GROUP HEALTH INSURANCE

GROUP MEDICAL COVERAGE WITH AS LITTLE AS TWO EMPLOYEES.

TEN REASONS To Choose UnitedHealthcare

10 FINANCIAL STABILITY, STRENGTH AND DEMONSTRATED MARKET COMMITMENT.
UnitedHealth Group is listed #63 on Fortune magazine's annual list of the 500 largest U.S. corporations based on 2002 revenues. We were ranked #3 on the 2003 Business Week 50, the annual listing of the nation's best-performing large public corporations.

9 WORLD CLASS CUSTOMER SERVICE.
Recent upgrades to the technology in our service centers, along with improvements in operations have increased the quality of service we provide our customers. These initiatives help to provide fast and efficient service to our customers. The new service model does not reduce the human touch, but rather allows more breadth, depth, and consistency of responses.

8 BROAD NETWORKS.
UnitedHealthcare's philosophy is to offer a broad network of high quality, cost effective physicians and health care providers. We have more than 20,000 physicians and 204 hospitals in our Texas network.

7 TOOLS TO MAKE GOOD HEALTH CARE DECISIONS.
With our consumer Web site, myuhc.com, employees have their own personalized Web site where they can find the latest health information, check claims payment status, and choose a new network physician.

6 PRODUCTS THAT KEEP HEALTH CARE ACCESSIBLE TO SMALL BUSINESSES.
UnitedHealthcare offers you the latest solutions in benefit program design, flexibility and efficiency. Our full range of products includes traditional HMOs, PPOs and Open Access plans,as well as Dual Option packages and Cost Sharing plans. We also offer specialty service including Dental, Vision, and Life for both single-site and multi-site customers.

5 HELPING KEEP EMPLOYEES HEALTHY.
UnitedHealthcare works to improve the health and well being of those with chronic conditions, such as asthma and diabetes, through education, outreach and lifestyle counseling

4 A UNIQUE APPROACH TO HEALTH CARE COVERAGE.
Our Care Coordination program keeps medical decision-making where it belongs - between doctors and their patients.

3 WE PUT PEOPLE FIRST.
For too many years, the health care industry has created policies and procedures according to what works for them. UnitedHealthcare is based on turning that around and asking "What works for you?"

2 WE ENCOURAGE EMPLOYEES TO TAKE CONTROL OF THEIR OWN WELL-BEING.
We offer programs that improve the health and well-being of employees. With 24-hour access to experienced registered nurses, counselors, attorneys, and financial advisors, employees have a team of people to help answer almost any question. This helps improve employee satisfaction, retention and productivity.

1 WE OFFER YOU A STREAMLINED WAY OF DOING BUSINESS.
With UnitedHealthcare's eServices, you can manage benefit programs with Web-based technology that supports enrollment, billing, eligibility inquiry and update, and electronic bill presentment.

=> For more information, contact Gae Callaway!