**Federal Employees Health Benefits Program Open Season Information for
Employees**

The information provided in this document are end of year changes, plans
dropping out, and plan terminations. Employees in these plans must
enroll in new plans during open season if they are to continue insurance
coverage in 2004.

Employees in terminating plans or in terminating codes must choose a new
health plan during open season. Coverage under an enrollee=s new health
plan will be effective the first day of the pay period beginning on or
after January 1, 2004; for most employees this will be January 11, 2004.
Enrollees will remain covered and receive benefits under the old plan
until coverage under the new plan becomes effective.

Visit [www.opm.gov/insure/health]{.underline} and you will find a link
directly to the health plan changes for 2004.

Visit [www.opm.gov/insure]{.underline} for the most up to date
information. These pages are updated on a regular basis throughout the
open season.

**Table 1**

**PLANS DROPPING OUT OF THE FEHB PROGRAM FOR 2004**

**Enrollees in these plans who do not change health plans during open
season will not have health benefits for 2004.**

  ------------------------- --------------------------------- ------------
  **State**                 **Plan Name**                     **Code**

  California                Cigna HealthCare of California    9T

  Florida                   AvMed Health Plan of (North       EM
                            Florida)                          

  Michigan                  The Wellness Plan                 K3

  Pennsylvania              Healthguard of Lancaster          NQ

  Pennsylvania              Health Net of Pennsylvania        2K

  Tennessee                 Health Spring                     6K

  Washington                PacifiCare of Washington          WB

  Wisconsin                 Group Health Cooperative of Eau   WT
                            Claire                            

  Nationwide                Alliance Health Benefit Plan      1R
  ------------------------- --------------------------------- ------------

**Table 2**

**PLANS REDUCING THEIR SERVICE AREAS BY TERMINATING AN ENROLLMENT CODE**

**Enrollees in these enrollment codes who do not change health plans
during open season will not have health benefits for 2004.**

  -------------------- -------------------------------- ------------------
  **State**            **Plan Name**                    **Code
                                                        Terminated**

  Michigan             Bluecare Network of Michigan     G7
  -------------------- -------------------------------- ------------------

**TABLE 3**

**PLANS REDUCING THEIR SERVICE AREAS WITHOUT TERMINATING AN ENROLLMENT
CODE**

**Enrollees in the area being dropped who do not change health plans
during open season will have to travel to their plan=s remaining service
area to obtain medical care in order to receive full benefits from the
plan in 2004.**

+-----------+----------------------+-----+----------------------------+
| **State** | **Plan Name**        | **  | **Area Dropped**           |
|           |                      | Cod |                            |
|           |                      | e** |                            |
+-----------+----------------------+-----+----------------------------+
| C         | Aetna Health, Inc    | 2X  | [Partial                   |
| alifornia |                      |     | County]{.underline}:       |
|           |                      |     | Riverside County - Town of |
|           |                      |     | Moreno Valley              |
+-----------+----------------------+-----+----------------------------+
| C         | Health Net of        | LB  | [Entire                    |
| alifornia | California           |     | County]{.underline}: San   |
|           |                      |     | Luis Obispo County         |
+-----------+----------------------+-----+----------------------------+
| Indiana   | Advantage Health     | 6Y  | [Entire                    |
|           | Plans, Inc.          |     | County]{.underline}:       |
|           |                      |     | Delaware County            |
+-----------+----------------------+-----+----------------------------+
| Maryland  | Aetna Health, Inc    | JN  | [Entire                    |
|           |                      |     | County]{.underline}:       |
|           |                      |     | Worcester County           |
+-----------+----------------------+-----+----------------------------+
| Michigan  | M-Care               | EG  | [Entire                    |
|           |                      |     | Counties]{.underline}:     |
|           |                      |     | Clinton, Eaton, and        |
|           |                      |     | Shiawassee                 |
|           |                      |     |                            |
|           |                      |     | [Greater Portions          |
|           |                      |     | of]{.underline}: Ingham    |
|           |                      |     | and Jackson Counties       |
+-----------+----------------------+-----+----------------------------+
| Tennessee | Aetna Health, Inc.   | 6J  | [Entire                    |
|           |                      |     | Counties]{.underline}:     |
|           |                      |     | Hickman, Humphreys,        |
|           |                      |     | Lawrence, Lincoln,         |
|           |                      |     | Marshall, Maury, Perry,    |
|           |                      |     | and Wayne                  |
+-----------+----------------------+-----+----------------------------+

