The American Community Med HSA plan provides health care through a
preferred provider network with a choice of 100% or 80% network coverage for
inpatient and outpatient care, as well as prescription drug coverage . The expansion also brings an additional 40
primary care physicians and specialists to the network .

cost retirement

"CIGNA" or
"CIGNA HealthCare" refers to various operating subsidiaries of CIGNA
Corporation (NYSE: CI). Dawson, president and
chief executive officer of HealthAmerica and HealthAssurance.

carriers retirement

49,900 residents and over 1,000 employers in Bedford County gain access to
HealthAmerica's broad physician and hospital network including UPMC Bedford
Hospital

PITTSBURGH, HealthAmerica and HealthAssurance
announced today their expansion into Bedford County, effective July 1, 2005,
bringing area employers additional options for health care coverage for their
employees. HealthAmerica earned an "Excellent" Accreditation for its HMO
plan and HealthAssurance earned an "Excellent" Accreditation for the
HealthAssurance POS by the National Committee for Quality Assurance, an
independent, non-profit organization dedicated to measuring the quality of
America 's health care.

subsidiary md

com .

affiliates dominion

"CIGNA's HSA offers consumer-
focused approaches such as integrated web, call and claim service that
employees value and helps drive the consumer engagement that plan sponsors are
looking for. Should employers wish to receive more
information or would like a quote please contact either Kent Davidson at 412-
553-5599 or Gary Thompson at 412-553-7512.

About HealthAmerica and HealthAssurance
HealthAmerica Pennsylvania, Inc. With corporate offices in Pittsburgh and Harrisburg,
Pennsylvania, HealthAmerica and HealthAssurance provide managed health care
products and services to over 12,000 employers in Pennsylvania and Ohio.

aso employers

, American Community Mutual
Insurance Company introduced its innovative health plan with Health Savings
Accounts in Illinois effective March 1, 2005.

employees delta

Health Savings Accounts allow individuals and families to contribute up to
$2,650 and $5,250 respectively on an annual tax-free basis to pay for medical
expenses not covered by health insurance.

retirement employees

In addition, a unique accident
benefit waives the deductible for an injury when treatment is received within
30 days of the covered accident.

HealthAmerica and HealthAssurance Expand Service Area Into Bedford County

For more information, visit HealthAmerica's website
at http://www.

dental savings

"Our expansion into this county provides another health plan choice for
local employers and their employees," said Robert L.

savings delta

HealthAmerica, HealthAssurance Pennsylvania, Inc.

savings ppo

The HSA plan enables individuals and
families to save for and pay medical expenses with tax-free dollars .

About American Community
Founded in 1938, American Community Mutual Insurance Company was the first
health care insurance company in Michigan and is one of the oldest in the
nation ., March 3, 2005 -- CIGNA
HealthCare today announced that it is expanding the availability of its
consumer-driven CIGNA Choice Fund(SM) Health Savings Account (HSA) plans to
businesses with 51 -200 employees in North and South Carolina.

savings dominion

The company provides high quality, affordable coverage to
approximately 200,000 people.

plan effective

The Community Med HSA gives consumers greater control over their medical
care and how they choose to pay for it.
In addition to the financial offerings of JPMorgan Chase, the plan includes a
broad array of consumer decision support tools that encourage and help
consumers to make informed decisions about their health care, help them track
account balances online and help them plan for future health care needs. "We look forward
to offering employers high quality, cost effective health benefits through our
full spectrum of products including HMO, POS, PPO and consumer-choice plans."
UPMC Bedford Memorial Hospital is included in the HealthAmerica and
HealthAssurance provider network. In addition you may call our toll
free number at 1-800-735-2202 and ask for Lynn Wolkenstein at extension 5495.cvty.

carriers employer

The Health Savings Account provides several advantages over
the previous Medical Savings Account, including 100% tax-deductibility and the
ability to maintain unused balances until retirement.
Professional services to support the new expansion area will be provided
by the customer service, health management and provider relations staff of
HealthAmerica's Pittsburgh offices. In addition,
HealthAmerica 's product for individuals and families who are not eligible for
employer-sponsored health care benefits , Medicare, or Medicaid, called
HealthAmericaOne, is available now in Ohio and pending approval in
Pennsylvania.

plan dental

The CIGNA
Choice Fund HSA had previously been available only to employers with more than
200 employees.
SantaCroce said that consumer driven health plans, such as the CIGNA
Choice Fund HSA, can help employers manage costs by encouraging employees to
be more engaged in their health care decisions.

subsidiary benefits

The new Community Med HSA
offers significant premium and tax savings to individuals and families who
take advantage of a Health Savings Account (HSA), a federal health -related tax
benefit that went into effect in January 2004.
HealthAmerica and its affiliates employ over 1,500 people in Pennsylvania.

employees retirement

LIVONIA, Mich. In addition, funds
contributed to an individual 's interest-bearing HSA can be rolled over from
year-to-year, without being taxed as long as they are used for qualified
medical expenses. Plans Now Available to Businesses with 51-200 Employees

BLOOMFIELD, Conn.

CIGNA HealthCare, headquartered in Bloomfield, Connecticut , provides
medical benefits through managed care and indemnity health care plans, dental
coverage , behavioral health coverage, and pharmacy benefits.

employees indemnity

By choosing a health plan with a
high deductible ($1,000 minimum for individuals and $2,000 for families),
consumers can reduce their health insurance premiums typically by 35 to 50%. Other
services, such as maternity and dental coverage, are optional . Based in Livonia, Michigan, American Community provides individual
and group health insurance products in eight states through an agency force of
over 5,000. For more information, including agent location ,
visit http://www.american-community.com

CIGNA HealthCare's extensive provider network and medical management programs
are also key features of the plan.

ppo retirement

This means starting immediately , companies that wish to receive a
quote for their group health insurance can do so for a July 1, 2005, effective
date.

desjardins subsidiary

As provided through the Medicare Reform Act, contributions to a Health
Savings Account can be deducted from taxable income.
"We are pleased to offer employers in this market segment the flexibility
and savings of an HSA," said Mark SantaCroce, President and General Manager of
CIGNA HealthCare in North and South Carolina.

dominion affiliates

"
The CIGNA Choice Fund HSA combines a tax-advantaged savings account with a
high-deductible health plan and financial management features , such as a debit
card and checkbook from JPMorgan Chase, all in an integrated benefits plan., has a 30-year record of providing health
care benefits.

savings md

CIGNA is offering the expanded availability now for plans that
take effect on or after May 1, 2005.
"Gaining the expansion approval to provide employee health benefits in
Bedford County also will benefit existing HealthAmerica and HealthAssurance
employer groups in surrounding counties with employees residing in Somerset,
Cambria, and Blair counties," added Dawson.healthamerica.

desjardins savings

American Community Introduces Flexible HSA Health Plan in Illinois

To introduce these new plans
to employees, CIGNA HealthCare offers communication and enrollment assistance
to help employees learn about their benefit choices and get the most out of
their health plan. Products and services are provided by these operating
subsidiaries and not by CIGNA Corporation .

affordable dental

Contributions to the HSA can be made monthly and will be administered by
HealthEquity or another third party administrator., and
affiliate companies cover over 720,000 members in Pennsylvania and Ohio
through HMO, POS, PPO, Medicaid, and Medicare Advantage plans.