EXHIBIT 10.22

                                 MUTUAL RELEASE

     This MUTUAL  RELEASE is made and entered into as of this 6th day of January
1998 by and between  CAREADVANTAGE,  INC., a Delaware  corporation  ("CAI"): and
MEDECISION, INC., a Delaware corporation ("MDI").

                              W I T N E S S E T H:

     WHEREAS, pursuant to a common stock purchase warrant dated October 31, 1994
(the "CAI Warrant") made by CAI in favor of MDI, CAI granted to MDI the right to
purchase  Three  Hundred  Thousand  (300,000)  shares of CAI's common stock at a
price per share as set forth and determined therein prior to October 31, 1999;

     WHEREAS, pursuant to a common stock purchase warrant dated October 31, 1994
(the "MDI Warrant") made by MDI in favor of CAI, MDI granted to CAI the right to
purchase  Three  Hundred  Thousand  (300,000)  shares of MDI's common stock at a
price per share as set forth and  determined  therein prior to October 31, 1999;
and

     WHEREAS,  each of CAI and MDI  hereby  desire,  as of the date  hereof,  to
cancel  with no  further  force  and  effect:  (i) the CAI  Warrant  and the MDI
Warrant;  (ii) any  preemptive  rights,  antidilution  rights or rights of first
refusal  with  respect to the other  company's  securities;  and (iii) any other
grant or  purported  grant of options or other  interest to  purchase  the other
company's securities.

     NOW,  THEREFORE,  in  consideration of the foregoing and for other good and
valuable  consideration.  the  receipt  and  sufficiency  of  which  are  hereby
acknowledged, the parties hereto hereby agree as follows:

     1.  Release  by  MDI.  MDI,  for  itself,  and  each  of its  predecessors,
successors  and assigns and any person or entity  claiming by,  through or under
it,  including,   without  limitation,   any  officer  or  director,   employee,
consultant, assignee, agent, affiliate,  representative,  attorney, successor or
predecessor  not a party  hereto  (collectively,  the "MDI  Releasors"),  hereby
waives,  releases,  discharges and holds harmless CAI and each of its affiliates
and  subsidiaries,   which,  directly  or  indirectly,  is  controlling  of,  is
controlled  by, or under common  control with,  CAI or any such person (the "CAI
Affiliates")  as  well  as  any  officers,  directors,  shareholders,  partners,
employees, agents, attorneys, advisors,  representatives and trustees of each of
CAI and each CAI Affiliate,  past, present and future, and the heirs, executors,
administrators, legal representatives,  predecessors,  successors and assigns of
each of the foregoing (collectively,  the "CAI 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,


<PAGE>

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 "MDI Claims"),  that the MDI Releasors have had, may
have  now,  or may  have  in the  future,  by  reason  of any  matter  or  cause
whatsoever,  against the CAI  Releasees,  which the MDI Releasors  have had, may
have now or may have  against the CAI  Releasees,  which in any way relate to or
arise  out of any  warrants  issued by CAI or any  grant or  purported  grant of
options or other interests in CAI's securities by the CAI Releasees,  including,
without  limitation,  any MDI Claims the MDI Releasors had, now have or may have
against the CAI Releasees which arise out of, including, without limitation, any
amendments thereto, the CAI Warrant.

     MDI  acknowledges  that it has had the opportunity to ask questions of, and
receive  answers  from,  officers of CAI regarding CAI and has had access to any
and all materials and information pertaining to CAI and the CAI Affiliates.

     2.  Release  by  CAI.  CAI,  for  itself,  and  each  of its  predecessors,
successors  and assigns and any person or entity  claiming by,  through or under
it,  including,   without  limitation,   any  officer  or  director,   employee,
consultant, assignee, agent, affiliate,  representative,  attorney, successor or
predecessor  not a party  hereto  (collectively,  the "CAI  Releasors"),  hereby
waives,  releases,  discharges and holds harmless MDI and each of its affiliates
and  subsidiaries,   which,  directly  or  indirectly,  is  controlling  of,  is
controlled  by, or under common  control with,  MDI or any such person (the "MDI
Affiliates")  as  well  as  any  officers,  directors,  shareholders,  partners,
employees, agents, attorneys, advisors,  representatives and trustees of each of
MDI and each MDI Affiliate,  past, present and future, and the heirs, executors,
administrators, legal representatives,  predecessors,  successors and assigns of
each of the foregoing (collectively,  the "MDI 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 "CAI  Claims"),
that the CAI  Releasors  have had,  may have now, or may have in the future,  by
reason of any matter or cause whatsoever,  against the MDI Releasees,  which the
CAI  Releasors  have had,  may have now or may have  against the MDI  Releasees,
which in any way  relate  to or arise out of any  warrants  issued by MDI or any
grant or purported  grant of options or other  interests in MDI's  securities by
the  MDI  Releasees,  including,  without  limitation,  any CAI  Claims  the CAI
Releasors  had, now have or may have against the MDI  Releasees  which arise out
of, including, without limitation, any amendments thereto, the MDI Warrant.

     CAI  acknowledges  that it has had the opportunity to ask questions of, and
receive  answers  from,  officers of MDI regarding CAI and has had access to any
and all materials and information pertaining to MDI and the MDI Affiliates.


                                       2

<PAGE>

     3.  Successors and Assigns.  This Mutual Release shall inure to the benefit
of, and be binding upon,  the  respective  successors and assigns of the parties
hereto.

     4.  Governing Law. This Mutual Release shall be governed by the laws of the
State of Delaware,  without  giving effect to the principles of conflicts of law
thereof.

     5.  Counterparts.  This  Mutual  Release  may be  executed  in one or  more
counterparts,  each of which shall for all  purposes be deemed to be an original
and all of which shall constitute the same instrument.

     IN WITNESS  WHEREOF,  each of the parties  hereto has executed  this Mutual
Release,  or caused this Mutual Release to be executed on its behalf,  as of the
date first above written.

                                              CAREADVANTAGE, INC.

                                              By: /s/Thomas P. Riley
                                                  ------------------------------
                                                  Name:  Thomas P. Riley
                                                  Title: President and Chief
                                                         Executive Officer

                                              MEDECISION, INC.

                                              By: /s/David St. Clair
                                                  ------------------------------
                                                  Name: David St. Clair
                                                  Title: Chief Executive Officer


                                       3