**TABLE 4**

**NEW PLANS ENTERING THE PROGRAM FOR 2004**

+----------+--------------------+-----+-------------------------------+
| *        | **Plan Name**      | **  | **General Location**          |
| *State** |                    | Cod |                               |
|          |                    | e** |                               |
+----------+--------------------+-----+-------------------------------+
| Arizona  | Humana             | DB  | [City:]{.underline} Phoenix   |
|          | CoverageFirst      |     |                               |
|          |                    |     | [Entire County]{.underline}:  |
|          | (Consumer Driven   |     | Maricopa County               |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| Ca       | Aetna Health Fund  | 22  | [Cities:]{.underline} Los     |
| ilfornia |                    |     | Angeles, Sacramento, San      |
|          | (Consumer Driven   |     | Diego, and San Francisco      |
|          | Plan)              |     |                               |
|          |                    |     | [Entire                       |
|          |                    |     | Counties]{.underline}:        |
|          |                    |     | Alameda, Amador, Contra       |
|          |                    |     | Costa, El Dorado, Fresno,     |
|          |                    |     | Kern, Kings, Los Angeles,     |
|          |                    |     | Madera, Marin, Merced,        |
|          |                    |     | Monterey, Napa, Nevada,       |
|          |                    |     | Orange, Placer, Riverside,    |
|          |                    |     | Sacramento, San Bernardino,   |
|          |                    |     | San Diego, San Francisco, San |
|          |                    |     | Joaquin, San Luis Obispo,     |
|          |                    |     | Santa Barbara, Santa Clara,   |
|          |                    |     | Santa Cruz Solano, Sonoma,    |
|          |                    |     | Stanislaus, Sutter, Tulare,   |
|          |                    |     | Tuolumne, Ventura, Yolo, and  |
|          |                    |     | Yuba                          |
+----------+--------------------+-----+-------------------------------+
| Con      | Aetna Health Fund  | 22  | All of Connecticut            |
| necticut |                    |     |                               |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| DC       | Aetna Health Fund  | 22  | Washington, DC                |
|          |                    |     |                               |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| Florida  | Humana             | MQ  | [City]{.underline}:           |
|          | CoverageFirst      |     | Jacksonville                  |
|          |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan)              |     | Counties]{.underline}:        |
|          |                    |     | Alachua, Baker, Bradford,     |
|          |                    |     | Clay, Columbia, Duval,        |
|          |                    |     | Nassau, Putnam, St. John=s,   |
|          |                    |     | and Union.                    |
+----------+--------------------+-----+-------------------------------+
| Florida  | Humana             | MJ  | [City:]{.underline} Tampa     |
|          | CoverageFirst      |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}:        |
|          | Plan)              |     | Citurs, Hernando,             |
|          |                    |     | Hillsborough, Manatee, Pasco, |
|          |                    |     | Pinellas, Polk, and Sarasota. |
+----------+--------------------+-----+-------------------------------+
| Florida  | Human              | QP  | South Florida                 |
|          | CoverageFirst      |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}:        |
|          | Plan)              |     | Broward, Dade, Indian River,  |
|          |                    |     | Martin, Okeechobee, Plan      |
|          |                    |     | Beach, and St. Lucie          |
+----------+--------------------+-----+-------------------------------+
| Georgia  | Aetna Health Fund  | 22  | [City:]{.underline} Atlanta   |
|          |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan)              |     | Counties]{.underline}:        |
|          |                    |     | Barrow, Bartow, Butts,        |
|          |                    |     | Chattooga, Cherokee, Clarke,  |
|          |                    |     | Clayton, Cobb, Coweta,        |
|          |                    |     | Dawson, DeKalb, Douglas,      |
|          |                    |     | Fayette, Floyd, Forsyth,      |
|          |                    |     | Fulton, Gordon, Gwinnett,     |
|          |                    |     | Hall, Haralson, Henry         |
|          |                    |     | Jackson, Jasper, Lamar,       |
|          |                    |     | Madison, Newton, Oconee,      |
|          |                    |     | Oglethorpe, Paulding,         |
|          |                    |     | Pickens, Pike, Polk,          |
|          |                    |     | Rockdale, Spalding, and       |
|          |                    |     | Walton                        |
|          |                    |     |                               |
|          |                    |     | [Partial                      |
|          |                    |     | Counties]{.underline}: Banks  |
|          |                    |     | County - Town of Commerce     |
|          |                    |     |                               |
|          |                    |     | Carroll County - Towns of     |
|          |                    |     | Bowdon, Bowdon Junction,      |
|          |                    |     | Carollton, Mount Zion,        |
|          |                    |     | Roopville, Temple, Villa      |
|          |                    |     | Rica, and Whitesburg          |
+----------+--------------------+-----+-------------------------------+
| Illinois | Aetna Health Fund  | 22  | [City:]{.underline} Chicago   |
|          |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan)              |     | Counties]{.underline}: Cook,  |
|          |                    |     | DuPage, Kane, Kankakee, Lake, |
|          |                    |     | McHenry, and Will             |
|          |                    |     |                               |
|          |                    |     | [Partial                      |
|          |                    |     | Counties]{.underline}: Ford   |
|          |                    |     | County - Towns of Cabery,     |
|          |                    |     | Kempton, and Piper City       |
|          |                    |     |                               |
|          |                    |     | Iroquois County - towns of    |
|          |                    |     | Ashkum, Beaverville,          |
|          |                    |     | Chebanse, Clifton, Crescent   |
|          |                    |     | City, Danforth, Donovan,      |
|          |                    |     | Gilman, Iroquois, Martinton,  |
|          |                    |     | Onarga, Papineau, Sheldon,    |
|          |                    |     | Watseka, and Woodland         |
+----------+--------------------+-----+-------------------------------+
