"We applaud Congress for taking this
historical step forward to modernize the Medicare program, and we are taking
action to make health care coverage more affordable and accessible by
expanding our Medicare Advantage product offering into regions such as
Louisiana. Cyrca's experience and expertise
in care management ensure appropriate levels of care at the most reasonable
expense available to patients.

This category lists sites offering information about the managed care industry.

cost finder

"AmeriHealth is currently the only insurance company offering such a plan, and
it is our hope that thousands of New Jersey residents who are currently unable
to afford health insurance will explore this more affordable option.
AmeriHealth New Jersey has built credentialed hospital and physician networks
for its managed care products, with thousands of physicians and more than
100 hospitals throughout its service areas.
"Excellent" is the highest accreditation awarded by NCQA, an independent, not-
for-profit organization dedicated to measuring the quality of America's health
care.
Cyrca, a leading provider of highly
specialized care management for organ transplants, announced today the
development of a strategic partnership with Health Net of Arizona Inc. Health Net's
subsidiaries also offer managed health care products related to behavioral
health and prescription drugs, and offer managed health care product
coordination for multi-region employers and administrative services for
medical groups and self-funded benefits programs.

insurance huge

"Humana intends to offer a Medicare Advantage regional PPO in up to 14 of
the nation's 26 regions," said George Renaudin, president of Senior Products
for Humana in Louisiana and Mississippi.

managed hmos

care hospitals

The Preferred Plan has rates as low as $190.
Beginning will have access to a new type of Medicare health plan known as
regional preferred provider organizations (PPOs). is one of the largest health
benefit plans in the New Orleans market and the third largest in the state of
Louisiana.

medicare 50

medicaid request

"
The Preferred Plan is available to singles , parent-child/children, couples
and families.

Under the newly signed agreement, Cyrca will provide third party peer
review for Health Net of Arizona's organ and stem cell transplant patients
in Arizona.

Cyrca is dedicated to offering cutting edge medical information on
transplantation issues as well as the management of transplant care for
clients and patients throughout the U. Cyrca provides its clients expertise combined with
convenience, access to acceptable security, competitive pricing, excellent
information/reporting, as well as stability and service., please visit the company 's Web site at www.

guidelines medicaid

Enrollment in the
Preferred Plan has already begun and is expected to grow rapidly . Rates are based on the subscriber's age and gender. Members
who select the Preferred Plan will have access to a wide network of doctors
and hospitals, prescription drug coverage and in-patient and out-patient
hospitalization coverage.S.

Health Net, Inc.3 million
individuals in 27 states and the District of Columbia through group,
individual, Medicare, Medicaid and TRICARE programs .

interested finder

"

AmeriHealth HMO, Inc., is one of the nation's
largest publicly traded health benefits companies, with approximately
7 million medical members. Today, the company is a leader in consumer
engagement, providing guidance that leads to lower costs and a better health
plan experience throughout its diversified customer portfolio.

For more information visit Cyrca at www.

care cost

Up until
recently , Medicare beneficiaries in Louisiana had little, if any, health care
insurance options other that traditional Medicare or Medicare supplemental
insurance (MediGap policies).
Over its 44-year history, Humana has consistently seized opportunities to
meet changing customer needs. Cyrca
services include: reinsurance of transplant risk; 24/7 access to medical
support; access to a staff of MDs , all specialists in transplant care;
access to a network of transplant providers (all Medicare certified , the
Gold standard) and a claims adjudication process that goes well beyond
simple claims payment .

hmos managed

comparisons medicare

"This is comprehensive coverage at an affordable price," says Haggett. is among the nation's largest publicly traded managed
health care companies. The company's HMO, POS, insured PPO and government
contracts subsidiaries provide health benefits to approximately 7.

medicaid managing

"We're pleased to offer our IHC Preferred Plan as part of our efforts to
provide affordable, accessible health coverage to the many individuals in New
Jersey who are looking for coverage at a reasonable rate," said William F. Humana offers a diversified portfolio of health
insurance products and related services -- through traditional and consumer-
choice plans -- to employer groups, government-sponsored plans, and
individuals .com.

