Document:

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                                                                 Exhibit 10.24.1

                                AMENDMENT NO. 1
                                      TO
                        RIGHTCHOICE MANAGED CARE, INC.
         FEBRUARY 1, 1998 AMENDED AND RESTATED NON-EMPLOYEE DIRECTORS'
                    NONQUALIFIED DEFERRED COMPENSATION PLAN

     WHEREAS, RightCHOICE Managed Care, Inc., (hereinafter called "the
RightCHOICE"), established in July 1994, the RightCHOICE Managed Care, Inc. Non-
Employee Directors' Nonqualified Deferred Compensation Plan (hereinafter called
"Plan") which Plan has been amended and restated on several occasions, the most
recent of which was effective as of February 1, 1998; and

     WHEREAS, RightCHOICE desires to amend said Plan effective as of September
27, 1999;

     NOW, THEREFORE, RightCHOICE does hereby amend the Plan effective as of
September 27, 1999, so that it will read as follows:

                                      I.

     Paragraph (d) of Section II of the Adoption Agreement for the Plan is
deleted in its entirety and the following is substituted in lieu thereof:

     (d)  Change of Control:

          The following will apply in lieu of the definition in Section 1.7 of
          the Basic Program Document.

          [X]  Execution of an agreement providing for a "change in ownership"
               of RightCHOICE, a "change in the effective control" of
               RightCHOICE, or a "change in the ownership of a substantial
               portion of the assets" of RightCHOICE, as such terms are defined
               in the Proposed Regulations under Code Section 280G.
<PAGE>

                                      II.

     Paragraph (f) of Section II of the Adoption Agreement for the Plan is
deleted in its entirety and the following is substituted in lieu thereof:

     "(f) Distributable Event

          Paragraph 6.2 of the Basic Program Document is modified as follows:

          [X]  A "Change of Control" will not constitute a Distributable Event.

          [X]  A "Distributable Event" will include a date specified by a
               Participant in an election in effect on or before January 1,
               1999."

                                     III.

     Section 10.2 of the Plan is deleted in its entirety and the following is
substituted in lieu thereof:

     "10.2 Termination  Although the Company has established this Program with a
     bona fide intention and expectation to maintain the Program indefinitely,
     the Company may terminate or discontinue the Program in whole or in part on
     the earlier of the date on which there is a Change of Control, or as of the
     first business day in the Program Year following the date on which the
     Company elects to terminate the Program. Termination of the Program must be
     approved by 2/3 of the members of the Board of Directors. Upon Program
     termination, no further Deferrals or Company contributions shall be made
     except that the Company shall be responsible to pay any benefit
     attributable to Deferrals and Company contributions accrued as of the day
     preceding the effective date of termination plus investment earnings and
     less investment losses, taxes and expenses chargeable to the Participant's
     account up to the date benefits are distributed. The Administrator shall
     make distribution of the Participant's benefit as soon as practicable but
     no later than seven (7) days after the effective date of the termination of
     the Plan.

     IN WITNESS WHEREOF, RightCHOICE has caused this Amendment No.1 to be
executed by its duly authorized officer this 25/th/ day of October, 1999.

                              RIGHTCHOICE MANAGED CARE, INC.

                              By:  /s/ John A. O'Rourke
                                 -----------------------------
                                   John A. O'Rourke
                                   President and CEO

                                       2<PAGE>

                                                                 EXHIBIT 10.45.1

                                FIRST AMENDMENT
                                      TO
                             EMPLOYMENT AGREEMENT

      THIS FIRST AMENDMENT TO EMPLOYMENT AGREEMENT (the "First Amendment") is
made and entered into as of the 28/th/ day of December, 1999, by and between
RIGHTCHOICE MANAGED CARE, INC., a Missouri corporation (hereinafter
"RightCHOICE") and JOHN A. O'ROURKE (hereinafter "O'ROURKE").