| Illinois | Humana             | MW  | [City]{.underline}: Chicago   |
|          | CoverageFirst      |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}: Cook,  |
|          | Plan)              |     | DuPage, Kane, Kankakee,       |
|          |                    |     | Kendall, Lake, McHenry, and   |
|          |                    |     | Will                          |
+----------+--------------------+-----+-------------------------------+
| Indiana  | Aetna Health Fund  | 22  | [Entire                       |
|          |                    |     | Counties]{.underline}: Lake   |
|          | (Consumer Driven   |     | and Porter                    |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| Indiana  | Humana             | MW  | [Entire                       |
|          | CoverageFirst      |     | Counties]{.underline}: Lake,  |
|          |                    |     | LaPorte, and Porter           |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| Indiana  | Humana             | BM  | [Entire                       |
|          | CoverageFirst      |     | Counties]{.underline}: Clark, |
|          |                    |     | Floyd, Harrison, Jefferson,   |
|          | (Consumer Driven   |     | Scott, and Washington         |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| Kansas   | Humana             | PH  | [City]{.underline}: Kansas    |
|          | CoverageFirst      |     | City                          |
|          |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan)              |     | Counties]{.underline}:        |
|          |                    |     | Johnson, Leavenworth, Miami,  |
|          |                    |     | and Wyandotte                 |
+----------+--------------------+-----+-------------------------------+
| Kentucky | Humana             | BM  | [City]{.underline}:           |
|          | CoverageFirst      |     | Louisville                    |
|          |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan)              |     | Counties]{.underline}: Allen, |
|          |                    |     | Barren, Breckinridge,         |
|          |                    |     | Bullitt, butler, Carroll,     |
|          |                    |     | Daviess, Edmonson, Grayson,   |
|          |                    |     | Green, Hancock, Hardin, Hart, |
|          |                    |     | Henry, Jefferson, Larue,      |
|          |                    |     | Logan, Marion, Meade,         |
|          |                    |     | Metcalfe, Monroe, Nelson,     |
|          |                    |     | Oldham, Shelby, Simpson,      |
|          |                    |     | Spencer, Taylor, Trimble,     |
|          |                    |     | Warren, and Washington        |
+----------+--------------------+-----+-------------------------------+
| Kentucky | Humana             | L8  | Entire Counties: Boone,       |
|          | CoverageFirst      |     | Campbell, Gallatin, Grant,    |
|          |                    |     | Kenton, and Pendleton         |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| Maryland | Aetna Health Fund  | 22  | All of Maryland               |
|          |                    |     |                               |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| Missouri | Humana Coverage    | PH  | [Entire                       |
|          | First              |     | Counties]{.underline}: Bates, |
|          |                    |     | Carroll, Cass, Clay, Henry,   |
|          | (Consumer Driven   |     | Jackson, Johnson, Lafayette,  |
|          | Plan)              |     | Platte, and Ray               |
+----------+--------------------+-----+-------------------------------+
| New      | Aetna Health Fund  | 22  | All of New Jersey             |
| Jersey   |                    |     |                               |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     |                               |
+----------+--------------------+-----+-------------------------------+
| New York | Aetna Health Fund  | 22  | [City]{.underline}: New York  |
|          |                    |     | City                          |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     | [Entire                       |
|          |                    |     | Counties]{.underline}: Bronx, |
|          |                    |     | Dutchess, Kings, Nassau, New  |
|          |                    |     | York, Orange, Putnam, Queens, |
|          |                    |     | Richmond, Rockland, Suffolk,  |
|          |                    |     | Sullivan, Ulster, and         |
|          |                    |     | Westchester                   |
+----------+--------------------+-----+-------------------------------+
| Ohio     | HomeTown Health    | MZ  | [Cities]{.underline}: Akron,  |
|          | Plan               |     | Canton, and Massillon         |
|          |                    |     |                               |
|          |                    |     | [Entire                       |
|          |                    |     | Counties]{.underline}:        |
|          |                    |     | Portage, Medina and Stark     |
|          |                    |     |                               |
|          |                    |     | [Partial                      |
|          |                    |     | Counties]{.underline}:        |
|          |                    |     | Ashland, Carroll, Columbiana, |
|          |                    |     | Coshocton, Cuyahoga, Geauga,  |
|          |                    |     | Guernsey, Harrison, Holmes,   |
|          |                    |     | Knox, Lorain, Mahoning,       |
|          |                    |     | Muskingum, Richland, Summit,  |
|          |                    |     | Trumbull, Tuscarawas, and     |
|          |                    |     | Wayne                         |
+----------+--------------------+-----+-------------------------------+
| Ohio     | Humana             | L8  | [City:]{.underline}           |
|          | CoverageFirst      |     | Cincinnati                    |
|          |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan)              |     | Counties]{.underline}: Adams, |
|          |                    |     | Brown, Butler, Champaign,     |
|          |                    |     | Clark, Clermont, Clinton,     |
|          |                    |     | Greene, Hamilton, Miami,      |
|          |                    |     | Montgomery, Preble, and       |
|          |                    |     | Warren                        |
+----------+--------------------+-----+-------------------------------+
| Penn     | Aetna Health Fund  | 22  | [City]{.underline}:           |
| sylvania |                    |     | Philadelphia                  |
|          | (Consumer Driven   |     |                               |
|          | Plan)              |     | [Entire                       |
|          |                    |     | Counties]{.underline}: Berks, |
|          |                    |     | Bucks, Chester, Delaware,     |
|          |                    |     | Monroe, and Montgomery        |
+----------+--------------------+-----+-------------------------------+
| T        | Humana             | L6  | [City]{.underline}: Memphis   |
