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MEDICAL PORTFOLIO

Anthem Blue Cross Blue Shield

- Traditional High Quality HMO, Point of Service and Preferred Provider plans
- CT Employer Groups only
- HRA and HSA plans available - Consumer Driven Plans
- Outstanding NCQA Ratings
- Superior CT Physicians and Hospitals
- National Blue Cross PPO Access

Oxford Health Plans - A United Health Plans Company

- CT/NY Metropolitan Area HMO, POS and PPO Products
- HRA plans available. HSA available 4/1/05 1-50 lives
- HSA 50+ Lives - available Jan 2005
- National Provider Access through merge with United Health Plans
- Great NCQA ratings
- Superior Physician and Hospital Network in Tri-State Area
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Value Benefits (Mini-medical Plans)

- Mini-medical plans are limited benefit health insurance plans for groups as small as 5 enrolled employees
- Specifically designed for the increasing population of uninsured and underinsured employees: part- time, temporary and high turnover workers that are not generally provided health insurance through their employer
- No deductibles and no waiting periods.