Document:

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                                                                  EXHIBIT 10.5

                           MEDICAL SERVICES CONTRACT

                        FLORIDA HEALTHY KIDS CORPORATION

                                       AND

                                   HEALTHEASE

                                       FOR

             CITRUS, DUVAL, ESCAMBIA, HIGHLANDS, MARTIN, PUTNAM AND
                                WAKULLA COUNTIES

                                       AND

                        WELLCARE HMO/STAYWELL HEALTH PLAN

                                       FOR

            BROWARD, MIAMI-DADE, HERNANDO, HILLSBOROUGH, LEE, ORANGE,
                OSCEOLA, PALM BEACH, PINELLAS, SEMINOLE COUNTIES

                      OCTOBER 1, 2003 - SEPTEMBER 30, 2005

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

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                        FLORIDA HEALTHY KIDS CORPORATION
                          CONTRACT FOR MEDICAL SERVICES

                                TABLE OF CONTENTS

SECTION  1        GENERAL PROVISIONS

         1-1      Definitions

SECTION  2        FLORIDA HEALTHY KIDS CORPORATION RESPONSIBILITIES

         2-1      Participant Identification
         2-2      Payments
         2-3      Reduced Fee Arrangements
                  2-3-1    Specialty Fee Arrangements
                  2-3-2    Children's Medical Services
         2-4      Quarterly Program Updates
         2-5      Change in Benefit Schedule
         2-6      Marketing
         2-7      Forms and Reports
         2-8      Coordination of Benefits
         2-9      Entitlement to Reimbursement

SECTION  3        HEALTH PLAN RESPONSIBILITIES

         3-1      Benefits
         3-2      Access to Care
                  3-2-1    Access and Appointment Standards
                  3-2-2    Integrity of Professional Advice to Enrollees
         3-3      Fraud and Abuse
         3-4      Marketing Materials
         3-5      Use of Name
         3-6      Eligibility
         3-7      Effective Date of Coverage
         3-8      Termination of Participation
         3-9      Continuation of Coverage Upon Termination of this Agreement
         3-10     Individual Contracts
         3-11     Refusal of Coverage
         3-12     Extended Coverage
         3-13     Grievances and Complaints
         3-14     Claims Payment
         3-15     Notification
         3-16     Rates
         3-16     Rate Modification
                  3-16-1   Annual Adjustment
                  3-16-2   Denial of Rate Request
         3-18     Conditions of Services
         3-19     Medical Records Requirements
                  3-19-1   Medical Quality Review and Audit

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                  3-19-2   Privacy of Medical Records
                  3-19-3   Requests by Participants for Medical Records
         3-20     Quality Enhancement
                  3-20-1   Authority
                  3-20-2   Staff
                  3-20-3   Peer Review
                  3-20-4   Referrals
         3-21     Availability of Records
         3-22     Audits
                  3-22-1   Accessibility of Records
                  3-22-2   Financial Audit
                  3-22-3   Post-Contract Audit
                  3-22-4   Accessibility for Monitoring
         3-23     Indemnification
         3-24     Confidentiality of Information
         3-25     Insurance
         3-26     Lobbying Disclosure
         3-27     Reporting Requirements
         3-28     Participant Liability
         3-29     Protection of Proprietary Information
         3-30     Regulatory Filings

SECTION  4        TERMS AND CONDITIONS

         4-1      Effective Date
         4-2      Multi-year Agreement
         4-3      Entire Understanding
         4-4      Relation to Other Laws
                  4-4-1    Health Insurance Portability and Accountability Act
                  4-4-2    Mental Health Parity Act
                  4-4-3    Newborns and Mothers Health Protection Act of 1996
         4-5      Independent Contractor
         4-6      Assignment
         4-7      Notice
         4-8      Amendments
         4-9      Governing Law
         4-10     Contract Variation
         4-11     Attorney's Fees
         4-12     Representatives
         4-13     Termination
         4-14     Contingency
         4-15     Gender and Case

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

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SECTION  5        EXHIBITS

         Exhibit A: Premium Payment and Rates
         Exhibit B: Enrollment Dates
         Exhibit C: Benefits
         Exhibit D: Coordination of Benefits
         Exhibit E: Access Standards
         Exhibit F: Eligibility
         Exhibit G: Reporting Requirements
         Exhibit H: Certification Regarding Debarment, Suspension and
         Involuntary Cancellation
         Exhibit I: Certification Regarding Lobbying Certification For
         Contracts, Grants, Loans And Cooperative Agreements
         Exhibit J: Certification Regarding Health Insurance Portability and
         Accountability Access Act of 1996 Compliance

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

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                              AGREEMENT TO PROVIDE
                       COMPREHENSIVE HEALTH CARE SERVICES

         This agreement is made by and between the Florida Healthy Kids
Corporation, hereinafter referred to as "FHKC" and HEALTHEASE OF FLORIDA, INC.
and WELL CARE HMO, INC. hereinafter collectively referred to as "HEALTH PLAN".

         WHEREAS, FHKC has been specifically empowered in section 624.91
(4)(b)(12), Florida Statutes, to enter into contracts with Health Maintenance
Organization (HMO's), INSURERS, or any provider of health care services
hereinafter referred to as HEALTH PLAN, meeting standards established by FHKC,
for the provision of comprehensive health insurance coverage to participants;
and

         WHEREAS, Sections 641.2017 (1) and (2), Florida Statutes, allows HEALTH
PLAN to enter such a contractual arrangement on a prepaid per capita basis
whereby HEALTH PLAN assumes the risk that costs exceed the amount paid on a
prepaid per capita basis; and

         WHEREAS, FHKC desires to increase access to health care services and
improve children's health; and

         WHEREAS, FHKC did issue an Request for Proposals in the FHKC Health
Insurance Program inviting HEALTH PLAN as well as other entities, to submit a
proposal for the provision of those comprehensive health care services set forth
in the Request for Proposals; and

         WHEREAS, HEALTH PLAN'S proposal in response to the Request for
Proposals was selected through a competitive bid process as one of the most
responsive bids; and

         WHEREAS, HEALTH PLAN has assured FHKC of full compliance with the
standards established in this Agreement and agrees to promptly respond to any
required revisions or changes in the FHKC operating procedures or benefits which
may be required by law or implementing regulations; and

         WHEREAS, HEALTH PLAN agrees that the Request for Proposals released by
FHKC in March 2003 and HEALTH PLAN'S response to that RFP are incorporated by
reference and in any conflict between the RFP or HEALTH PLAN'S response to the
RFP and this contract, the contract condition shall control; and

         WHEREAS, FHKC is desirous of using HEALTH PLAN'S provider network to
deliver comprehensive health care services to all eligible FHKC participants in
Citrus, Duval, Escambia, Highlands, Martin, Putnam and Wakulla Counties as to
HealthEase, and Broward, Miami-Dade, Hernando, Hillsborough, Lee, Orange,
Osceola, Palm Beach, Pinellas, Seminole as to Well Care.

         NOW, THEREFORE, in consideration of the premises and the mutual
covenants and promises contained herein, the parties agree as follows:

SECTION 1 GENERAL PROVISIONS

1-1      Definitions

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As used in this agreement, the term:

                  A.       "COMPREHENSIVE HEALTH CARE SERVICES" means those
                           services, medical equipment, and supplies to be
                           provided by HEALTH PLAN in accordance with standards
                           set by FHKC and further described in Exhibit C.

                  B.       "THE PROGRAM" shall mean the project established by
                           FHKC pursuant to Section 624.91, Florida Statutes and
                           specified herein.

                  C.       "PARTICIPANT" or "ENROLLEE" means those individuals
                           meeting FHKC standards of eligibility and who have
                           been enrolled in the program.

                  D.       "HEALTH PLAN PROVIDERS" shall mean those providers
                           set forth in HEALTH PLAN'S Response to the Request
                           for Proposals and the participant's handbook as from
                           time to time amended.

                  E.       "CO-PAYMENT" or "COST SHARING" is the payment
                           required of the participant at the time of obtaining
                           service. In the event the participant fails to pay
                           the required co-payment, HEALTH PLAN may decline to
                           provide non-emergency or non-urgently needed care
                           unless the participant meets the conditions for
                           waiver of co-payments described in Exhibit C.

                  F.       "FRAUD" shall mean:

                           1)       Any FHKC participant or person who
                                    knowingly:

                                    a)       Fails, by any false statement,
                                             misrepresentation, impersonation,
                                             or other fraudulent means, to a
                                             disclose a material fact used in
                                             making a determination as to such
                                             person's qualification to receive
                                             comprehensive health care services
                                             coverage under the FHKC program;

                                    b)       Fails to disclose a change in
                                             circumstances in order to obtain or
                                             continue to receive comprehensive
                                             health care services coverage under
                                             the FHKC program to which he or she
                                             is not entitled or in an amount
                                             larger than that which he or she is
                                             entitled;

                                    c)       Aids and abets another person in
                                             the commission of any such act.

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                           2)       Any person or FHKC participant who:

                                    a)       Uses, transfers, acquires,
                                             traffics, alters, forges, or
                                             possess, or

                                    b)       Attempts to use, transfer, acquire,
                                             traffic, alter, forge or possess,
                                             or

                                    c)       Aids and abets another person in
                                             the use, transfer, acquisition,
                                             traffic, alteration, forgery or
                                             possession of an FHKC
                                             identification card.

                  G.       "STATE CHILDREN'S HEALTH INSURANCE PROGRAM (SCHIP)"
                           OR "TITLE XXI" shall mean the program created by the
                           federal Balanced Budget Act of 1997 as Title XXI of
                           the Social Security Act.

