"
M-CARE is headquartered in Ann Arbor, Mich.

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HealthLeaders-InterStudy. ANN ARBOR, Mich .
Members will have access to M-CARE's networks of high-quality health care
providers as well as web-based tools to support their decision-making process.

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M-CARE Introduces Consumer-Directed Health Care Plan

M-CARE has more than 5,000 physicians and many of Michigan's top hospitals
in its commercial HMO network. "The plan allows members to
exercise more choice in deciding the services they receive and to take control
of their health care., and has more than 200,000
members and contracts with 1,500 employer groups.

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NASHVILLE, Tenn.
The high-deductible health plan is offered in conjunction with a health
savings account (HSA) and provides security against catastrophic medical
costs.

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"Despite the merger, United and PacifiCare still face formidable
competition in Colorado," said Don Mooradian, HealthLeaders-InterStudy
analyst.
Employer coalitions like the Colorado Business Group on Health don't see
any benefit in consolidation. "We are proud to join with M-CARE to deliver a full-
service solution to members in Southeastern Michigan.

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"
UnitedHealthcare agreed to a number of conditions placed on the merger by
state officials, including no pass-through of merger costs to Colorado
consumers via higher premiums, the appointment of an ombudsman to resolve
issues with physicians, and a promise to invest in rural healthcare.

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Regardless of any possible efficiency gains,
they do not foresee any reduction in the premiums they pay for their
employees.

Doctors and other medical professionals offer care through the HMO for a flat monthly rate.

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Colorado is a new report for Health
Plan Analysis.

With a PPO, care is paid for as it is received.

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, HealthLeaders -InterStudy, a
leading provider of managed care industry intelligence, finds that
UnitedHealth Group's recent acquisition of PacifiCare makes it the largest
insurer in Colorado. National insurers like Aetna and CIGNA HealthCare are also pouring
resources into the state.

About HealthLeaders -InterStudy
HealthLeaders-InterStudy, a company of Decision Resources, Inc. The organization has
thousands of physicians and many of Michigan's top hospitals in its provider
networks.

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(http://www. For more information, please visit
http://www.

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About Health Plan Analysis
Health Plan Analysis identifies key health plan trends, allowing
healthcare businesses to create comprehensive strategic plans and sales
strategies at state and local levels.com), is the authoritative source for managed
care data and analysis. M-CARE's new plan includes "first dollar " coverage for preventive
services such as well-child visits, immunizations, physical examinations , and
mammograms.

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managed firstcare

All company, brand, or product names contained in this document may be
trademarks or registered trademarks of their respective holders.com

Its PPO members have access to PPOM's provider
network, which is the largest independent health care network in the Midwest
and includes more than 12,000 doctors and 30 hospitals in Southeastern
Michigan.

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DecisionResources .

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Other health plan news in Colorado:
All but one Colorado HMO showed a profit through the first half of 2005,
though overall net income was down from the previous six month period, largely
due to a significant drop in Kaiser Foundation Health Plan of Colorado's net
income.

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According to Colorado Health Plan Analysis, a new
HealthLeaders-InterStudy report covering the state, the combined company has
about 800,000 members, or 27 percent of the state's health insurance market.com. Effective
May 1, this new plan will be available in fully insured HMO and PPO versions.

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Employers Concerned About Consolidation of Colorado Health Plans According to HealthLeaders-InterStudy

" With the new plan, M-CARE offers a complete health
care solution in Southeastern Michigan, giving employers the best options for
their employees from a number of products.

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"Anthem Blue Cross and Blue Shield, owned by the nation's largest
insurer, WellPoint, and Kaiser Permanente, the California-based nonprofit
known for its integrated health systems, are both strong, profitable
companies.

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CIGNA HealthCare is expanding its clinical management program and health
coaching capabilities through its CareAllies division. With HSAs, employees, employers, or both deposit money into a
tax-free account for employees to use for current health care needs, such as
office visits and prescriptions, and to save for future medical expenses.
"HSAs represent a powerful new approach for addressing spiraling health care
costs ," says Brad Engel, Mellon Health and Welfare Product Leader and National
HSA Product Leader.

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"We believe this new plan is going be popular with both employer groups
and members because of the flexibility it offers," says Lynn Rust Henderson,
M-CARE's director of business development.

Mellon Financial Corporation is a leading provider in health savings
accounts (HSAs), offering a complete range of services for health plans and
employers and interest-bearing, FDIC-insured accounts for individuals.

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For more information, contact:

Alex Jablokow
Decision Resources
781-296-2562
ajablokow@dresources.
M-CARE has signed a letter of intent to form an HSA alliance with Mellon
Financial Corporation's Human Resources + Investor Solutions (HR+IS) business.
Mellon's growing list of HSA alliance and administration agreements currently
reach 130 million potential participants.

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Anthem Blue Cross and Blue Shield has rolled out Tonik, a plan aimed at
young uninsured adults.
Money invested in the account can be rolled over from year to year and move
with the employee if he or she changes jobs.

A form of health insurance combining a range of coverages, usually on a group basis.

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, M-CARE, the nonprofit health
plan owned by the University of Michigan, is adding a high-deductible
consumer-directed health care plan to its portfolio of products. M-CARE, which offers a variety of managed care products, holds an
Excellent Accreditation from the National Committee for Quality Assurance
(NCQA) for its Commercial and Medicaid HMO health plans.

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