      WHEREAS, RightCHOICE and O'ROURKE are parties to that certain Employment
Contract dated February 27, 1997 (the "Employment Agreement"); and

      WHEREAS, the parties desire to amend certain provisions of the Employment
Agreement, effective as of December 6, 1999;

      NOW, THEREFORE, in consideration of the premises and the mutual covenants
herein contained, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties do hereby agree to
amend the Employment Agreement, effective as of December 6, 1999, as follows:

                                      I.

      The second paragraph of Section 5.3.A is hereby deleted in its entirety
and the following is substituted in lieu thereof:

           "In the event that O'ROURKE becomes entitled to Severance Benefits,
     subject to Sections 5.3(B), 5.3(C), 5.3(D) and 5.3(H)(ii) hereof,
     RightCHOICE will: (i) pay to O'ROURKE an amount equal to three (3) times
     O'ROURKE's annual base salary in effect immediately prior to such
     Involuntary Termination or termination for Good Reason, payable in thirty-
     six (36) substantially equal monthly installments commencing as soon as
     practicable following the Date of Termination; (ii) pay to O'ROURKE for
     thirty-six (36) months starting on the Date of Termination an amount equal
     to the portion of the monthly premiums (to the extent such premiums are
     due) for O'ROURKE's health, dental, vision, and life insurance that is
     equivalent to the portion of the monthly premium for such coverage that
     RightCHOICE pays on behalf of senior executives employed by RightCHOICE
     during such thirty-six month period; and (iii) pay for outplacement
<PAGE>

     services for O'ROURKE of the type customarily provided by RightCHOICE to
     senior executives at the time of such Involuntary Termination or
     termination for Good Reason."

                                      II.

     The following new Section 8.8 is hereby added after Section 8.7 of the
Employment Agreement:

     "8.8.  Legal Expenses.
            --------------

            RightCHOICE shall reimburse O'ROURKE for all reasonable legal and
     other fees and expenses incurred to secure, preserve or establish
     entitlement to benefits under this Employment Agreement. RightCHOICE shall
     reimburse O'ROURKE for such fees and expenses on a monthly basis within ten
     (10) days after O'ROURKE's request for reimbursement accompanied by
     evidence that the fees and expenses were incurred. RightCHOICE's
     reimbursement shall include a tax gross-up payment in respect of the
     federal, state and local taxes incurred by O'ROURKE with respect to the
     reimbursement of fees and expenses received under this Section 8.8."

     IN WITNESS WHEREOF, the parties have executed this First Amendment this
28/th/ day of December, 1999.

                              RIGHTCHOICE MANAGED CARE, INC.

                              By:  /s/ Norman J. Tice
                                 -----------------------------
                                   Norman J. Tice, Director

                              O'ROURKE

                              /s/ John A. O'Rourke
                              --------------------------------
                                  John A. O'Rourke

                                       2<PAGE>

                                Exhibit 10.52.1

List of Senior Vice Presidents who have executed executive severance agreements:

Angela F. Braly               Senior VP/General Counsel/Corp. Secr.
Stuart K. Campbell            Senior VP, Client Services
Michael Fulk                  Senior VP, Sales and Marketing
Herb Schneiderman             Senior VP, Medical Delivery Systems
John J. Seidenfeld, MD        Senior VP & Chief Medical Officer
Richard Smith                 Senior VP, Diversified Life Insurance Co.
Edward J. Tenholder           Senior VP, BCBSMo Chief Operating Officer
Connie L. Van Fleet           Senior VP, Chief Information Officer
Sandra A. Van Trease          Senior Vp, Chief Operating Officer, Chief
                              Financial Officer
Kathleen M. Zorica            Senior VP, Business Analysis & Product Development<PAGE>

                                EXHIBIT 10.52.2

                                AMENDMENT NO. 1
                                      TO
                         EXECUTIVE SEVERANCE AGREEMENT

     WHEREAS, RightCHOICE Managed Care, Inc. ("Company") and _______________
("Executive") entered into an Executive Severance Agreement, dated January 1,
1998 (the "Agreement"); and

     WHEREAS, the Compensation Committee of Company's Board of Directors, having
been advised of the competitiveness of existing severance and change in control
practices of Company, believes that the Agreement should be amended to provide
additional protections to Executive in the event that a Change in Control
occurs; and

     WHEREAS, Company and Executive desire to amend the Agreement, effective as
of December 6, 1999, to provide additional protections to Executive in the event
of a Change in Control;

     NOW, THEREFORE, Company and Executive do hereby amend the Agreement,
effective as of December 6, 1999, so that it will read as follows:

                                      I.