| ennessee | CoverageFirst      |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}: Dyer,  |
|          | Plan)              |     | Fayette, Gibson, Haywood,     |
|          |                    |     | Lauderdale, Shelby, and       |
|          |                    |     | Tipton                        |
+----------+--------------------+-----+-------------------------------+
| Texas    | Humana             | TV  | [City]{.underline}: Austin    |
|          | CoverageFirst      |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}:        |
|          | Plan)              |     | Bastrop, Bell, Bosque,        |
|          |                    |     | Burleson, Burnet, Caldwell,   |
|          |                    |     | Coryell, Falls, Hamilton,     |
|          |                    |     | Hays, Lampasas, Lee,          |
|          |                    |     | Limestone, McLennan, Milam,   |
|          |                    |     | Robertson, Travis, and        |
|          |                    |     | Williamson                    |
+----------+--------------------+-----+-------------------------------+
| Texas    | Humana             | TP  | [City]{.underline}: Corpus    |
|          | CoverageFirst      |     | Christi                       |
|          |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan)              |     | Counties]{.underline}: Bee,   |
|          |                    |     | Brooks, Cameron, DeWitt,      |
|          |                    |     | Duval, Goliad, Hidalgo, Jim   |
|          |                    |     | Hogg, Jim Wells, Kenedy,      |
|          |                    |     | Kleberg, Live Oak, Nueces,    |
|          |                    |     | Refugio, San Patricio, Starr, |
|          |                    |     | Victoria, Willacy, and Zapata |
+----------+--------------------+-----+-------------------------------+
| Texas    | Humana             | T8  | [City]{.underline}: Dallas    |
|          | CoverageFirst      |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}: Collin |
|          | Plan)              |     | Cooke, Dallas, Denton, Ellis, |
|          |                    |     | Grayson, Hill, Hood, Hunt,    |
|          |                    |     | Johnson, Kaufman, Navarro,    |
|          |                    |     | Parker, Rockwall, Somervell,  |
|          |                    |     | Tarrant, and Wise             |
+----------+--------------------+-----+-------------------------------+
| Texas    | Humana             | T2  | [City:]{.underline} Houston   |
|          | CoverageFirst      |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}:        |
|          | Plan)              |     | Austin, Brazoria, Chambers,   |
|          |                    |     | Colorado, Fayette, Fort Bend, |
|          |                    |     | Galveston, Grimes, Hardin,    |
|          |                    |     | Harris, Jefferson, Liberty,   |
|          |                    |     | Madison, Montgomery, Orange,  |
|          |                    |     | Waller, Washington and        |
|          |                    |     | Wharton                       |
+----------+--------------------+-----+-------------------------------+
| Texas    | Humana             | TU  | City: San Antonio             |
|          | CoverageFirst      |     |                               |
|          |                    |     | Entire Counties: Atascosa,    |
|          | (Consumer Driven   |     | Bandera, Bexar, Blanco,       |
|          | Plan)              |     | Comal, Frio, Gonzales,        |
|          |                    |     | Guadalupe, Karnes, Kendall,   |
|          |                    |     | Medina, Uvalde, Webb, and     |
|          |                    |     | Wilson                        |
+----------+--------------------+-----+-------------------------------+
| Virginia | Aetna Health Fund  | 22  | [Cities]{.underline}:         |
|          |                    |     | Alexandria, Charlottesville,  |
|          | (Consumer Driven   |     | Colonial Heights, Fairfax,    |
|          | Plan)              |     | Falls church, Fredericksburg, |
|          |                    |     | Hopewell, Manassas, Manassas  |
|          |                    |     | Park, Petersburg, Richmond,   |
|          |                    |     | and Winchester                |
|          |                    |     |                               |
|          |                    |     | [Entire                       |
|          |                    |     | Counties]{.underline}:        |
|          |                    |     | Albemarle, Amelia, Arlington, |
|          |                    |     | Caroline, Charles City,       |
|          |                    |     | Charlotte, Chesterfield,      |
|          |                    |     | Cumberland, Dinwiddie,        |
|          |                    |     | Fairfax, Fauquier, Fluvanna,  |
|          |                    |     | Goochland, Hanover, Henrico,  |
|          |                    |     | King George, King William,    |
|          |                    |     | Lunenburg, Nelson, New Kent,  |
|          |                    |     | Nottoway, Powhatan, Prince    |
|          |                    |     | Edward, Prince George, Prince |
|          |                    |     | William, Spotsylvania,        |
|          |                    |     | Stafford, and Westmoreland    |
|          |                    |     |                               |
|          |                    |     | [Partial County]{.underline}: |
|          |                    |     | Buckingham County - Towns of  |
|          |                    |     | Arvonia, Buckingham, Dillwyn, |
|          |                    |     | and New Canton                |
+----------+--------------------+-----+-------------------------------+
| Wa       | Aetna Health Fund  | 22  | [City]{.underline}: Seattle   |
| shington |                    |     |                               |
|          | (Consumer Driven   |     | [Entire                       |
|          | Plan               |     | Counties]{.underline}:        |
|          |                    |     | Clallam, Cowlitz, Grays       |
|          |                    |     | Harbor, Island, Jefferson,    |
|          |                    |     | King Kitsap, Lewis, Mason,    |
|          |                    |     | Pacific, Pierce, San Juan,    |
|          |                    |     | Skagit, Snohomish, Thurston,  |
|          |                    |     | and Whatcom                   |
+----------+--------------------+-----+-------------------------------+
| W        | Human Coverage     | FB  | [City:]{.underline} Milwaukee |
| isconsin | First              |     |                               |
|          |                    |     | [Entire                       |
|          | (Consumer Driven   |     | Counties]{.underline}: Dodge, |
|          | Plan)              |     | Fond du Lac, Green,           |
|          |                    |     | Jefferson, Kenosha,           |
|          |                    |     | Manitowoc, Milwaukee,         |
|          |                    |     | Ozaukee, Racine, Rock,        |
|          |                    |     | Sheboygan, Walworth,          |
|          |                    |     | Washington, and Waukesha      |
+----------+--------------------+-----+-------------------------------+