SECTION 2 FLORIDA HEALTHY KIDS CORPORATION RESPONSIBILITIES

2-1      Participant Identification

FHKC shall promptly furnish to HEALTH PLAN information to sufficiently identify
participants in the Comprehensive Health Care Services plan authorized by this
agreement. Additionally, FHKC shall provide HEALTH PLAN a compatible computer
tape, or other computer-ready media, with the names of participants along with
monthly additions or deletions throughout the term of this Agreement in
accordance with the following:

         A.       With respect to participants who enroll during open
                  enrollment, such listing shall be furnished not less than
                  seven (7) working days prior to the effective date of
                  coverage.

         B.       With respect to additions and deletions occurring after open
                  enrollment, such listing shall be furnished not less than
                  seven (7) working days prior to effective date of coverage.

         C.       With respect to both A and B above, furnish a supplemental
                  list of eligible participants by the third day after the
                  effective date of coverage. HEALTH PLAN shall adjust
                  enrollment retroactively to the 1st day of that month in
                  accordance with the supplemental list and as listed in Exhibit
                  B.

         D.       FHKC may request HEALTH PLAN to accept additional participants
                  after the supplemental listing for enrollment retroactive to
                  the 1st of that coverage month. Such additions will be limited
                  to those participants who made timely payments but were not
                  included on the previous enrollment reports. If such additions
                  exceed more than one percent on that month's enrollment,
                  HEALTH PLAN reserves the right to deny FHKC's request.

2-2      Payments

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FHKC will promptly forward the authorized premiums in accordance with Exhibit A
attached hereto and incorporated herein as part of this Agreement on or before
the 1st day of each month this Agreement is in force commencing with the 1st day
of October 2003. Premiums are past due on the 15th day of each month.

In the case of non-payment of premiums by the 15th day of the month for that
month of coverage, HEALTH PLAN shall have the right to terminate coverage under
this Agreement, provided FHKC is given written notice prior to such termination.
Termination of coverage shall be retroactive to the last day for which premium
payment has been made.

2-3      Reduced Fee Arrangements

         2-3-1    Specialty Service Fee Arrangements

                  Upon prior approval of HEALTH PLAN, FHKC shall have the right
                  to negotiate specialty service fee arrangements with
                  non-HEALTH PLAN affiliated providers and make such rates
                  available to HEALTH PLAN. In such cases if there is a material
                  impact on the premium, the premium in Exhibit A will be
                  adjusted by HEALTH PLAN in a manner consistent with sound
                  actuarial practices.

         2-3-2    Children's Medical Services Network

                  If there is a material impact on the premium in Exhibit A due
                  to the implementation of the Children's Medical Services
                  Network as created in Chapter 391, Florida Statutes, HEALTH
                  PLAN agrees to reduce the premium in Exhibit A in an amount
                  consistent with sound actuarial practices.

2-4      Program Updates

FHKC shall provide HEALTH PLAN with updates on program highlights such as
participant demographics, profiles, newsletters, legislative or regulatory
inquiries and program directives.

2-5      Change in Benefit Schedule

HEALTH PLAN understands that changes in federal and state law may require
amendments to the participant benefit schedule as set forth in Exhibit C. Should
such changes be necessary, FHKC shall notify HEALTH PLAN in writing of the
required change and HEALTH PLAN shall have thirty days (30) to agree to the
amended benefit schedule. If HEALTH PLAN elects not to implement a change in the
benefit schedule, FHKC may terminate this Agreement by providing HEALTH PLAN
with a written notice of termination and include a termination date of not less
than ninety (90) days from date of the written notification.

If a change in the benefit schedule is required, HEALTH PLAN must provide an
actuarial memorandum indicating the actuarial value of the benefit change.

2-6      Marketing

FHKC will market the program primarily through the county school districts. FHKC
agrees that HEALTH PLAN shall be allowed to participate in any scheduled
marketing efforts to include, but

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

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not be limited to, any scheduled open house type activities. However, HEALTH
PLAN is prohibited from any direct marketing to applicants or the use of FHKC's
logo, name or corporate identity unless such activity has received prior written
authorization from FHKC. Written authorization must be received for every
individual activity.

FHKC will have the right of approval or disapproval of all descriptive plan
literature and forms.

2-7      Forms and Reports

FHKC agrees that HEALTH PLAN shall participate in the development of any FHKC
eligibility report formats that may be required from time to time.

2-8      Coordination of Benefits

FHKC agrees that HEALTH PLAN shall be able to coordinate health benefits with
other insurers as provided for in Florida Statutes and the procedures contained
in Exhibit D attached hereto and incorporated herein as part of this Agreement.
HEALTH PLAN also agrees to coordinate benefits with any insurer under contract
with FHKC to provide comprehensive dental benefits to FHKC participants.

If HEALTH PLAN identifies a participant covered through another health benefits
program, HEALTH PLAN shall notify FHKC. FHKC shall make the decision as to
whether the participant may continue coverage through FHKC in accordance with
the eligibility standards adopted by FHKC and in accordance with any applicable
state laws.

2-9      Entitlement to Reimbursement

In the event HEALTH PLAN provides medical services or benefits to participants
who suffer injury, disease or illness by virtue of the negligent act or omission
of a third party, HEALTH PLAN shall be entitled to reimbursement from the
participant, at the prevailing rate, for the reasonable value of the services or
benefits provided. HEALTH PLAN shall not be entitled to reimbursement in excess
of the participant's monetary recovery for medical expenses provided, from the
third party.

SECTION 3 HEALTH PLAN RESPONSIBILITIES

3-1      Benefits

HEALTH PLAN agrees to make its provider network available to FHKC participants
in the counties covered by this contract and to provide the comprehensive health
care services as set forth in Exhibit C attached hereto and by reference made a
part hereof.

3-2      Access to Care

         3-2-1    Access and Appointment Standards

         HEALTH PLAN agrees to meet or exceed the appointment and geographic
         access standards for pediatric care existing in the community and as
         specifically provided for in Exhibit E attached hereto and incorporated
         herein as a part of this Agreement.

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         In the event HEALTH PLAN'S provider network is unable to provide those
         medically necessary benefits specified in Exhibit C, for any reason,
         except force majeure, HEALTH PLAN shall be responsible for those
         contract benefits obtained from providers other than HEALTH PLAN for
         eligible FHKC participants. In the event HEALTH PLAN fails to meet
         those access standards set forth in Exhibit E, FHKC shall notify HEALTH
         PLAN of its noncompliance with the standards in Exhibit E. If the
         non-compliance is not corrected within ninety (90) days, FHKC may,
         after following procedures set forth in Exhibit E, direct its
         participants to obtain such contract benefit from other providers and
         may contract for such services. All financial responsibility related to
         services received under these specific circumstances shall be assumed
         by HEALTH PLAN.

         3-2-2    Integrity of Professional Advice to Enrollees

         HEALTH PLAN ensures no interference with the advice of health care
         professionals to enrollees and that information about treatments will
         be provided to enrollees and their families in the appropriate manner.

         HEALTH PLAN agrees to comply with any federal regulations related to
         physician incentive plans and any disclosure requirements related to
         such incentive plans.

3-3      Fraud and Abuse

HEALTH PLAN ensures that it has appropriate measures in place to ensure against
fraud and abuse. HEALTH PLAN shall report to FHKC any information on violations
by subcontractors or participants that pertain to enrollment or the payment and
provision of health care services under this Agreement.

HEALTH PLAN agrees to FHKC access to monitor any fraud and abuse prevention
activities conducted by HEALTH PLAN under this Agreement.

3-4      Marketing Materials

HEALTH PLAN agrees that it shall not utilize the marketing materials, logos,
trade names, service marks or other materials belonging to FHKC without FHKC's
consent that shall not be unreasonably withheld.

HEALTH PLAN will be responsible for all preparation, cost and distribution of
member handbooks, plan documents, materials, and orientation, for FHKC
participants. Materials will be appropriate to the population served and unique
to the program. All materials and documents that are distributed to FHKC
participants must be reviewed and approved by FHKC prior to distribution.

3-5      Use of Name

HEALTH PLAN consents to the use of its name in any marketing and advertising or
media presentations describing FHKC, which are developed and disseminated by
FHKC to participants, employees, employers, the general public or the County
School System, provided however, HEALTH PLAN reserves the right to review and
concur in any such marketing materials prior to their dissemination.

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3-6      Eligibility

HEALTH PLAN agrees to accept those participants that FHKC has determined meet
the program's eligibility requirements. HEALTH PLAN reserves the right to
request that FHKC review the eligibility of a particular enrollee. FHKC shall
ensure all records and findings concerning a particular eligibility
determination will be made available with reasonable promptness to the extent
permitted under section 624.91, Florida Statutes and 409.821, Florida Statutes,
regarding confidentiality of information held by FHKC. HEALTH PLAN agrees that
the FHKC is the sole determiner of whether or not a child is eligible for the
FHKC program.

3-7      Effective Date of Coverage

Coverage for every participant shall become effective at 12:01 a.m. EST/EDT, on
the first day of the participant's first coverage month, as determined by FHKC.

3-8      Termination of Participation

A participant's coverage under this program shall terminate on the last day of
the month in which the participant:

         A.       ceases to be eligible to participate in the program;

         B.       establishes residence outside the service area; or

         C.       is determined to have acted fraudulently pursuant to Section
                  1-1 (F).

Termination of coverage and the effective date of that termination shall be
determined solely by FHKC.

