financial needs.

securian benefit

"Small employers face serious challenges as they try to offer
their employees quality health care benefits at an affordable price ,"
says James Reid, head of Aetna's small group business segment for
Northern New Jersey.5 million group insurance members to help them
make better informed decisions about their health care and protect
their finances against health-related risks.

insurance epo

benefits administrators

"
As one of the nation's leading providers of health care, dental,
pharmacy, group life, disability and long-term care benefits, Aetna
puts information and helpful resources to work for its approximately
13.7 million medical members, 11.
Department of Commerce.

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PacifiCare Health Systems offers individuals and employers a variety of
consumer -driven health care and life insurance products.

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"
Small Business Choice Series plans offer many other PacifiCare programs,
including behavioral health care, dental and vision coverage and a tiered
pharmacy benefit.pacificare.

benefits dental

administrators securian

Business Editors

CRANBURY, N. The
plans are available for April 1 effective dates., Committed to offering affordable
and flexible health care options in the face of rising health care costs,
PacifiCare, a UnitedHealthcare Company, launched the Small Business Choice
Series for small businesses in Nevada.

Category is for insurance agents and marketers web sites which offer dental insurance only.

employer indemnity

Aetna provides easy
access to cost-effective health care through a nationwide network of
more than 655,000 health care professionals, including over 390,000
primary care and specialist doctors and 3,937 hospitals. Multiple options of
similar plans, such as high- and low-deductible PPO plans, can be offered by
one employer to best meet the varying needs of individual employees.

nationwide funded

9 million dental members, 8.

indemnity dental

"Aetna designed these plans to provide those
employers with new, more affordable solutions to those challenges.S. Small Business Administration (SBA) Office of
Advocacy, small businesses are vital to the financial well-being of Nevada's
economy and essential to economic growth since they comprise nearly all of the
state's employer firms in the state.pacificare.

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J. For more
information, please visit www. (Figures as of December 31,
2004 )

com.

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More than 10 health plans -- including PacifiCare
SignatureOptions(SM) and Health Savings Account-compatible plans as well as
PacifiCare SignaturePOS(R) and PacifiCare SignatureFreedom (SM) -- are
available.
According to the U.
"When it comes to quality, affordable health care coverage, small
businesses want more than just a 'one-size-fits-all' solution; they want their
employees to have the same kind of customized, flexible options that employees
with large companies have," said James Frey, chief executive officer, Pacific
Region, UnitedHealthcare.
To learn more about the new Small Business Choice Series, call
(800) 826-4347 or visit http://www.com.

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"
Aetna provides health benefits to more than 1.4 million
pharmacy members and 13.

dental marketplace

The PPO first-dollar option is a high-deductible insurance plan
with a benefit feature that allows for a limited dollar amount of
services before the deductible comes into play. "Aetna has listened to what the market is asking
for, and has responded.

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safeguard individuals

It covers three office
visits per member each calendar year for acute and preventive care,
and a fixed benefit allowance for lab and X-ray services.
"These new plans are both innovative products that few, if any
other carriers have," said Jim Foglio , president of Fotek Insurance
Agency, Wall, N.
The new Choice Series offers a range of health plan options designed to
provide greater flexibility and choice for small businesses and their
employees . Of the more than 51,000 Nevada-based
firms with employees, approximately 95 percent, or more than 49,000, are small
businesses. More information on PacifiCare is
available at http://www.

epo securian

J.-- --Aetna (NYSE:AET)
announced today that it has developed two new preferred-provider
organization (PPO) medical plans for small employers in New Jersey,
expanding its portfolio of affordable health benefits solutions.

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Aetna Introduces Two New PPO Plans for New Jersey's Small Employers

- Portfolio of Health Plan Options to Meet Each
Employee's Individual Health Care and Financial Needs

CYPRESS, Calif.

administrators marketplace

In addition to Aetna's other product offerings, New Jersey
businesses with two to 50 employees can now select a basic hospital
PPO plan, or a first -dollar PPO plan design.5 million New Jersey
members.aetna. "With the new Choice Series, small businesses and
their employees can select from a host of different PacifiCare plans -- from a
high-deductible plan that offers tax savings to a more affordable plan with
lower out-of-pocket costs.

managed funded

aso nationwide

com. In addition , small-business income increased nearly 7 percent,
from $4. In addition, members can enroll in any of PacifiCare's
award-winning disease management programs, including those for diabetes and
congestive heart failure, as well as enroll in HealthCredits(R), an innovative
suite of services that provides consumers with tools to make better health
care decisions and a rewards system for those who take active steps to improve
their health. Specialty operations
include behavioral health, dental and vision, and complete pharmacy and
medical management through its wholly owned subsidiary, Prescription
Solutions.

benefit benefits

The basic hospital PPO plan features a high-deductible insurance
plan that provides inpatient hospital coverage, along with limited
benefits for outpatient surgery, skilled nursing care or home health
care charges, in lieu of hospitalization.
The PacifiCare Small Business Choice Series is available now to small
businesses in Nevada with 10 to 50 actively enrolled employees . PacifiCare, a UnitedHealthcare Company, serves nearly 55,000
commercial health plan members in Nevada.