**TABLE 5**

**SERVICE AREA EXPANSIONS WITH NEW ENROLLMENT CODES**

**Enrollees in these plans must make an enrollment change to the new
code for their service area or elect another health plan during the open
season.**

+-----------+------------------+---------+----------------------------+
| **State** | **Plan Name**    | **New   | **General Location**       |
|           |                  | Code**  |                            |
+-----------+------------------+---------+----------------------------+
| Nevada    | Aetna Health,    | Y1      | [City]{.underline}: Las    |
|           | Inc              |         | Vegas                      |
|           |                  |         |                            |
|           |                  |         | [Entire                    |
|           |                  |         | County]{.underline}: Clark |
|           |                  |         | County                     |
|           |                  |         |                            |
|           |                  |         | [Partial                   |
|           |                  |         | County]{.underline}: Nye   |
|           |                  |         | County - Town of Pahrump   |
+-----------+------------------+---------+----------------------------+
| Oklahoma  | Aetna Health,    | SL      | [Cities]{.underline}:      |
|           | Inc              |         | Oklahoma City and Tulsa    |
|           |                  |         |                            |
|           |                  |         | [Entire                    |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Cleveland, Oklahoma,       |
|           |                  |         | Pottawatomie, Rogers, and  |
|           |                  |         | Tulsa                      |
|           |                  |         |                            |
|           |                  |         | [Partial                   |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Canadian County - Towns    |
|           |                  |         | of: Concho, El Reno,       |
|           |                  |         | Mustang, Piedmont, Union   |
|           |                  |         | City, and Yukon            |
|           |                  |         |                            |
|           |                  |         | Grady County - Towns of:   |
|           |                  |         | Amber, Minco, and Tuttle   |
|           |                  |         |                            |
|           |                  |         | **Lincoln County** - Towns |
|           |                  |         | of: Fallis, Jacktown,      |
|           |                  |         | Meeker, Midway, Payson,    |
|           |                  |         | Sparks, and Wellston       |
|           |                  |         |                            |
|           |                  |         | **Logan County** - towns   |
|           |                  |         | of: Cedar Valley, Coyle,   |
|           |                  |         | guthrie, Meridian,         |
|           |                  |         | Mullhall, Navina, and      |
|           |                  |         | Seward                     |
|           |                  |         |                            |
|           |                  |         | **McClain County** - Towns |
|           |                  |         | of: Blanchard, Byars,      |
|           |                  |         | Cole, Criner, Dibble,      |
|           |                  |         | Goldsby, Newcastle,        |
|           |                  |         | Purcell, Rosedale, and     |
|           |                  |         | Washington                 |
|           |                  |         |                            |
|           |                  |         | **Creek County** - Towns   |
|           |                  |         | of: Kellyville, Kiefer,    |
|           |                  |         | Mounds, and Sapulpa        |
|           |                  |         |                            |
|           |                  |         | **Osage County** - towns   |
|           |                  |         | of: Osage, Prue, and       |
|           |                  |         | Skiatook                   |
|           |                  |         |                            |
|           |                  |         | **Wagoner County** - Towns |
|           |                  |         | of: Choska, Coweta, Fair   |
|           |                  |         | Oaks, New Tulsa, and Oneta |
+-----------+------------------+---------+----------------------------+
| Pen       | Aetna Health,    | YE      | [City]{.underline}:        |
| nsylvania | Inc.             |         | Pittsburgh                 |
|           |                  |         |                            |
|           |                  |         | [Entire                    |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Allegheny, Armstrong,      |
|           |                  |         | Beaver, Vlair, Butler,     |
|           |                  |         | Cambria, Clarion, Fayette, |
|           |                  |         | Greene, Lawrence,          |
|           |                  |         | Somerset, Washington, and  |
|           |                  |         | Westmoreland               |
+-----------+------------------+---------+----------------------------+
| Pen       | HealthAmerica    | VJ      | [Entire                    |
| nsylvania |                  |         | Counties]{.underline}:     |
|           |                  |         | Cameron, Elk, Jefferson,   |
|           |                  |         | and McKean                 |
+-----------+------------------+---------+----------------------------+
| Pen       | HealthAmerica    | 4N      | [Entire                    |
| nsylvania |                  |         | Counties]{.underline}:     |
|           |                  |         | Carbon, Lackawanna,        |
|           |                  |         | Monroe, Pike, Susquehanna, |
|           |                  |         | Wayne, and Wyoming         |
+-----------+------------------+---------+----------------------------+
| Texas     | Aetna Health,    | P1      | [Cities:]{.underline}      |
|           | Inc              |         | Austin and San Antonio     |
|           |                  |         |                            |
|           |                  |         | [Entire                    |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Atascosa, Bexar, Medina,   |
|           |                  |         | Travis, Williamson, and    |
|           |                  |         | Wilson                     |
|           |                  |         |                            |
|           |                  |         | [Partial                   |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         |                            |
|           |                  |         | **Bastrop County** - Town  |
|           |                  |         | of Bastrop                 |
|           |                  |         |                            |
|           |                  |         | **Hays County** - Towns    |
|           |                  |         | of: Buda, Driftwood,       |
|           |                  |         | Dripping springs, Kyle,    |
|           |                  |         | San Marcos, and Wimberley  |
|           |                  |         |                            |
|           |                  |         | **Comal County**: towns of |
|           |                  |         | Bulverde, Canyon Lake, New |
|           |                  |         | Braunfels, and Spring      |
|           |                  |         | Branch                     |
|           |                  |         |                            |
|           |                  |         | **Gaudalupe County** -     |
|           |                  |         | Towns of: Cibolo Geronimo, |
|           |                  |         | Marion, McQueeney,         |
|           |                  |         | Schertz, Sequin, and       |
|           |                  |         | Staples                    |
|           |                  |         |                            |
|           |                  |         | **Kendall County** - Towns |
|           |                  |         | of: Boerne and Waring      |
+-----------+------------------+---------+----------------------------+
| Texas     | Aetna Health,    | PU      | [Cities]{.underline}:      |
|           | Inc              |         | Dallas, Fort Worth and     |
|           |                  |         | Houston                    |
|           |                  |         |                            |
|           |                  |         | [Entire                    |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Austin Brazoria, Chambers, |
|           |                  |         | Collin, Colorado, Cooke    |
|           |                  |         | Dallas, Delta, Denton,     |
|           |                  |         | Ellis Erath, Fannin, fort  |
|           |                  |         | Bend, Galveston, Grayson,  |
|           |                  |         | Grimes, Hardin, Harris,    |
|           |                  |         | Hood, Hopkins, Hunt,       |
|           |                  |         | Jefferson, Johnson,        |
|           |                  |         | Kaufman, Liberty,          |
|           |                  |         | Matagorda, Montgonery,     |
|           |                  |         | Navarro, Orange, Palo      |
|           |                  |         | Pinto, Parker, Rains,      |
|           |                  |         | Rockwall, San Jacinto,     |
|           |                  |         | Somervell, Tarrant,        |
|           |                  |         | Walker, Waller, Wharton,   |
|           |                  |         | and Wise                   |
|           |                  |         |                            |
|           |                  |         | [Partial                   |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         |                            |
|           |                  |         | **Henderson County** -     |
|           |                  |         | Town of: Mabank            |
|           |                  |         |                            |
|           |                  |         | **Hill County** - Towns    |
|           |                  |         | of: Covington and Itasca   |
|           |                  |         |                            |
|           |                  |         | **Van Zandt County** -     |
|           |                  |         | Towns of: Canton Edgewood, |
|           |                  |         | Fruitvale, Grand Saline,   |
|           |                  |         | and Wills Point            |
+-----------+------------------+---------+----------------------------+