3-9      Continuation of Coverage Upon Termination of this Agreement

HEALTH PLAN agrees that, upon termination of this Agreement for any reason,
unless instructed otherwise by FHKC, it will continue to provide inpatient
services to FHKC participants who are then inpatients until such time as such
participants have been appropriately discharged. However, HEALTH PLAN shall not
be required to provide such extended benefits beyond 12 calendar months from the
date the Agreement is terminated.

If HEALTH PLAN terminates this Agreement at its sole option and through no fault
of the FHKC and if on the date of termination a participant is totally disabled
and such disability commenced while coverage was in effect, that participant
shall continue to receive all benefits otherwise available under this Agreement
for the condition under treatment which caused such total disability until the
earlier of (1) the expiration of the contract benefit period for such benefits;
(2) determination by the Medical Director of HEALTH PLAN that treatment is no
longer medically necessary; (3) twelve (12) months from the date of termination
of coverage; (4) a succeeding carrier elects to provide replacement coverage
without limitation as to the disability condition; provided however, that
benefits will be provided only so long as the participant is continuously
totally disabled and only for the illness or injury which caused the total
disability.

For the purpose of this section, a participant who is "totally disabled" shall
mean a participant who is physically unable to work, as determined by the
Medical Director of HEALTH PLAN, due to an illness or injury at any gainful job
for which the participant is suited by education,

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training, experience or ability. Pregnancy, childbirth or hospitalization in and
of themselves do not constitute "total disability". In the case of maternity
coverage, when participant is eligible for such coverage, when not covered by a
succeeding carrier, a reasonable period of extension of benefits shall be
granted. The extension of benefits shall be only for the period of pregnancy,
and shall not be based on total disability.

3-10     Participant Certificates and Handbooks

HEALTH PLAN will issue participant certificates, identification cards, provider
network listings and handbooks to all FHKC designated participants within five
business days of receipt of an eligibility tape. Except as specifically provided
in Sections 3-9 and 3-12 hereof, all participant rights and benefits shall
terminate upon termination of this Agreement or upon termination of
participation in the program. All participant handbooks and member materials
must be approved by FHKC prior to distribution.

3-11     Refusal of Coverage

HEALTH PLAN shall not refuse to provide coverage to any participant on the basis
of past or present health status.

3-12     Extended Coverage

With regards to those participants who have been terminated pursuant to Section
3-8 A, HEALTH PLAN agrees to offer individual coverage to all participants
without regard to health condition or status.

3-13     Grievances and Complaints

HEALTH PLAN agrees to provide all FHKC participants a Grievance Process. The
grievance and complaint procedures shall be governed by my applicable federal
and state laws and regulations issued for SCHIP, and the following additional
rules and guidelines also apply:

         A.       There must be sufficient support staff (clerical and
                  professional) available to process grievances.

         B.       Staff must be educated concerning the importance of the
                  procedure and the rights of the enrollee.

         C.       Someone with problem solving authority must be part of the
                  grievance procedure.

         D.       In order to initiate the grievance process, such grievance
                  must be filed in writing.

         E.       The parties will provide assistance to grievant during the
                  grievance process to the extent FHKC deems necessary.

         F.       Grievances shall be resolved within sixty days from initial
                  filing by the participant, unless information must be
                  collected from providers located outside the authorized
                  service area or from non-contract providers. In

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                  such exceptions, an additional extension shall be authorized
                  upon establishing good cause.

         G.       A record of informal complaints received that are not
                  grievances shall be maintained and shall Include the date,
                  name, nature of the complaint and the disposition.

         H.       The grievance procedures must conform to the federal
                  regulations governing the State Children's Health Insurance
                  Program (SCHIP).

         I.       A quarterly report of all grievances involving FHKC
                  participants must be submitted to FHKC. The report should list
                  the number of grievances received during the quarter and the
                  disposition of those grievances. HEALTH PLAN shall also inform
                  FHKC of any grievances that are referred to the Statewide
                  Subscriber Assistance Panel prior to their presentation at the
                  panel.

         J.       HEALTH PLAN shall provide FHKC with their current grievance
                  process for FHKC participants upon request of FHKC. Any
                  subsequent changes to the process must be reviewed and
                  approved by FHKC prior to implementation.

3-14     Claims Payment

HEALTH PLAN will pay any claims from its offices located at 6800 Dale Mabry
Highway, Suite 168. Tampa, Florida 33614 (or any other designated claims office
located in its service area). HEALTH PLAN will pay clean claims filed within
thirty (30) working days or request additional information of the claimant
necessary to process the claim.

3-15     Notification

         A.       HEALTH PLAN shall immediately notify FHKC in writing of:

                  1.       Any judgment, decree, or order rendered by any court
                           of any jurisdiction on Florida Administrative Agency
                           enjoining HEALTH PLAN from the sale or provision of
                           service under Chapter 641, Part II, Florida Statutes.

                  2.       Any petition by HEALTH PLAN in bankruptcy or for
                           approval of a plan of reorganization or arrangement
                           under the Bankruptcy Act or Chapter 631, Part I,
                           Florida Statutes, or an admission seeking the relief
                           provided therein.

                  3.       Any petition or order of rehabilitation or
                           liquidation as provided in Chapters 631 or 641,
                           Florida Statutes.

                  4.       Any order revoking the Certificate Of Authority
                           granted to HEALTH PLAN

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                  5.       Any administrative action taken by the Department of
                           Financial Services or Agency for Health Care
                           Administration in regard to HEALTH PLAN.

                  6.       Any medical malpractice action filed in a court of
                           law in which a FHKC participant is a party (or in
                           whose behalf a participant's allegations are to be
                           litigated).

                  7.       The filing of an application for change of ownership
                           with the Florida Department of Financial Services.

                  8.       Any change in subcontractors who are providing
                           services to FHKC participants.

         B.       Monthly Notification Requirements

                  HEALTH PLAN shall inform FHKC monthly of any changes to the
                  provider network that differ from the network presented in the
                  original bid proposal, including discontinuation of any
                  primary care providers or physician practice associations or
                  groups with Healthy Kids enrollees on their panels. FHKC may
                  require HEALTH PLAN to provide FHKC with evidence that its
                  provider network continues to meet the access standards
                  described in Exhibit E.

3-16     Rates

The rate charged for provision of Comprehensive Health Care Services shall be as
stated in Exhibit A.

3-17     Rate Modification

         I.       Annual Adjustment

                  Upon request by HEALTH PLAN, the Board of Directors of the
                  FHKC may approve an adjustment to the premium effective only
                  on October 1, however each adjustment must meet the following
                  minimum conditions:

                  A.       Any request to adjust the premium must be received by
                           the preceding April 1;

                  B.       The request for an adjustment must be accompanied by
                           a supporting actuarial memorandum;

                  C.       The proposed premium shall not be excessive or
                           inadequate in accordance with the standards
                           established by the Department of Financial Services
                           for such determination;

                  D.       The proposed premium rate shall not include an
                           administrative component which exceeds 15 percent;
                           and,

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                  E.       The minimum medical loss ratio on the proposed
                           premium rate shall be 85 percent.

         II.      Rate Adjustment Denials

                  In the event that HEALTH PLAN'S rate adjustment is denied by
                  the Board of Directors of the FHKC, HEALTH PLAN may request
                  that an independent actuary be retained to determine whether
                  or not the proposed rate is excessive or inadequate.

                  A.       Any request for a review of a denied rate must be
                           submitted by HEALTH PLAN to the FHKC in writing
                           within fourteen (14) calendar days of the date of the
                           board meeting in which the Board of Directors' denied
                           the rate request.

                  B.       HEALTH PLAN must provide FHKC with a list of three
                           qualified Independent actuaries and also provide the
                           curriculum vitae for each proposed actuary within
                           thirty (30) days from HEALTH PLAN'S notification of
                           intention to seek a review of the denied rate.

                  C.       FHKC shall select an actuary from the list provided
                           by HEALTH PLAN no later than fourteen (14) calendar
                           days following receipt of the information from HEALTH
                           PLAN.

                  D.       The actuary's findings must be in writing and
                           communicated to both FHKC and HEALTH PLAN within
                           thirty (30) days after execution of the Letter of the
                           Engagement by all parties.

                  E.       The effective date of the actuary's determination
                           shall be October 1st or the first of the month
                           following the receipt of the actuary's findings,
                           whichever occurs later.

                  F.       The cost for such review will be shared equally
                           between FHKC and HEALTH PLAN.

                  G.       The decision of the independent actuary will be
                           binding on FHKC and HEALTH PLAN.

3-18     Conditions of Services

         Services shall be provided by HEALTH PLAN under the following
         conditions:

         A.       Appointment. Participants shall first contact their assigned
                  primary care physician for an appointment in order to receive
                  non-emergency health services.

         B.       Provision of Services. Services shall be provided and paid for
                  by HEALTH PLAN only when HEALTH PLAN performs, prescribes,
                  arranges or authorizes the services. Services are available
                  only from and under the direction of HEALTH PLAN and neither
                  HEALTH PLAN nor HEALTH PLAN Physicians shall have any
                  liability or obligation whatsoever on account of any service
                  or benefit sought or received by any member from any other
                  physician or other person, institution or organization, unless
                  prior special arrangements are made by HEALTH PLAN and
                  confirmed in writing except as provided for in Section 3-2.

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         C.       Hospitalization. HEALTH PLAN does not guarantee the admission
                  of a participant to any specific hospital or other facility or
                  the availability of any accommodations or services therein.
                  Inpatient Hospital Service is subject to all rules and
                  regulations of the hospital or other medical facility to which
                  the member is admitted.

