Exhibit 21



|Subsidiaries                                               | State of Organization | Name under which Subsidiary does Business (1)                                              
|---------------------------------------------------------- | --------------------- | -------------------------------------------------------------------------------------------
|Altius Health Administrators Inc. (TPA)                    | Utah                  |                                                                                            
|                                                           |                       |                                                                                            
|Altius Health Plans Inc. (TPA)                             | Utah                  | (UT) Altius                                                                                
|                                                           |                       |                                                                                            
|American Life and Health Insurance Company                 | Missouri              |                                                                                            
|                                                           |                       |                                                                                            
|Cambridge Life Insurance Company                           | Missouri              |                                                                                            
|                                                           |                       |                                                                                            
|Carelink Health Plans, Inc. (HMO)                          | West Virginia         |                                                                                            
|                                                           |                       |                                                                                            
|CCN Managed Care, Inc.                                     | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|CHC Casualty Risk Retention Group, Inc. (Reinsurance)      | Vermont               |                                                                                            
|                                                           |                       |                                                                                            
|Claims Administration Corp.                                | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Financial Management Services, Inc.               | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Health and Life Insurance Company (Indemnity)     | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Health Care Investment Corporation                | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Healthcare Management Corporation                 | Delaware              | (OH) CHC Management Corporation
(MO) Coventry Healthcare Management Corporation of Missouri
|                                                           |                       |                                                                                            
|Coventry Health Care of Delaware, Inc. (HMO)               | Delaware              | (NJ) Coventry Health Care of New Jersey                                                    
|                                                           |                       |                                                                                            
|Coventry Health Care of Georgia, Inc. (HMO)                | Georgia               |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Health Care of Iowa, Inc. (HMO)                   | Iowa                  |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Health Care of Kansas, Inc. (HMO)                 | Kansas                |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Health Care of Louisiana, Inc. (HMO)              | Louisiana             |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Health Care of Nebraska, Inc. (HMO)               | Nebraska              |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Health Care of Pennsylvania, Inc. (HMO)           | Pennsylvania          |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Management Services, Inc. (CSO, IS and employees) | Pennsylvania          |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Prescription Management Services, Inc.            | Nevada                |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Services Corporation                              | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|Coventry Transplant Network, Inc.                          | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|FHC, Inc.                                                  | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|First Health Group Corp.                                   | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|First Health Insurance Services, Inc.                      | Illinois              |                                                                                            
|                                                           |                       |                                                                                            
|First Health Life & Health Insurance Company               | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|First Health Plus Managed Care Services, Inc.              | California            |                                                                                            
|                                                           |                       |                                                                                            
|First Health Priority Services, Inc.                       | Delaware              |                                                                                            
|                                                           |                       |                                                                                            
|First Health Services Corporation                          | Virginia              |                                                                                            
|                                                           |                       |                                                                                            
|First Health Services of Florida, Inc.                     | Delaware              |                                                                                            
|                                                           |                       |                                                                                            







|First Health Services of Montana, Inc.                                                                                             | Delaware       |                                       
|---------------------------------------------------------------------------------------------------------------------------------- | -------------- | --------------------------------------
|                                                                                                                                   |                |                                       
|First Health Services of North Carolina, Inc.                                                                                      | Delaware       |                                       
|                                                                                                                                   |                |                                       
|First Health Services of Tennessee, Inc.                                                                                           | Tennessee      |                                       
|                                                                                                                                   |                |                                       
|First Health Strategies, Inc.                                                                                                      | Delaware       |                                       
|                                                                                                                                   |                |                                       
|Group Health Plan, Inc.                                                                                                            | Missouri       |                                       
|                                                                                                                                   |                |                                       
|Health Care Management, Inc.                                                                                                       | Delaware       |                                       
|                                                                                                                                   |                |                                       
|HealthAmerica Pennsylvania, Inc. (HMO)                                                                                             | Pennsylvania   |                                       
|                                                                                                                                   |                |                                       
|HealthAssurance Financial Services, Inc.                                                                                           | Delaware       |                                       
|                                                                                                                                   |                |                                       
|HealthAssurance Pennsylvania, Inc. (RANLI PPO)(Formerly Health PASS, Inc.)                                                         | Pennsylvania   |                                       
|                                                                                                                                   |                |                                       
|HealthCare USA of Missouri, LLC (Medicaid HMO)                                                                                     | Missouri       |                                       
|                                                                                                                                   |                |                                       
|HealthCare Value Management, Inc.                                                                                                  | Massachusetts  |                                       
|                                                                                                                                   |                |                                       
|OmniCare Health Plan, Inc. (Medicaid HMO)                                                                                          | Michigan       |                                       
|                                                                                                                                   |                |                                       
|PersonalCare Health Management, Inc.                                                                                               | Illinois       |                                       
|                                                                                                                                   |                |                                       
|PersonalCare Insurance of Illinois, Inc. (HMO)                                                                                     | Illinois       |                                       
|                                                                                                                                   |                |                                       
|PPO Oklahoma, Inc.                                                                                                                 | Oklahoma       |                                       
|                                                                                                                                   |                |                                       
|Southern Health Services, Inc. (HMO)                                                                                               | Virginia       | (VA) Coventry Healthcare
(VA) Coventry
|                                                                                                                                   |                |                                       
|SouthCare HMO, Inc.                                                                                                                | Georgia        |                                       
|                                                                                                                                   |                |                                       
|SouthCare PPO, Inc.                                                                                                                | Missouri       |                                       
|                                                                                                                                   |                |                                       
|WellPath Preferred Services, Inc. (TPA)                                                                                            | North Carolina |                                       
|                                                                                                                                   |                |                                       
|WellPath Select, Inc.                                                                                                              | North Carolina |                                       
|                                                                                                                                   |                |                                       
|(1) Unless otherwise noted, each Subsidiary only does business under its legal name as set forth under the heading Subsidiaries.