**TABLE 6**

**SERVICE AREA EXPANSIONS WITHOUT NEW ENROLLMENT CODES**

+-----------+------------------+---------+----------------------------+
| **State** | **Plan Name**    | *       | **General Location of New  |
|           |                  | *Code** | Area**                     |
+-----------+------------------+---------+----------------------------+
| Alabama   | HealthSpring of  | DF      | [Entire                    |
|           | Alabama, Inc.    |         | Counties]{.underline}:     |
|           |                  |         | Etowah, Fayette, Lawrence, |
|           |                  |         | Madison, Marshall, Morgan, |
|           |                  |         | Pickens and Tuscaloosa     |
+-----------+------------------+---------+----------------------------+
| C         | Aetna Health,    | 2X      | [City]{.underline}: San    |
| alifornia | Inc.             |         | Diego                      |
|           |                  |         |                            |
|           |                  |         | [Entire                    |
|           |                  |         | Counties]{.underline}: San |
|           |                  |         | Diego and San Luis Obispo  |
+-----------+------------------+---------+----------------------------+
| Illinois  | Health Alliance  | FX      | [Entire                    |
|           | HMO              |         | Counties]{.underline}:     |
|           |                  |         | Bureau, Carroll, Lee,      |
|           |                  |         | Ogle, Peoria, Tazewell,    |
|           |                  |         | Whiteside, and Woodford    |
+-----------+------------------+---------+----------------------------+
| Illinois  | Personal Care    | GE      | [Entire                    |
|           |                  |         | County]{.underline}: Will  |
|           |                  |         | County                     |
+-----------+------------------+---------+----------------------------+
| Iowa      | Coventry Health  | SV      | Entire Counties: Adair,    |
|           | Care of Iowa,    |         | Wayne, Butler, Carroll,    |
|           | Inc.             |         | and Greene                 |
+-----------+------------------+---------+----------------------------+
| Iowa      | Sioux Valley     | AU      | [The Northwest Iowa        |
|           | Health Plan      |         | Counties]{.underline}:     |
|           |                  |         | Clay, Dickenson, Emmet,    |
|           |                  |         | Lyon, O=Brien, Osceola and |
|           |                  |         | Sioux                      |
+-----------+------------------+---------+----------------------------+
| Iowa      | Health Alliance  | FX      | [Entire                    |
|           | HMO              |         | Counties]{.underline}:     |
|           |                  |         | Dallas, Jasper and Polk    |
+-----------+------------------+---------+----------------------------+
| Kansas    | Coventry of      | 7W      | [Entire                    |
|           | Kansas           |         | Counties]{.underline}:     |
|           |                  |         | Lyon and Montgomery        |
+-----------+------------------+---------+----------------------------+
| Kansas    | Coventry of      | HA      | [Entire                    |
|           | Kansas           |         | Counties]{.underline}:     |
|           |                  |         | Allen, Bourbon, Crawford,  |
|           |                  |         | Cherokee, Labette, and     |
|           |                  |         | Neosho                     |
+-----------+------------------+---------+----------------------------+
| Louisiana | Vantage Health   | MV      | [Parishes of]{.underline}: |
|           | Plan, Inc.       |         | Shreveport/Alexandria      |
|           |                  |         | Area, Claiborne, and       |
|           |                  |         | Natchitoches               |
+-----------+------------------+---------+----------------------------+
| Minnesota | Health Partners  | 53      | [Entire                    |
|           | Classic          |         | Counties]{.underline}:     |
|           |                  |         | Anoka, Benton, Carver,     |
|           |                  |         | Chicago, Dakota, Dodge,    |
|           |                  |         | Fillmore, Goodhue,         |
|           |                  |         | Hennepin, Houston, Isanti, |
|           |                  |         | LeSueur, McLeod, Meeker,   |
|           |                  |         | Mille Lacs, Morrison,      |
|           |                  |         | Olmsted, Ramsey, Rice,     |
|           |                  |         | Scott, Sherburne, Stearns, |
|           |                  |         | Steele, Wabasha,           |
|           |                  |         | Washington, Winona, and    |
|           |                  |         | Wright                     |
|           |                  |         |                            |
|           |                  |         | [Partial                   |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Douglas and Todd           |
+-----------+------------------+---------+----------------------------+
| Minnesota | Avera Health     | AV      | [Entire                    |
|           | Plan, Inc        |         | County]{.underline}:       |
|           |                  |         | Lincoln County             |
+-----------+------------------+---------+----------------------------+
| Montana   | New West Health  | NV      | Kalispell Geographic       |