         D.       Emergency Services. Exceptions to Section 3-17 A, B and C are
                  services which are needed immediately for treatment of an
                  injury or sudden illness where delay means risk of permanent
                  damage to the participant's health. HEALTH PLAN shall provide
                  and pay for emergency services both inside and outside the
                  service area.

3-19     Medical Records Requirements

HEALTH PLAN shall require providers to maintain medical records for each
participant under this Agreement in accordance with applicable state and federal
law.

         3-19-1   Medical Quality Review and Audit

                  FHKC shall conduct an independent medical quality review of
                  HEALTH PLAN during the contract term. The independent
                  auditor's report will include a written review and evaluation
                  of care provided to FHKC participants in the counties covered
                  under this Contract. Additional reviews may also be conducted
                  after completion of the baseline review at the discretion of
                  FHKC. HEALTH PLAN agrees to cooperate in all evaluation
                  efforts conducted or authorized by FHKC.

         3-19-2   Privacy of Medical Records

                  HEALTH PLAN will ensure that all individual medical records
                  will be maintained with confidentiality in accordance with
                  state and federal guidelines. HEALTH PLAN agrees to abide by
                  all applicable state and federal laws governing the
                  confidentiality of minors and the privacy of individually
                  identifiable health information. HEALTH PLAN'S policies and
                  procedures for handling medical records and protected health
                  information (PHI) shall be compliant with the Health Insurance
                  Portability and Accountability Act of 1996 (HIPAA) and shall
                  include provisions for when an enrollee's PHI may be disclosed
                  without consent or authorization.

         3-19-3   Requests by Participants for Medical Records

                  HEALTH PLAN will ensure that each participant may request and
                  receive a copy of records and information pertaining to that
                  enrollee in a timely manner. Additionally, the participant may
                  request that such records be corrected on supplemented.

3-20     Quality Enhancement (Assurance)

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 16 of 50

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HEALTH PLAN shall have a quality enhancement program. If HEALTH PLAN has an
existing program, it must satisfy the FHKC's quality enhancement standards.
Approval will be based on HEALTH PLAN'S adherence to the minimum standards
listed below.

         3-20-1   Quality Enhancement Authority. The Plan shall have a quality
                  enhancement review authority that shall:

                  (a)      Direct and review all quality enhancement activities.

                  (b)      Assure that quality enhancement activities take place
                           in all areas of the plan.

                  (c)      Review and suggest new or improved quality
                           enhancement activities.

                  (d)      Direct task forces/committees in the review of
                           focused concern.

                  (e)      Designate evaluation and study design procedures.

                  (f)      Publicize findings to appropriate staff and
                           departments within the plan.

                  (g)      Report findings and recommendations to the
                           appropriate executive authority.

                  (h)      Direct and analyze periodic reviews of enrollees'
                           service utilization patterns.

         3-20-2   Quality Enhancement Staff. The plan shall provide for quality
                  enhancement staff which has the responsibility for:

                  (a)      Working with personnel in each clinical and
                           administrative department to identify problems
                           related to quality of care for all covered
                           professional services.

                  (b)      Prioritizing problem areas for resolution and
                           designing strategies for change.

                  (c)      Implementing improvement activities and measuring
                           success.

                  (d)      Providing outcome of any Quality Enhancement
                           activities involving children 5-19 years of age to
                           the FHKC.

         3-20-3   Peer Review Authority. The plan's quality enhancement program
                  shall have a peer review component and a peer review
                  authority.

                  Scope of Activities

                  (a)      The review of the practice methods and patterns of
                           individual physicians and other health care
                           professionals.

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                  (b)      The ability and responsibility to evaluate the
                           appropriateness of care rendered by professionals.

                  (c)      The authority to implement corrective action when
                           deemed necessary.

                  (d)      The responsibility to develop policy recommendations
                           to maintain or enhance the quality of care provided
                           to plan participants.

                  (e)      A review process which includes the appropriateness
                           of diagnosis and subsequent treatment, maintenance of
                           medical record requirements, adherence to standards
                           generally accepted by professional group peers, and
                           the process and outcome of care.

                  (f)      The maintenance of written minutes of the meetings
                           and provision of reports to FHKC of any activities
                           related to FHKC participants.

                  (g)      Peer review must include examination of morbidity and
                           mortality.

         3-20-4   Referrals To Peer Review Authority

                  (a)      All written and/or oral allegations of inappropriate
                           or aberrant service must be referred to the Peer
                           Review Authority.

                  (b)      Recipients and staff must be advised of the role of
                           the Peer Review Authority and the process to advise
                           the authority of situations or problems.

                  (c)      All grievances related to medical treatment must be
                           presented to the Authority for examination and, when
                           a FHKC participant is involved, the outcome of the
                           grievance resolution reported to FHKC.

3-21     Availability of Records

HEALTH PLAN shall make all records available at its own expense for review,
audit, or evaluation by authorized federal, state and FHKC personnel. The
location will be determined by HEALTH PLAN subject to approval of FHKC Access
will be during normal business hours and will be either through on-site review
of records or through the mail.

Copies of all records, will be sent to FHKC by certified mail within seven
working days of request. It is FHKC's responsibility to obtain sufficient
authority, as provided for by applicable statute or requirement, to provide for
the release of any patient specific information or records requested by the
FHKC, State or Federal agencies.

3-22     Audits

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         3-22-    Accessibility of Records

                  HEALTH PLAN shall maintain books, records, documents, and
                  other evidence pertaining to the administrative costs and
                  expenses of the Agreement relating to the individual
                  participants for the purposes of audit requirements. These
                  records, books, documents, etc., shall be available for review
                  by authorized federal, state and FHKC personnel during the
                  Agreement period and five (5) years thereafter, except if an
                  audit is in progress or audit findings are yet unresolved in
                  which case records shall be kept until all tasks are
                  completed. During the contract period these records shall be
                  available at HEALTH PLAN'S offices at ail reasonable times.
                  After the contract period and for five years following, the
                  records shall be available at HEALTH PLAN'S chosen location
                  subject to the approval of FHKC. If the records need to be
                  sent to FHKC, HEALTH PLAN shall bear the expense of delivery.
                  Prior approval of the disposition of HEALTH PLAN and
                  subcontractor records must be requested and approved if the
                  contract or subcontract is continuous.

                  This agreement is subject to unilateral cancellation by FHKC
                  if HEALTH PLAN refuses to allow such public access.

         3-22-2   Financial Audit

                  Upon reasonable notice by FHKC, HEALTH PLAN shall permit an
                  independent audit by FHKC of its financial condition or
                  performance standard in accordance with the provisions of this
                  agreement and the Florida Insurance Code and regulations
                  adopted thereunder.

                  Additionally, HEALTH PLAN agrees to provide an audited
                  financial statement to FHKC on an annual basis upon the
                  request of FHKC.

         3-22-3   Post-Contract Audit

                  HEALTH PLAN agrees to cooperate with the post-contract audit
                  requirements of appropriate regulatory authorities and in the
                  interim will forward promptly HEALTH PLAN'S annually audited
                  financial statements to the FHKC. In addition, HEALTH PLAN
                  agrees to the following:

                  HEALTH PLAN agrees to retain and make available upon request,
                  all books, documents and records necessary to verify the
                  nature and extent of the costs of the services provided under
                  this Agreement, and that such records will be retained and
                  held available by HEALTH PLAN for such inspection until the
                  expiration of four (4) years after the services are furnished
                  under this Agreement. If, pursuant to this Agreement and if
                  HEALTH PLAN'S duties and obligations are to be carried out by
                  an individual or entity subcontracting with HEALTH PLAN and
                  that subcontractor is, to a significant extent, owns or is
                  owned by or has control of or is controlled by HEALTH PLAN,
                  each subcontractor shall

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 19 of 50

<PAGE>

                  itself be subject to the access requirement and HEALTH PLAN
                  hereby agrees to require such subcontractors to meet the
                  access requirement.

                  HEALTH PLAN understands that any request for access must be in
                  writing and contain reasonable identification of the
                  documents, along with a statement as to the reason that the
                  appropriateness of the costs or value of the services in
                  question cannot be adequately or efficiently determined
                  without access to its books or records. HEALTH PLAN agrees
                  that it will notify FHKC in writing within ten (10) days upon
                  receipt of a request for access.

         3-22-4   Accessibility for Monitoring

                  HEALTH PLAN shall make available to all authorized federal,
                  state and FHKC personnel, records, books, documents, and other
                  evidence pertaining to the Agreement as well as appropriate
                  personnel for the purpose of monitoring under this Agreement.
                  The monitoring shall occur periodically during the contract
                  period.

                  HEALTH PLAN also agrees to cooperate in any evaluative efforts
                  conducted by FHKC or an authorized subcontractor of FHKC.

3-23     Indemnification

The applicable HEALTH PLAN agrees to indemnify and hold harmless FHKC from any
losses resulting from negligent, dishonest, fraudulent or criminal acts of the
applicable HEALTH PLAN its officers, its directors, or its employees, whether
acting alone or in collusion with others.

The applicable HEALTH PLAN shall indemnify, defend, and hold FHKC and its
officers, employees and agents harmless from all claims, suits, judgments or
damages, including court costs and attorney fees, arising out of any negligent
or intentional torts by the applicable HEALTH PLAN.

The applicable HEALTH PLAN shall hold all enrolled participants harmless from
all claims for payment of covered services, except co-payments, including court
costs and attorney fees arising out of or in the course of this Agreement
pertaining to covered services. In no case will FHKC or program participants be
liable for any debts of HEALTH PLAN.