     Section 3(B) is hereby deleted in its entirety and the following is
substituted in lieu thereof:

     "B.  Executive Severance Benefits. Subject to Sections 3(C), 3(D), 3(E) and
          ----------------------------
     4(D)(ii) hereof, in the event of Executive's Involuntary Termination or
     Good Reason Termination, Company shall pay for outplacement services for
     Executive of the type customarily provided by Company to senior executives
     at the time of Executive's Involuntary Termination or Good Reason
     Termination and shall pay executive an amount equal to the greater of:

          (i)  two (2) times Executive's Annual Compensation; or

          (ii) an amount equal to:

               (a)  three (3) times Executive's Base Pay plus,

               (b)  for a period of thirty (30) months starting on the Date
                    Termination, an amount equal to the portion of the premiums
                    (to the extent such premiums are due) for Executive's
                    health, dental, vision and life insurance that is equivalent
                    to the portion of the premiums for such coverages that
                    Company pays on behalf of similarly situated executives
                    employed by Company during such thirty (30) month period.

     Such Executive Severance Benefits will commence as soon as practicable
     following the Date of Termination, and will be paid in twenty-four (24)
     substantially equal monthly
<PAGE>

     installments, in the case of Executive Severance Benefits under Section
     3(B)(i) above, or in thirty-six (36) monthly installments, in the case of
     Executive Severance Benefits under Section 3(B)(ii) above, with the first
     thirty (30) such installments equaling 1/36th of the amount determined
     under Section 3(B)(ii)(a) plus 1/30th of the amount determined under
     Section 3(B)(ii)(b) above and the remaining such installments equaling
     1/36th of the amount determined under Section 3(B)(ii)(a). Company's
     obligation to pay the amounts specified in Section 3(B)(ii)(b) above shall
     be reduced by any and all amounts Company pays toward Executive's health,
     dental, vision and life insurance with respect to periods after the Date of
     Termination."

                                      II.

     The following new paragraph N. is hereby added after paragraph M. of
Section 6 of the Agreement:

     "N.  Legal Expenses. Company shall reimburse Executive for all reasonable
          --------------
     legal and other fees and expenses incurred to secure, preserve or establish
     entitlement to severance benefits under this Agreement. Company shall
     reimburse Executive for such fees and expenses on a monthly basis within
     ten (10) days after Executive's request for reimbursement accompanied by
     evidence that the fees and expenses were incurred. Company's reimbursement
     shall include a tax gross-up payment in respect of the federal, state and
     local taxes incurred by Executive with respect to the reimbursement of fees
     and expenses received under this Section 6(N)."

                                       2
<PAGE>

     IN WITNESS WHEREOF, Company and Executive have caused this Amendment No. 1
to be executed this ____ day of ___________, ______.

                              RIGHTCHOICE MANAGED CARE, INC.

                              By:________________________________________
                                   John A. O'Rourke
                                   President and Chief Executive Officer

                                   ______________________________________

List of Executives who have executed Amendment No. 1 to the Executive Severance
Agreement:

Angela F. Braly                    Senior VP/General Counsel/Corp. Secr.
Stuart K. Campbell                 Senior VP, Client Services
Michael Fulk                       Senior VP, Sales and Marketing
Herb Schneiderman                  Senior VP, Medical Delivery Systems
John J. Seidenfeld, MD             Senior VP & Chief Medical Officer
Richard Smith                      Senior VP, Diversified Life Insurance Co.
Connie L. Van Fleet                Senior VP, Chief Information Officer
Sandra A. Van Trease               Senior VP, Chief Operating Officer,
                                   Chief Financial Officer
Kathleen M. Zorica                 Senior VP, Business Analysis & Product
                                   Management

                                       3

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