|           | Plan             |         | Service Area               |
+-----------+------------------+---------+----------------------------+
| New York  | MVP Healthcare   | M9      | [Entire                    |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Cayuga and Oswego          |
+-----------+------------------+---------+----------------------------+
| Oklahoma  | PacificCare of   | 2N      | [Entire                    |
|           | Oklahoma         |         | County]{.underline}: Logan |
|           |                  |         | County                     |
+-----------+------------------+---------+----------------------------+
| Pen       | HealthAmerica    | SW      | [Entire                    |
| nsylvania |                  |         | Counties]{.underline}:     |
|           |                  |         | Clearfield, Lehigh and     |
|           |                  |         | Northampton                |
+-----------+------------------+---------+----------------------------+
| South     | Avera Health     | AV      | [Entire                    |
| Dakota    | Plan, Inc        |         | County]{.underline}: Day   |
|           |                  |         | County                     |
+-----------+------------------+---------+----------------------------+
| Tennessee | Aetna Health,    | 6J      | [Entire                    |
|           | Inc              |         | County]{.underline}:       |
|           |                  |         | Montgomery (Nashville      |
|           |                  |         | area)                      |
+-----------+------------------+---------+----------------------------+
| Virginia  | Aetna Health,    | JN      | [Virginia                  |
|           | Inc              |         | Cities]{.underline}:       |
|           |                  |         | Colonial Heights,          |
|           |                  |         | Hopewell, Petersburg and   |
|           |                  |         | Richmond                   |
|           |                  |         |                            |
|           |                  |         | [Entire                    |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Amelia, Charles City,      |
|           |                  |         | Charlotte, Chesterfield,   |
|           |                  |         | Cumberland, Dinwiddie,     |
|           |                  |         | Goochland, Hanover,        |
|           |                  |         | Henrico, King William,     |
|           |                  |         | Lunenburg, New Kent,       |
|           |                  |         | Nottoway, Powhatan, Prince |
|           |                  |         | Edward, Prince George,     |
|           |                  |         | Surry and Sussex           |
|           |                  |         |                            |
|           |                  |         | [Partial                   |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         |                            |
|           |                  |         | **Buckingham County** -    |
|           |                  |         | Towns of: Arvonia,         |
|           |                  |         | Buckingham, Dillwyn, and   |
|           |                  |         | New Canton                 |
+-----------+------------------+---------+----------------------------+
| Virginia  | MDIPA            | JP      | [Entire                    |
|           |                  |         | Counties]{.underline}:     |
|           |                  |         | Charlotte, Fluvanna,       |
|           |                  |         | Lunenburg, Prince Edward   |
|           |                  |         | and Rockingham             |
|           |                  |         |                            |
|           |                  |         | [City of::]{.underline}    |
|           |                  |         | Harrisonburg               |
+-----------+------------------+---------+----------------------------+
| W         | KPS Health Plan  | VT      | [Entire                    |
| ashington |                  |         | Counties]{.underline}:     |
|           |                  |         | Clark, Cowlitz, Island,    |
|           |                  |         | Lewis, Pacific, San Juan,  |
|           |                  |         | Skagit, Skamania,          |
|           |                  |         | Snohomish, Wahkiakum, and  |
|           |                  |         | Whatcom                    |
+-----------+------------------+---------+----------------------------+
| West      | Health Plan of   | U4      | [Entire                    |
| Virginia  | the Upper Ohio   |         | County]{.underline}:       |
|           | Valley           |         | Randolph County            |
+-----------+------------------+---------+----------------------------+
| Wisconsin | Health Partners  | 53      | [Entire                    |
|           | Classic          |         | Counties]{.underline}:     |
|           |                  |         | Buffalo, Dunn, LaCrosse,   |
|           |                  |         | Pepin, Pierce, Polk, St.   |
|           |                  |         | Croix, and Trempealeau     |
+-----------+------------------+---------+----------------------------+
| Wyoming   | WinHealth        | PV      | [Entire                    |
|           | Partners         |         | Counties]{.underline}:     |
|           |                  |         | Albany, Niobrara, Uinta    |
|           |                  |         | and Lincoln                |
+-----------+------------------+---------+----------------------------+