The applicable HEALTH PLAN agrees to indemnify, defend, and save harmless FHKC,
its officers, agents, and employees from:

         A.       Any claims or losses attributable to a service rendered by any
                  subcontractor, person, or firm performing or supplying
                  services, materials, or supplies in connection with the
                  performance of the contract regardless of whether FHKC knew or
                  should have known of such improper service, performance,
                  materials or supplies.

         B.       Any failure of HEALTH PLAN, its officers, employees, or
                  subcontractors to observe Florida law, including but not
                  limited to labor laws and minimum wage laws, regardless of
                  whether the FHKC knew or should have known of such failure.

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                                  Page 20 of 50

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With respect to the rights of indemnification given herein, FHKC agrees to
provide to HEALTH PLAN, if known to FHKC, timely written notice of any loss or
claim and the opportunity to mitigate, defend and settle such loss or claim as a
condition to indemnification

3-24     Confidentiality of Information

HEALTH PLAN shall treat all information, and in particular information relating
to participants which is obtained by or through its performance under the
Agreement, as confidential information to the extent confidential treatment is
provided under state and federal laws. HEALTH PLAN shall not use any information
so obtained in any manner except as necessary for the proper discharge of its
obligations and securement of its rights under the Agreement.

All information as to personal facts and circumstances concerning participants
obtained by HEALTH PLAN shall be treated as privileged communications, shall be
held confidential, and shall not be divulged without the written consent of FHKC
or the participant, provided that nothing stated herein shall prohibit the
disclosure of information in summary, statistical, or other form which does not
identify particular individuals. The use or disclosure of information concerning
participants will be limited to purposes directly connected with the
administration of the Agreement. It is expressly understood that substantial
evidence of HEALTH PLAN'S refusal to comply with this provision shall constitute
a breach of contract.

3-25     Insurance

HEALTH PLAN shall not commit any work in connection with the Agreement until it
has obtained all types and levels of insurance required and approved by
appropriate state regulatory agencies. The insurance includes but is not limited
to worker's compensation, liability, fire insurance, and property insurance.
Upon request, FHKC shall be provided proof of coverage of insurance by a
certificate of insurance accompanying the contract documents.

FHKC shall be exempt from and in no way liable for any sums of money that may
represent a deductible in any insurance policy. The payment of such a deductible
shall be the sole responsibility of HEALTH PLAN and/or subcontractor holding
such insurance. The same holds true of any premiums paid on any insurance policy
pursuant to this Agreement. Failure to provide proof of coverage may result in
the Agreement being terminated.

3-26     Lobbying Disclosure

HEALTH PLAN shall comply with applicable state and federal requirements for the
disclosure of information regarding lobbying activities of the firm,
subcontractors or any authorized agent. Certification forms shall be filed by
HEALTH PLAN certifying that no state or federal funds have been or will be used
in lobbying activities, and the disclosure forms shall be used by HEALTH PLAN to
disclose lobbying activities in connection with the Program that have been or
will be paid for with non-federal funds.

3-27     Reporting Requirements

HEALTH PLAN agrees to provide on a timely basis the quarterly statistical
reports detailed in Exhibit G to FHKC that FHKC must have to satisfy reporting
requirements. HEALTH PLAN also agrees to attest to the accuracy, completeness
and truthfulness of claims and payment data that are submitted to FHKC under
penalty of perjury. Access to participant claims data by FHKC,

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 21 of 50

<PAGE>

the State of Florida, the federal Centers for Medicare and Medicaid Services,
the Department of Health and Human Services Inspector General will be allowed to
the extent allowed under any state privacy protections.

3-28     Participant Liability

HEALTH PLAN hereby agrees that no FHKC participant shall be liable to HEALTH
PLAN or any HEALTH PLAN'S network providers for any services covered by FHKC
under this Agreement. Neither HEALTH PLAN nor any representative of HEALTH PLAN
shall collect or attempt to collect from an FHKC participant any money for
services covered by the program and neither HEALTH PLAN nor representatives of
HEALTH PLAN may maintain any action at law against a FHKC participant to collect
money owed to HEALTH PLAN by FHKC. FHKC participants shall not be liable to
HEALTH PLAN for any services covered by the participant's contract with FHKC.
This provision shall not prohibit collection of co-payments made in accordance
with the terms of this Agreement. Nor shall this provision prohibit collection
for services not covered by the contract between FHKC and the participants.

3-29     Protection of Proprietary Information

HEALTH PLAN and FHKC mutually agree to maintain the integrity of all proprietary
information, including but not limited to membership lists, including names,
addresses and telephone numbers. Neither party will disclose or allow to
disclose proprietary information, by any means, to any person without the prior
written approval of the other party. All proprietary information will be so
designated.

This requirement does not extend to routine reports and membership disclosure
necessary for efficient management of the program.

3-30     Regulatory Filings

HEALTH PLAN will forward all regulatory filings, (i.e., documents, forms and
rates) relating to this Agreement to FHKC for their review and approval. Once
such regulatory filings are approved, FHKC will submit them to the Department of
Financial Services on HEALTH PLAN'S behalf.

SECTION 4 TERMS AND CONDITIONS

4-1      Effective Date

This Agreement shall be effective on the first (1st) day of October 2003 and
shall remain in effect through September 30, 2005.

4-2      Multiple Year Agreement

Parties hereto agree this is a "Multiple Year Agreement" meaning this Agreement
which is effective as of October 1, 2003 shall extend through September 30, 2005
and shall thereafter be automatically renewed for no more than (2) successive
one year periods. Either party may elect not to renew this Agreement and in that
event shall give written notice to said effect to the other party at least six
(6) months prior to the expiration of the then current term.

4-3      Entire Understanding

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                                  Page 22 of 50

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This Agreement embodies the entire understanding of the parties in relationship
to the subject matter hereof. No other agreement, understanding or
representation, verbal or otherwise, relative to the subject matter hereof
exists between the parties at the time of execution of this Agreement.

4-4      Relation to Other Laws

         4-4-1    Health Insurance Portability and Accountability Act (HIPAA)

                  Coverage offered under this Agreement is considered creditable
                  coverage for the purposes of part 7 of subtitle B of title II
                  of ERISA, title XXVII of the Public Health Services Act and
                  subtitle K of the Internal Revenue Code of 1986. HEALTH PLAN
                  is responsible for issuing a certificate of creditable
                  coverage to those FHKC participants who disenroll from the
                  Program.

                  Additionally, HEALTH PLAN agrees to comply with all other
                  applicable provisions of the HIPAA, and will certify
                  compliance under Exhibit J.

         4-4-2    Mental Health Parity Act(MHPA)

                  HEALTH PLAN agrees to comply with the requirements of the
                  Mental Health Parity Act of 1996 regarding parity in the
                  application of annual and lifetime dollar limits to mental
                  health benefits in accordance with 45 CFR 146.136.

         4-4-3    Newborns and Mothers Health Protection Act of 1996 (NMHPA)

                  HEALTH PLAN agrees to comply with the requirements of the
                  NMHPA of 1996 regarding requirements for minimum hospital
                  stays for mothers and newborns in accordance with 45 CFR
                  146.130 and 148.170.

4-5      Independent Contractor

The relationship of HEALTH PLAN to the FHKC shall be solely that of an
independent contractor. As an independent contractor, HEALTH PLAN agrees to
comply with the following provisions:

                  a.       Title VI of the Civil Rights Act of 1964, as amended,
                           42 U.S.C. 2000d et seq., which prohibits
                           discrimination on the basis of race, color, or
                           national origin.

                  b.       Section 504 of the Rehabilitation Act of 1973, as
                           amended, 29 U.S.C. 794, which prohibits
                           discrimination on the basis of handicap.

                  c.       Title IX of the Education Amendments of 1972, as
                           amended 29 U.S.C. 601 et seq., which prohibits
                           discrimination on the basis of sex.

                  d.       The Age Discrimination Act of 1975, as amended, 42
                           U.S.C.

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                           6101 et seq., which prohibits discrimination on the
                           basis of age.

                  e.       Section 654 of the Omnibus Budget Reconciliation Act
                           of 1981, as amended, 42 U.S.C. 9848, which prohibits
                           discrimination on the basis of race, creed, color,
                           national origin, sex, handicap, political affiliation
                           or beliefs.

                  f.       The American with Disabilities Act of 1990, P.L.
                           101-336, which prohibits discrimination on the basis
                           of disability and requires reasonable accommodation
                           for persons with disabilities.

                  g.       Section 274A (e) of the Immigration and
                           Nationalization Act, FHKC shall consider the
                           employment by any contractor of unauthorized aliens a
                           violation of this Act. Such violation shall be cause
                           for unilateral cancellation of this Agreement.

                  h.       OMB Circular A-110 (Appendix A-4) which identifies
                           procurement procedures which conform to applicable
                           federal law and regulations with regard to debarment,
                           suspension, ineligibility, and involuntary exclusion
                           of contracts and subcontracts and as contained in
                           Exhibit I of this Agreement. Covered transactions
                           include procurement contracts for services equal to
                           or in excess of $100,000 and all non-procurement
                           transactions.

                  i.       The federal regulations implementing the State
                           Children's Health Insurance Program (SCHIP) as found
                           in 42 CFR Parts 431, 433, 435, 436 and 457 and any
                           subsequent revisions to the regulation.

4-6      Assignment

This Agreement may not be assigned by HEALTH PLAN without the express prior
written consent of FHKC. Any purported assignment shall be deemed null and void.

This Agreement and the monies that may become due hereunder are not assignable
by HEALTH PLAN except with the prior written approval of FHKC.

