The new Choice Series offers a range of health plan options designed to
provide greater flexibility and choice for small businesses and their
employees.S.
To learn more about the new Small Business Choice Series, call
(800) 826-4347 or visit http://www.

About HealthAmerica and HealthAssurance
HealthAmerica Pennsylvania, Inc.healthamerica.

employers medicare

, 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.
"Our HealthAmericaOne plan offers individuals and families affordable
health insurance alternatives," said Robert L.
HealthAmericaOne is available exclusively through insurance brokers.

rsp critical

cvty.

life educators

"
HealthAmericaOne offers members the choice of several preferred provider
organization (PPO) plans at competitive rates . HealthAmerica and its affiliates employ over 1,500
people in Pennsylvania. For more information , visit HealthAmerica's website
at http://www.

critical 35

"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. "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.com.

PacifiCare Health Systems offers individuals and employers a variety of
consumer-driven health care and life insurance products."
HealthAmericaOne members will also have access to one of Pennsylvania's
leading health care provider networks with more than 21 ,000 primary care and
specialty providers. 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.

illness medicare

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. 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 will be enrolling members in
Pennsylvania for June 1, 2005.com .

supplement critical

life 35

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

empire critical

PacifiCare, a UnitedHealthcare Company, serves nearly 55,000
commercial health plan members in Nevada.

brokers coverage

pacificare. HealthAmerica, HealthAssurance Pennsylvania , Inc.

carriers rsp

S.com.

HealthAmerica's Affordable Health Plan for Individuals and Families Approved

HealthAmericaOne Options Also HSA-Compatible

HARRISBURG, Pa. The new plan, called HealthAmericaOne, will
be enrolling members in Pennsylvania for June 1, 2005. Plus, they will have 170 hospitals in Pennsylvania and
Ohio to choose from.

life illness

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

The PacifiCare Small Business Choice Series is available now to small
businesses in Nevada with 10 to 50 actively enrolled employees.
According to the U.

coverage rsp

Dawson, president and CEO of
HealthAmerica and HealthAssurance . The
plans, with various deductible and coinsurance options, cover core medical
services, prescription drugs, and preventive services while also protecting
members from large medical bills in the event of a serious illness or injury.

carriers educators

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 .
Department of Commerce., and
affiliate companies cover over 720,000 members in Pennsylvania and Ohio
through HMO, POS, PPO, Medicaid, and Medicare Advantage plans.

life financial

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

equitable holder

empire retirement

In addition, small-business income increased nearly 7 percent ,
from $4.

35 term

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

CYPRESS, Calif. Specialty operations
include behavioral health, dental and vision, and complete pharmacy and
medical management through its wholly owned subsidiary, Prescription
Solutions. It has been available
in Ohio since March 2005.

supplement carriers

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 .
Individuals interested in finding out more about HealthAmericaOne should
contact an insurance broker in their area.

illness financial

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., The Pennsylvania Department of
Insurance has approved a new health insurance plan from HealthAmerica that
offers an affordable health insurance choice for individuals, families, and
sole proprietors who are not eligible for employer-sponsored health care
benefits, Medicaid, or Medicare. "Consumers can choose the level of coverage
and the price they can afford. When members use HealthAmerica and HealthAssurance
providers, they'll pay lower copayments and deductibles, reduced out-of-pocket
expenses, and they'll have no claim forms.

disability critical

Employers can even mix and match to offer a portfolio that best
suits their employees' health care and financial needs.
"Many working Pennsylvanians, the self employed and single-proprietor
business owners lack access to a health insurance plan they can afford - and
their numbers are growing," noted Dawson.

holder medicare

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.pacificare. Most options are compatible
with a health savings account (HSA) for greater control and affordability., has a 30-year record of providing health
care benefits.

employers equitable

empire equitable

"With HealthAmericaOne, they can
choose from a range of options , so it is easier to find a plan that is
affordable for them. 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.

disability coverage

empire equitable

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