**TABLE 7**

**PLAN NAME CHANGES**

  ------------ ------------------- ---------- -----------------------------
  State        Plan Name (Old)     Code       Plan Name (New)

  Alabama      The Oath - A Health DF         Health Spring of Alabama,
               Plan of Alabama                Inc.

  California   Health Net          LB         Health Net of California

  Florida      Foundation Health   5E         Vista Healthplan of South
                                              Florida

  Idaho        Group Health        54, VR     Group Health Cooperative
               Cooperative of                 
               Puget Sound                    

  Washington   Group Health        54, VR     Group Health Cooperative
               Cooperative of                 
               Puget Sound                    
  ------------ ------------------- ---------- -----------------------------

**TABLE 8**

**PLANS ADDING A NEW OPTION**

Enrollees who do not choose the Standard Option will automatically be
enrolled in the High Option.

+-------------------+---------------------+---------+-----------------+
| **State**         | **Plan Name**       | *       | **New Option**  |
|                   |                     | *Code** |                 |
+-------------------+---------------------+---------+-----------------+
| Idaho             | Group Health        | 54, VR  | Standard Option |
|                   | Cooperative         |         |                 |
+-------------------+---------------------+---------+-----------------+
| Iowa              | Sioux Valley Health | AU      | Standard Option |
|                   | Plan                |         |                 |
+-------------------+---------------------+---------+-----------------+
| Minnesota         | Health Partners     | 53      | Standard Option |
|                   | Classic Plan        |         |                 |
+-------------------+---------------------+---------+-----------------+
| New York          | GHI Health Plan     | 80      | Standard Option |
| (Burroughs of     |                     |         |                 |
| NYC)              |                     |         |                 |
|                   |                     |         |                 |
| Entire Counties:  |                     |         |                 |
| Nassau, Suffolk,  |                     |         |                 |
| Rockland and      |                     |         |                 |
| Westchester       |                     |         |                 |
+-------------------+---------------------+---------+-----------------+
| Pennsylvania      | Health America      | SW, 26  | Standard Option |
|                   |                     | VJ, 4N  |                 |
+-------------------+---------------------+---------+-----------------+
| South Dakota      | Sioux Valley Health | AU      | Standard Option |
|                   | Plan                |         |                 |
+-------------------+---------------------+---------+-----------------+
| Washington        | Group Health        | 54, VR  | Standard Option |
|                   | Cooperative         |         |                 |
+-------------------+---------------------+---------+-----------------+
| Washington        | KPS Health Plan     | L1      | Standard Option |
|                   | \*\*                |         |                 |
+-------------------+---------------------+---------+-----------------+
| Wisconsin         | Health Partners     | 53      | Standard Option |
|                   | Classic Plan        |         |                 |
+-------------------+---------------------+---------+-----------------+

**\*\* Enrollees in KPS Health Plan who wish to remain in the Standard
Option must enroll in code L1 during open season**.

**TABLE 9**

**PLANS DROPPING OPTION**

**Members will automatically be moved to the new Standard Option
(Self-only or Self and Family coverage), unless they change to another
plan during Open Season.**

  ----------------- ----------------- ----------------- -----------------
  **State**         **Plan Name**     **Code**          **Dropped
                                                        Option**

  Colorado          PacificCare of    D6                High Option
                    Colorado                            
  ----------------- ----------------- ----------------- -----------------

**TABLE 10**

**PLANS WITH NEW CONTRACT NUMBER**

  ------------ ----------------------- ----------------------- -----------
  **State**    **Plan Name**           **New Contract Number** **Code**

  Arizona      PacificCare Desert      2884                    A3
               Region                                          

  Nevada       PacificCare Desert      2884                    K9
               Region                                          

  Oklahoma     PacificCare Southwest   2885                    2N
               Region                                          

  Oregon       PacificCare of Oregon   2886                    7Z

  Texas        PacificCare Southwest   2885                    GF
               Region                                          
  ------------ ----------------------- ----------------------- -----------

**TABLE 11**

**PLANS ADDING A POINT OF SERVICE PRODUCT**

  ----------------- ----------------- ------------ -----------------------
  **State**         **Plan Name**     **Code**     **General Location**

  Washington        KPS Health Plan   L1, VT       All of Western
                                                   Washington
  ----------------- ----------------- ------------ -----------------------

**TABLE 12**

**PLAN MERGERS**

**Enrollees in code RK and live in Gainesville or Tallahassee must make
an enrollment change to the new code for their service area or elect
another health plan during open season. (See Table 14)**

+--------+---------------------+---------+-------------+-------------+
| **S    | **Merging Plans**   | **      | **Surviving | **Surviving |
| tate** |                     | Codes** | Plan**      | Codes**     |
+--------+---------------------+---------+-------------+-------------+
| F      | Healthplan          | RK, 3N  | Vista       | 3N, RK, UL  |
| lorida | Southeast (RK)      |         | Healthplan  | (new), Y9   |
|        |                     |         |             | (new)       |
|        | merged with Vista   |         |             |             |
|        | Healthplan (3N)     |         |             |             |
+--------+---------------------+---------+-------------+-------------+

**TABLE 13**

**CODE MERGERS**

  ----------------- ----------------- ----------------- -----------------
  **State**         **Plan Name**     **Code (2003)**   **Code (2004**

  Louisiana         Vantage Health    MV, AQ            MV
                    Plan                                
  ----------------- ----------------- ----------------- -----------------

**TABLE 14**

**PLANS SPLITTING A SERVICE AREA**

**Enrollees in these plans under the 2003 enrollment code shown below
should check their plan brochure to determine which 2004 code they
should be under.**

  -------------- --------------------------- -------------- ---------------
  **State**      **Plan Name**               **Code         **Code (2004**
                                             (2003)**       

  Florida \*     Vista Healthplan            RK             RK, UL, Y9

  Pennsylvania   HealthAmerica               SW, 26         SW, 26 4N, VJ
  \*\*                                                      
  -------------- --------------------------- -------------- ---------------

\*Healthplan Southeast is now Vista Healthplan. Healthplan Southeast
members should carefully read the borchure for benefit changes. If you
are enrolled in RK1 or RK2 and live in Gainesville or Tallahassee, you
must select a new enrollment code during Open Season even if you choose
to stay with Vista Healthplan. The new enrollment code for Gainesville
is UL and the new enrollment code for Tallahassee is Y9. Your agency
will not automatically transfer you to the new Vista Healthplan
enrollment code for your area. You will pay a higher premium, if you do
not switch to the new enrollment code. (See Table 12)

\*\*HealthAmerica HMO is offering Standard Option coverage for the first
time in 2004. If you were enrolled in this plan during 2003, we can now
call that option the High Option coverage. We have also split our
service area into 4 separate enrollment codes for 2004. Your service
area will determine how much premium you pay. If you do not enroll in
the right service area, you will pay a higher premium. Carefully review
the service area information that appears in Section 1, AFacts About
This HMO Plan@= in your brochure to determine your new enrollment code
for 2004. Your correct enrollment code is based on the county where you
live and whether you want the High Option or Standard Option coverage.
Payroll offices will automatically move all current SW1 and SW2
enrollees to the High Option and higher premium 4N1 and 4N2. If you do
not take any action during Open Season, you will pay the higher premium
rate. If you are in SW1 or SW2, you should carefully review your
enrollment options and make an Open Season selection. Enrollees who are
currently in 261 or 262 and should be in VJ1 or VJ2 for 2004 must make a
change during Open Season or pay the higher premium.