guidelines comparisons

Haggett, President + CEO of AmeriHealth New Jersey. The MMA has enabled Humana to reduce out -of-pocket costs for
Medicare beneficiaries and enhance benefits, particularly the prescription
drug benefit which previously may not have been available to many
beneficiaries living in rural areas . "This alliance will not only expand Cyrca's portfolio of
leading managed care, but more importantly , will allow Health Net of
Arizona to access third party reviewers for potential investigational or
experimental organ or cell transplants," said Mark Johnson, President and
CEO of Cyrca.
Cyrca was formed to focus on the design, implementation, and operation of
customized programs delivering cost savings to its clients (HMOs, provider
groups, and government agencies).

insurance zip

and AmeriHealth Insurance Company of New Jersey
("AmeriHealth New Jersey") provide health care coverage to 280,000 members .

About Humana
Humana Inc.

PRESS RELEASE Cyrca Signs Strategic Agreement With Health Net of Arizona Inc. to Provide Optimal Coverage for Arizona Organ Transplant Patients

cyrcahealth . These include management of the risk and care for
organ and tissue transplants and catastrophic case management.

hmos comparisons

Humana Health Benefit Plan of Louisiana Inc., headquartered in Louisville, Ky .com,
including copies of:
- Annual report to stockholders;
- Securities and Exchange Commission filings;
- Most recent investor conference presentation;
- Quarterly earnings press releases;
- Audio archive of most recent earnings release conference call;
- Calendar of events (includes upcoming earnings conference call dates,
times, and access number, as well as planned interaction with
institutional investors);
- Corporate Governance Information.

hospitals coverage

ISELIN, N.healthnet.

interested cost

Regional PPOs differ from
an HMO in that there is no referral necessary to see a physician or specialist
of choice.
Humana Health Benefit Plan of Louisiana , Inc. Differing itself from other firms
choosing to offer certain specialized medical programs as an ancillary line
of business, Cyrca is solely dedicated to offering tailored catastrophic
products and services.

medicaid request

coverage cities

is the only health plan in
Louisiana to be awarded the Excellent Accreditation from NCQA twice in a row.

organized hmo

AmeriHealth Offers New Low-Rate Plan for Individuals

"The Preferred Plan is
just one of our many efforts to help the uninsured by offering more affordable
plans that cover more services. Beneficiaries in Louisiana will have access to health plans that feature
prescription drug benefits and low out-of-pockets, alternative to Medicare
supplement

NEW ORLEANS, Medicare beneficiaries in rural
America will soon have more than one option for health care coverage thanks to
the passing of the Medicare Modernization Act (MMA) in 2003.

coverage parties

J .

huge parties

These plans also differs from traditional Medicare in that they
feature a prescription drug benefit, and are designed specifically by The
Centers for Medicare + Medicaid Services to ensure that Medicare beneficiaries
living in all areas of the country have ready access to affordable,
comprehensive health care -- especially those who live in underserved rural
areas."

About Humana Health Benefit Plan of Louisiana, Inc.

More information regarding Humana is available to investors via the
Investor Relations page of the company's web site at http://www.

cost care

humana.com

About Cyrca

Cyrca is a leading developer of specialized medical insurance programs.

huge coverage

, AmeriHealth New Jersey is the first
plan in the state to offer individuals a new Individual Health Coverage (IHC)
plan, with low rates, AmeriHealth IHC Preferred Plan.00 per month and coverage
under the plan will be available effective May 1, 2005.

Medicare Modernization Act Promises Significant Enhancements in Health Plan Coverage Options for Medicare Beneficiaries in 2006

, a
subsidiary of one of the Nation's largest managed health care companies,
Health Net, Inc.

Health Net, Inc. For more information on
Health Net, Inc.

insurance guidelines

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