MedAmerica Gains Capital Strength in Partnership with Munich American Reassurance Company

"
MARC is a part of The Munich Re Group, a preeminent company in global
reinsurance. It has built a solid reputation as an industry
leader by offering innovative, flexible and comprehensive products at
competitive rates to employers, affiliations and individuals.

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MedAmerica is a leading long term care insurer of
employee programs, including several states, and has 18,000 contracted agents
nationally.

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Business Editors

CRANBURY, N.

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"These new plans are both innovative products that few, if any
other carriers have," said Jim Foglio , president of Fotek Insurance
Agency, Wall, N. MARC is licensed, accredited, or authorized in all 50 states,
Washington, D.

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9 million dental members, 8. PITTSBURGH, MedAmerica Insurance Company announces
it has entered into an agreement with Munich American Reassurance Company
(MARC ) for reinsuring the MedAmerica CareDirections Simplicity(R) individual
product. MARC is one of the largest and most highly regarded reinsurers in the
U.

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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.

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J. "Aetna has listened to what the market is asking
for, and has responded.aetna. Perna , president of
MedAmerica.

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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.5 million group insurance members to help them
make better informed decisions about their health care and protect
their finances against health-related risks.
MedAmerica has outpaced the long-term care industry averages in individual
product sales for four consecutive years.5 billion
company located in Rochester, New York, that operates one of New York State's
largest health insurers .

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7 million medical members, 11.S. Last year was the company's 15th
consecutive year of positive operating results.

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

J. "We foresee unlimited opportunity in the marketplace for future
growth.

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For more
information, please visit www.
(Photo: http://www. "This new relationship with an A+ rated
reinsurer further improves MedAmerica 's position as a financially strong
company. MedAmerica is licensed in 49 states and the District of Columbia
with in-force policies in every state.

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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.
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. (Figures as of December 31 ,
2004)

, and Puerto Rico.

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"
Aetna provides health benefits to more than 1.C.

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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.

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newscom.

For insurance agents and marketers web sites which offer long term care insurance only .

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"Aetna designed these plans to provide those
employers with new, more affordable solutions to those challenges.

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To properly position and support MedAmerica Insurance Company's growth
and capital needs , MedAmerica has set in place a strategic plan to pursue a
reinsurance partnership. It is headed by Munich Reinsurance Company of Munich, Germany,
and includes reinsurance subsidiaries, branches, service companies and liaison
offices in more than 60 locations worldwide, serving insurers in more than 150
countries.

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"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.com.

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----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. This agreement will provide capacity to build capital and surplus while
MedAmerica continues on its strategic path to gain market share in the long
term care business.

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4 million
pharmacy members and 13. 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.

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5 million New Jersey
members.

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"MedAmerica has demonstrated both pricing and underwriting discipline over
the last 18 years," states Perna."
MARC has a Best's rating of A+ "Superior" and an A+ "Strong" from Standard
and Poor's.

About MedAmerica
MedAmerica Insurance Company (Home Office: Pittsburgh, PA) is a long term
care insurance subsidiary of The Lifetime Healthcare Companies, a $4.
MedAmerica has been dedicated exclusively to long term care insurance
since its founding in 1987.

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The
plans are available for April 1 effective dates.com/cgi-bin/prnh/20060110/NYTU129 )
"Again this year, individual sales are at an all-time high as we continue
to outpace industry averages," comments Christopher D.