EXHIBIT 10.30

                             SETTLEMENT AND RELEASE

      SETTLEMENT  AND RELEASE  dated January 13, 1998 made by JOHN J. PETILLO in
favor of CAREADVANTAGE,  INC., a Delaware corporation (the "Company"),  and each
of  its  affiliates  and  subsidiaries,   which,  directly  or  indirectly,   is
controlling  of, is controlled  by, or under common control with, the Company or
any such person (the  "Affiliates")  as well as the  Releasees  (as such term is
hereinafter defined).

      FOR GOOD AND VALUABLE CONSIDERATION,  the receipt and sufficiency of which
are hereby acknowledged,  Petillo, for himself and each of his heirs, executors,
administrators,  successors and assigns (collectively, the "Releasors"),  hereby
waives,  releases,  discharges  and holds  harmless  the Company and each of the
Affiliates  and any  officers,  directors,  shareholders,  partners,  employees,
agents, attorneys, advisors, representatives and trustees of each of the Company
and  each  Affiliate,  past,  present  and  future,  and the  heirs,  executors,
administrators, legal representatives,  predecessors,  successors and assigns of
each of the foregoing (collectively,  the "Releasees"),  of and from any and all
claims, actions, causes of actions, suits, debts, demands,  damages,  judgments,
executions,  costs,  expenses,  liabilities,   duties,  sums  of  money,  bills,
accounts,  reckonings,  bonds, securities,  rights,  indemnities,  exonerations,
covenants, contracts,  controversies,  agreements,  promises, doings, omissions,
losses,  exposures  and  obligations  of any kind  whatsoever,  whether known or
unknown,  whether  in law or  equity  (collectively,  the  "Claims"),  that  the
Releasors  have had,  may have now, or may have in the future,  by reason of any
matter or cause whatsoever, against the Releasees, which the Releasors have had,
may have now or may have against the  Releasees,  which in any way relate to any
agreement  or  contract  entered  into by any of the  Releasors  with any of the
Releasees  or in  which  in any way  relate  from  the  date  Petillo  commenced
employment at the Company,  or entered into any other association,  relationship
or dealing with, the Releasors,  to the date hereof, or which relate to or arise
out of any  grant or  purported  grant of  options  or  other  interests  in the
Company's securities by the Releasees, including, without limitation, any Claims
the Releasors  had, now have or may have against the  Releasees  which arise out
of,  including,  without  limitation,  any amendments  thereto:  (i) resolutions
adopted by the Board of Directors of the Company by  unanimous  written  consent
dated  January 5, 1995;  (ii) the  Nonqualified  Stock  Option  Agreement  dated
December  14,  1994 by and  between  the  Company  and  Petillo;  and  (iii) the
Registration  Rights  Agreement dated as of December 14, 1994 by and between the
Company and Petillo.

      Petillo  acknowledges  that he has had the opportunity to ask questions of
and receive  answers from officers of the Company  regarding the Company and has
had access to any and all materials and information pertaining to the Company.

      IN WITNESS  WHEREOF,  Petillo has signed this Settlement and Release as of
the date first above written.

                                                 /s/ John J. Petillo
                                                 -------------------------------
                                                     John J. Petillo

<PAGE>

                                 ACKNOWLEDGEMENT

State of New Jersey       )
                          )
County of Essex           )

      On this13th day of January,  1998 personally  appeared before me, a Notary
Public, in and for the above-mentioned  county, John J. Petillo, to me known and
to me to be the person who executed the foregoing  document and who acknowledged
to me that he executed the same on behalf of himself.

                                                 /s/ Catherine E. Hall
                                                 -------------------------------
                                                     Notary Public