4-7      Notice

Notice required or permitted under this Agreement shall be directed as follows:

                  For HEALTHEASE:
                  PRESIDENT OR CHIEF EXECUTIVE OFFICER
                  6800 DALE MABRY HIGHWAY
                  SUITE 268
                  TAMPA, FLORIDA 33614

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                  For WELL CARE HMO:
                  PRESIDENT OR CHIEF EXECUTIVE OFFICER
                  6800 DALE MABRY HIGHWAY
                  SUITE 268
                  TAMPA, FLORIDA 33614

                  For FHKC:
                  EXECUTIVE DIRECTOR
                  FLORIDA HEALTHY KIDS CORPORATION
                  POST OFFICE BOX 980
                  TALLAHASSEE, FL 32302

                  or to such other place or person as written notice thereof may
                  be given to the other party.

4-8      Amendment

Not withstanding anything to the contrary contained herein, this Agreement may
be amended by mutual written consent of the parties at any time.

4-9      Governing Law

This Agreement shall be construed and governed in accordance with the laws of
the State of Florida. In the event any action is brought to enforce the
provisions of this Agreement, venue shall be in Leon County, Florida.

4-10     Contract Variation

If any provision of the Agreement (including items incorporated by reference) is
declared or found to be illegal, unenforceable, or void, then both FHKC and
HEALTH PLAN shall be relieved of all obligations arising under such provisions.
If the remainder of the Agreement is capable of performance, it shall not be
affected by such declaration or finding and shall be fully performed. In
addition, if the laws or regulations governing this Agreement should be amended
or judicially interpreted as to render the fulfillment of the Agreement
impossible or economically infeasible, both FHKC and HEALTH PLAN will be
discharged from further obligations created under the terms of the Agreement.

4-11     Attorneys Fees

In the event that either party deems it necessary to take legal action to
enforce any provision of this Agreement the court or hearing officer, in his
discretion, may award costs and attorneys' fees to the prevailing party. Legal
actions are defined to include administrative proceedings.

4-12     Representatives

Each party shall designate a representative to serve as the day to day
management of FHKC Health Insurance Plan, helping to resolve services questions,
assuring proper arbitration in the event of a dispute, as well as responding to
general administrative and procedural problems. These individuals will be the
principal points of contact for all inquiries unless the designated
representatives specifically refer the inquiry to another party within their
respective organizations.

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                                  Page 25 of 50

<PAGE>

4-13     Termination

         A. Termination for Cause

         FHKC shall have the absolute right to terminate for cause, this
         Agreement as to the applicable HEALTH PLAN, and all obligations
         contained hereunder. Cause shall be defined as any material breach of
         the applicable HEALTH PLAN'S responsibilities as set forth herein,
         which can not be cured by the applicable HEALTH PLAN within 30 days
         from the date of written notice from FHKC but, if the default condition
         cannot be cured within the 30 days, the applicable HEALTH PLAN may, if
         it has commenced reasonable efforts to correct the condition within
         that 30 day period, have up to 90 days to complete the required cure.
         Nothing in this Agreement shall extend this 90 day period except the
         mutual consent of the parties hereto.

         HEALTH PLAN shall have the absolute right to terminate for cause this
         Agreement, and all obligations contained hereunder. Cause shall be
         defined as any material breach of FHKC's responsibilities as set forth
         herein, which can not be cured by FHKC within 30 days from the date of
         written notice from HEALTH PLAN but, if the default condition cannot be
         cured within the 30 days, FHKC may, if it has commenced reasonable
         efforts to correct the condition within that 30 day period, have up to
         90 days to complete the required cure. Nothing in this Agreement shall
         extend this 90 day period except the mutual consent of the parties
         hereto.

         B. Change of Controlling Interest

         FHKC shall have the absolute right to elect to continue or terminate
         this Agreement, at its sole discretion, in the event of a change in the
         ownership or controlling interest of HEALTH PLAN. HEALTH PLAN shall
         provide notice of regulatory agency approval prior to any transfer or
         change in control, and FHKC shall have ten (10) days thereafter to
         elect continuation or termination of this Agreement. Upon such an
         accepted change of controlling interest, in which the ownership of
         either Well Care or HealthEase is no longer joint, FHKC shall, at the
         request of HEALTH PLAN, provide each a separate contract for the
         remainder of the contract term with the applicable counties as are
         described herein.

         C. Lack of Funding

         FHKC shall have the absolute right to terminate this Agreement should
         state, federal or other funds for the Program be reduced or terminated
         such that the Program cannot be sustained at the sole discretion of the
         FHKC. Should FHKC elect to terminate this Agreement, FHKC shall provide
         HEALTH PLAN a written notice of termination and include a termination
         date of not less than thirty (30) days from the date of the notice.

         4-14     Contingency

         This Agreement and all obligations created hereunder, are subject to
         continuation and approval of funding of the FHKC by the appropriate
         state and federal or local agencies.

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<PAGE>

         4-15     Gender and Case.

         Wherever in this Agreement, the singular number is used, the same shall
         include the plural, and the masculine gender shall include the feminine
         and neuter genders, and vice versa, as the context shall require. All
         references in this Agreement to HEALTH PLAN shall be interpreted to
         refer to either WellCare or HealthEase as applicable, sometimes
         referred to as the "applicable HEALTH PLAN."

         IN WITNESS WHEREOF the parties hereto have executed this Agreement on
         the 5th day of Sept., 2003.

                  APPROVED AUG 21 2003 WELLCARE LEGAL SERVICES

                                       HEALTHEASE OF FLORIDA, INC.

[ILLEGIBLE]                            By: /s/ Todd S. Farha
------------------------------------       -------------------------------------
Witness Thaddeus Bereday               Name:
        Senior Vice President &        Title
        General Counsel

                                       WELL CARE HMO, INC.

[ILLEGIBLE]                            By: /s/ Todd S. Farha
------------------------------------       -------------------------------------
Witness Thaddeus Bereday               Name:
        Senior Vice President &        Title
        General Counsel

                                       FLORIDA HEALTHY KIDS CORPORATION

[ILLEGIBLE]                            By: /s/ Rose M. Naff
------------------------------------       -------------------------------------
Witness                                Rose M. Naff
                                       Executive Director

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                                  Page 27 of 50

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                                    EXHIBIT A
                            HEALTH SERVICES AGREEMENT

         I.       Premium Rate

                  The Comprehensive Health Care Services premium for
                  participants in the Florida Healthy Kids Health Insurance
                  Program for the coverage period October 1, 2003 through
                  September 30, 2004 shall be as follows for each county:

<TABLE>
<S>                                 <C>
As to HealthEase:

Citrus County:                      $83.59 per member per month
Duval County:                       $98.53 per member per month
Escambia County:                    $87.51 per member per month
Highlands County:                   $96.54 per member per month
Martin County:                      $86.68 per member per month
Putnam County:                      $79.61 per member per month
Wakulla County:                     $83.59 per member per month

As to Well Care:

Broward County:                     $83.47 per member per month
Miami-Dade County:                  $83.47 per member per month
Hernando County:                    $108.49 per member per month
Hillsborough County:                $69.15 per member per month
Lee County:                         $83.47 per member per month
Orange County:                      $69.15 per member per month
Osceola County:                     $69.15 per member per month
Palm Beach County:                  $83.47 per member per month
Pinellas County:                    $69.15 per member per month
Seminole County:                    $69.15 per member per month
</TABLE>

         II.      Additional Requirements for Premium Rates

                           The rate listed in Paragraph of this Exhibit also
                           incorporates the following requirements:

                                    A.       Minimum Medical Loss Ratio
                                             The minimum medical loss ratio
                                             shall be 85 percent.

                                    B.       Maximum Administrative Component
                                             The maximum administrative cost for
                                             the premium listed in Paragraph I
                                             of this Exhibit shall not exceed 15
                                             percent.

         III.     Experience Adjustment

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 28 of 50

<PAGE>

                  In the event that the actual experience is less than 85
                  percent, in the aggregate for both Well Care and HealthEase,
                  HEALTH PLAN shall pay to FHKC one-half of the difference.

                  HEALTH PLAN shall annually provide FHKC with an aggregate
                  experience report no later than March 1st for the prior
                  calendar year. If any payments are due under this provision,
                  HEALTH PLAN shall forward such payment with its written
                  notification. HEALTH PLAN may be subject to audit or
                  verification by FHKC or its designated agents.

                  FHKC is not under any further obligation if the actual loss
                  ratio exceeds 85%.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 29 of 50

<PAGE>

                                    EXHIBIT B

                              ENROLLMENT PROCEDURES

1        All FHKC eligible participants will be provided with necessary
         enrollment materials and forms from FHKC or its assignee.

2.       FHKC will provide HEALTH PLAN with eligible participants who have
         selected HEALTH PLAN or who have beet assigned by FHKC to HEALTH PLAN
         according to the provisions of Section 2-1 via an enrollment tape,
         using a tape layout to be specified by FHKC.

3.       Upon receipt of such enrollment tape, HEALTH PLAN acting as an agent
         for FHKC shall provide each participant with an enrollment package
         within five business days of receipt of an enrollment tape that
         includes at a minimum the following items:

         A.       A membership card displaying participant's name, participation
                  number and effective date of coverage.

         B.       A Participant's handbook that complies with any federal
                  requirements and has been approved by the FHKC, including at
                  a minimum, a description of how to access services, a listing
                  of any copayment requirements, the grievance process and the
                  covered benefits.

         C.       Current listing of all primary care physicians, specialists
                  and hospital providers.

4.       All additions or deletions will be submitted in accordance with
         referenced sections of this Agreement and Exhibit B.

5.       Upon receipt of monthly tape from FHKC, HEALTH PLAN will process all
         new enrollments and provide new participants with an enrollment package
         within five business days of receipt of the enrollment tape.

6.       Deletions will be processed by HEALTH PLAN and HEALTH PLAN will notify
         each cancelled participant in writing by regular mail of the effective
         date of deletion.

7.       In accordance with state law, a waiting period of sixty days will be
         imposed on those participants who voluntarily cancel their coverage by
         non-payment of the required monthly premium. Cancelled participants
         must request reinstatement from FHKC and wait at least sixty days from
         the date of that request before coverage can be reinstated.

8.       FHKC is the sole determiner of eligibility and effective dates of
         coverage.

9.       HEALTH PLAN must also comply with the guidance issued by the Office of
         Civil Rights of the United States Department of Health and Human
         Services ("Policy Guidance on the Title VI Prohibition against National
         Origin Discrimination as it Effects Persons with Limited English
         Proficiency") regarding the availability of information and assistance
         for persons with limited English proficiency.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 30 of 50

<PAGE>

                                     EXHIBIT C
                             ENROLLEE BENEFIT SCHEDULE

I.       Minimum Benefits; Statutory Requirements

            HEALTH PLAN agrees to provide, at a minimum, those benefits that are
            prescribed by state law under Section 409.815(2)(a-b) and 409.815
            (r-t). HEALTH PLAN shall pay an enrollees' covered expenses up to a
            lifetime maximum of $1 million per covered enrollee.

            The following health care benefits are included under this
            Agreement:

<TABLE>
<CAPTION>
BENEFIT                                             LIMITATIONS                   CO-PAYMENTS
---------------------------------------------------------------------------------------------
<S>                                   <C>                                         <C>
A. Inpatient Services                 All admissions must be authorized by           NONE
All covered services provided         HEALTH PLAN. The length of the patient
for the medical care and              stay shall be determined based on the
treatment of an enrollee who          medical condition of the enrollee in
is admitted as an inpatient to        relation to the necessary and appropriate
a hospital licensed under part        level of care.
I of Chapter 395.
                                      Room and board may be limited to
Covered services include:             semi-private accommodations, unless a
physician's services;                 private room is considered medically
room and board; general               necessary or semi-private accommodations
nursing care; patient meals;          are not available.
use of operating room and
related facilities; use of            Private duty nursing limited to
intensive care unit and               circumstances where such care is
services; radiological,               medically necessary.
laboratory and other
diagnostic tests; drugs;              Admissions for rehabilitation and
medications; biologicals;             physical therapy are limited to 15 days
anesthesia and oxygen                 per contract year.
services; special duty
nursing; radiation and                Shall Not Include Experimental or
chemotherapy; respiratory             Investigational Procedures as defined as
therapy; administration of            a drug, biological product, device,
whole blood plasma; physical,         medical treatment or procedure that meets
speech and occupational               any one of the following criteria, as
therapy; medically necessary          determined by HEALTH PLAN.
services of other health
professionals.                        1. Reliable Evidence shows the drug,
                                      biological product, device, medical
                                      treatment, or procedure when applied to
                                      the circumstances of a particular patient
                                      is the subject of ongoing phase I, II or
                                      III clinical trials or

                                      2. Reliable Evidence shows the drug,
                                      biological product, device, medical
                                      treatment or procedure when applied to
                                      the circumstances of a particular patient
                                      is under study with a written protocol to
                                      determine maximum tolerated dose,
                                      toxicity, safety, efficacy, or efficacy
                                      in comparison to conventional
                                      alternatives, or

                                      3. Reliable Evidence shows the drug,
                                      biological product, device, medical
                                      treatment, or procedure is being
                                      delivered or should be delivered subject
                                      to the approval and supervision of an
                                      Institutional Review Board (IRB) as
                                      required and defined by federal
                                      regulations, particularly those of the
                                      U.S. Food and Drug Administration or the
                                      Department of Health and Human Services.
</TABLE>

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 31 of 50
<PAGE>

<TABLE>
<CAPTION>
BENEFIT                                             LIMITATIONS                     CO-PAYMENTS
---------------------------------------------------------------------------------------------------
<S>                                   <C>                                         <C>
B. Emergency Services                 Must use a HEALTH PLAN designated           $10 per visit
                                      facility or provider for emergency care     waived if admitted
Covered Services include              unless the time to reach such facilities    or authorized by
visits to an emergency room or        or providers would mean the risk of         primary care
other licensed facility if            permanent damage to patient's health.       physician
needed immediately due to an
injury or illness and delay
means risk of permanent damage        HEALTH PLAN must also comply with the
to the enrollee's health.             provisions of s. 641.513, Florida
                                      Statutes.

                                      Infant is covered for up to three (3) days  NONE
C. Maternity Services and             following birth or until the infant is
Newborn Care                          transferred to another medical facility,
                                      whichever occur first.
Covered services include
maternity and newborn care;           Coverage may by limited to the fee for
prenatal and postnatal care;          vaginal deliveries.
initial inpatient care of
adolescent participants,
including nursery charges and
initial pediatric or neonatal
examination.
                                      Coverage is available for transplants and   NONE
D. Organ Transplantation              medically related services if deemed
Services                              necessary and appropriate within the
                                      guidelines set by the Organ Transplant
Covered services include              Advisory Council or the Bone Marrow
pretransplant, transplant and         Transplant Advisory Council.
postdischarge services and
treatment of complications
after transplantation.
                                      Services must be provided directly by       No co-payment for
E. Outpatient Services                HEALTH PLAN or through pre-approved         office visits to the
                                      referrals.                                  primary care
Preventive, diagnostic,                                                           physician or for
therapeutic, palliative care,         Routine hearing and screening must be       routine vision and
and other services provided to        provided by primary care physician.         hearing screenings.
an enrollee in the outpatient
portion of a health facility          Family planning limited to one annual       $5 per office visit
licensed under chapter 395.           visit and one supply visit each ninety
                                      days.

Covered services include Well-        Chiropractic services shall be provided in
child care, including those           the same manner as in the Florida
services recommended in the           Medicaid program.
Guidelines for Health
Supervision of Children and           Podiatric services are limited to one
Youth as developed by Academy         visit per day totaling two visits per
of Pediatrics; immunizations          month for specific foot disorders. Dental
and injections as recommended         services must be provided to an oral
by the Advisory Committee on          surgeon for medically necessary
Immunization Practices; health        reconstructive dental surgery due to
education counseling and              injury.
clinical services; family
planning services, vision             Immunizations are to be provided by the
screening; hearing screening;         primary care physician.
clinical radiological,
laboratory and other
outpatient diagnostic tests;          Treatment for temporomandibular joint
ambulatory surgical                   (TMJ) disease is specifically excluded.
procedures; splints and casts;
consultation with and                 Shall Not Include Experimental or
treatment by referral                 Investigational Procedures as defined as a
physicians; radiation and             drug, biological product, device, medical
chemotherapy;                         treatment or procedure that meets any one
                                      of the following criteria, is determined
                                      by HEALTH PLAN:

                                      1. Reliable Evidence shows the drug,
                                      biological product, device, medical
                                      treatment, or procedure when applied to
                                      the circumstances of a particular patient
                                      is the subject of

</TABLE>

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 32 of 50

<PAGE>

<TABLE>
<CAPTION>
BENEFIT                                             LIMITATIONS                     CO-PAYMENTS
---------------------------------------------------------------------------------------------------
<S>                                   <C>                                         <C>
chiropractic services; podiatric      ongoing phase I, II or III clinical trials
services.                             or

                                      2. Reliable Evidence shows the drug,
                                      biological product, device, medical
                                      treatment or procedure when applied to the
                                      circumstances of a particular patient is
                                      under study with a written protocol to
                                      determine maximum tolerated dose,
                                      toxicity, safety, efficacy, or efficacy in
                                      comparison to conventional alternatives,
                                      or

                                      3. Reliable Evidence shows the drug,
                                      biological product, device, medical
                                      treatment, or procedure is being delivered
                                      or should be delivered subject to the
                                      approval and supervision of an
                                      Institutional Review Board (IRB) as
                                      required and defined by federal
                                      regulations, particularly those of the
                                      U.S. Food and Drug Administration or the
                                      Department of Health and Human Services

E. Behavioral Health                  All services must be provided directly by
                                      HEALTH PLAN or upon approved referral.
Services Covered services
include inpatient and
outpatient care for                   Inpatient services are limited to not more  INPATIENT:
psychological or psychiatric          than thirty inpatient days per contract     NONE
evaluation, diagnosis and             year for psychiatric admissions, or
treatment by a licensed               residential services in lieu of inpatient
mental health professional.           psychiatric admissions; however, a
                                      minimum of ten of the thirty days shall be
                                      available only for inpatient psychiatric
                                      services when authorized by HEALTH PLAN
                                      physician.

                                      Outpatient services are limited to a
                                      maximum of forty outpatient visits per
                                      contract year.                              OUTPATIENT: $5
                                                                                  per visit

F. Substance Abuse Services           All services must be provided directly by   INPATIENT:
                                      HEALTH PLAN or upon approved referral.      NONE
Includes coverage for
inpatient and outpatient care
for drug and alcohol abuse            Inpatient services are limited to not more
including counseling and              than seven inpatient days per contract
placement assistance.                 year for medical detoxification only and
                                      thirty days residential services.
Outpatient services include
evaluation, diagnosis and             Outpatient visits are limited to a maximum  OUTPATIENT: $5
treatment by a licensed               of forty visits per contract year.          per visit
practitioner.

G. Therapy Services                   All treatments must be performed directly   $5 per visit
                                      or as authorized by HEALTH PLAN.
Covered services include physical,
occupational, respiratory and         Limited to up to twenty-four treatment
speech therapies for                  sessions within a sixty day period per
short-term rehabilitation             episode or injury, with the sixty day
where significant improvement         period beginning with the first treatment.
in the enrollee's condition
will result.

H. Home Health Services               Coverage is limited to skilled nursing      $5 per visit
                                      services only. Meals, housekeeping and
Includes prescribed home              personal comfort items are excluded.
visits by both registered and
licensed practical nurses to          Services must be provided directly by
provide skilled nursing               HEALTH PLAN. Private duty nursing is
services on a part-time               limited to circumstances where such care
intermittent basis.                   is medically appropriate.
</TABLE>

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 33 of 50

<PAGE>

<TABLE>
<CAPTION>
          BENEFIT                                  LIMITATIONS                       CO-PAYMENTS
---------------------------  ---------------------------------------------------  -------------------
<S>                          <C>                                                  <C>
I. Hospice Services          Once a family elects to receive hospice care for an  $5 per visit
                             enrollee, other services that treat the terminal
Covered services include     condition will not be covered.
reasonable and necessary
services for palliation or   Services required for conditions totally unrelated
management of an enrollee's  to the terminal condition are covered to the extent
terminal illness.            that the services are covered under this contract.

J. Nursing Facility Services All admissions must be authorized by HEALTH          NONE
                             PLAN and provided by a HEALTH PLAN affiliated
Covered services include     facility.
regular nursing services,
rehabilitation services,     Participant must require and receive skilled
drugs and biologicals,       services on a daily basis as ordered by HEALTH
medical supplies, and the    PLAN physician. The length of the enrollee's stay
use of appliances and        shall be determined by the medical condition of
equipment furnished by the   the enrollee in relation to the necessary and
facility.                    appropriate level of care, but is no more than 100
                             days per contract year.

                             Room and board is limited to semi-private
                             accommodations unless a private room is considered
                             medically necessary or semi-private accommodations
                             are not available.

                             Specialized treatment centers and independent
                             kidney disease treatment centers are excluded.

                             Private duty nurses, television, and custodial care
                             are excluded.

                             Admissions for rehabilitation and physical therapy
                             are limited to fifteen days per contract year.

K. Durable Medical           Equipment and devices must be provided by            NONE
Equipment and Prosthetic     authorized HEALTH PLAN supplier.
Devices
                             Covered prosthetic devices include artificial eyes
Equipment and devices that   and limbs, braces, and other artificial aids.
are medically indicated to
assist in the treatment of   Low vision and telescopic lenses are not included.
a medical condition and
specifically prescribed as   Hearing aids are covered only when medically
medically necessary by       indicated to assist in the treatment of a medical
enrollee's HEALTH PLAN       condition.
physician.

L. Refractions               Enrollee must have failed vision screening by        $5 per visit
                             primary care physician.
Examination by a HEALTH                                                           $10 for corrective
PLAN optometrist to          Corrective lenses and frames are limited to one      lenses
determine the need for and   pair every two years unless head size or
to prescribe corrective      prescription changes.
lenses as medically
indicated.                   Coverage is limited to Medicaid frames with plastic
                             or SYL non-tinted lenses.

M. Pharmacy                  Prescribed drugs covered under this Agreement shall  $5 per prescription
                             include all prescribed drugs covered under the       for up to a 31-day
Prescribed drugs for the     Florida Medicaid program. HEALTH PLAN may implement  supply
treatment of illness or      a pharmacy benefit management program if FHKC so
injury or injury.            authorizes.

                             Brand name products are covered if a generic
                             substitution is not available or where the
                             prescribing physician indicates that a brand name
                             is medically necessary.

                             All medications must be dispensed through HEALTH
                             PLAN or a HEALTH PLAN designated pharmacy. All
                             prescriptions must be written by the participant's
</TABLE>

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 34 of 50
<PAGE>

<TABLE>
<CAPTION>
          BENEFIT                                  LIMITATIONS                      CO-PAYMENTS
---------------------------  ---------------------------------------------------  ----------------
<S>                          <C>                                                  <C>
                             primary care physician, HEALTH PLAN approved
                             specialist or consultant physician.

N. Transportation Services   Must be in response to an emergency situation.       $10 per service

Emergency transportation
as determined to be
medically necessary in
response to an emergency
situation.
</TABLE>

II.         Cost Sharing Provisions

HEALTH PLAN agrees to comply with all cost sharing restrictions imposed on FHKC
participants by federal or state laws and regulations, including the following
specific provisions:

      A.    Special Populations

            Enrollees identified by FHKC to HEALTH PLAN as Native Americans or
            Alaskan Natives are prohibited from paying any cost sharing amounts.

      B.    Cost Sharing Limited to No More than Five Percent of Family's Income
            FHKC may identify to HEALTH PLAN other enrollees who have met
            federal requirements regarding maximum out of pocket expenditures.
            Enrollees identified by FHKC as having met this threshold are not
            required to pay any further cost sharing for covered services for a
            time specified by FHKC.

      C.    HEALTH PLAN is responsible for informing its providers of these
            provisions and ensuring that enrollees under this section incur no
            further out of pocket costs for covered services and are not denied
            access to services. FHKC will provide these enrollees with a letter
            indicating that they may not incur any cost sharing obligations.

III.        Other Benefit Provision

            All requirements for prior authorizations must conform with federal
            and state regulations and must be completed within fourteen (14)
            days of request by the enrollee. Extensions to this process may be
            granted in accordance with federal and/or state regulations.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 35 of 50
<PAGE>

                                    EXHIBIT D

                    WORKER'S COMPENSATION, THIRD PARTY CLAIM
                    PERSONAL INJURY PROTECTION BENEFITS, AND
                            COORDINATION OF BENEFITS

A.          WORKER'S COMPENSATION

            Worker's compensation benefits are primary to all benefits that may
            be provided pursuant to this Agreement. In the event HEALTH PLAN
            provides services or benefits to a participant who is entitled to
            worker's compensation benefits, HEALTH PLAN shall complete and
            submit to the appropriate carrier, such forms, assignments, consents
            and releases as are necessary to enable HEALTH PLAN to obtain
            payment, or reimbursement, under the worker's compensation law.

B.          THIRD PARTY CLAIMS

            In the event HEALTH PLAN provides medical services or benefits to
            participants who suffer injury, disease or illness by virtue of the
            negligent act or omission of a third party, HEALTH PLAN shall be
            entitled to reimbursement from the participant, at the prevailing
            rate, for the reasonable value of the services or benefits provided.
            HEALTH PLAN shall not be entitled to reimbursement in excess of the
            participant's monetary recovery for medical expenses provided, from
            the third party.

C.          NO-FAULT, PERSONAL INJURY PROTECTION AND MEDICAL PAYMENTS COVERAGE

            As noted in the Florida Statutes (F.S. 641.31(8)), automobile
            no-fault, personal injury protection, and medical payments
            insurance, maintained by or for the benefit of the participant,
            shall be primary to all services or benefits that may be provided
            pursuant to this Agreement. In the event HEALTH PLAN provides
            services or benefits to a participant who is entitled to the
            aforesaid automobile insurance benefits, the parent/guardian or
            participant shall complete and submit to HEALTH PLAN, or to the
            automobile insurance carrier, such forms, assignments, consents and
            releases as are necessary to enable HEALTH PLAN to obtain payment or
            reimbursement from such automobile insurance carrier.

D.          COORDINATION OF BENEFITS AMONG HEALTH HEALTH PLAN

            HEALTH PLAN shall coordinate benefits in accordance with NAIC
            principles as may be amended from time to time. If any benefits to
            which a participant is entitled under this Agreement are also
            covered under any other group health benefit plan or insurance
            policy, the benefits hereunder shall be reduced to the extent that
            benefits are available to participant under such other plan or
            policy whether or not a claim is made for the same, subject to the
            following:

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 36 of 50
<PAGE>

                                    EXHIBIT D
                                   (CONTINUED)

      1.    The rules establishing the order of benefit determination between
            this Agreement and other plan covering the participant on whose
            behalf a claim is made are as follows:

            (a)   The benefits of a policy or plan that covers the person as an
                  employee, member, or subscriber, other than as a dependent are
                  determined before those of the policy or plan that covers the
                  person as a dependent.

            (b)   Except as stated in paragraph C, when two or more policies or
                  plans cover the same child as a dependent of different
                  parents:

                  (l)The benefits of the policy or plan of the parent whose
                  birthday, excluding year of birth, falls earlier in a year are
                  determined before those of the policy of the parent whose
                  birthday, excluding year of birth, falls later in that year;
                  but

                  (2)If both parents have the same birthday, the benefits of the
                  policy or plan that covered the parent for a longer period of
                  time are determined before those of the policy or plan which
                  covered the parent for shorter period of time. However, if a
                  policy or plan subject to the rule based on the birthday of
                  the parents as stated above coordinates with an out-of-state
                  policy or plan which contains provisions under the benefits of
                  a policy or a person as a dependent of a male are determined
                  before those of a policy or plan which covers the person as a
                  dependent of a female and if, as a result, the policies or
                  plans do not agree in the order of benefits, the provisions or
                  the other policy or plan shall determine the order of
                  benefits.

            (c)   If two or more policies or plans cover a dependent child of
                  divorced or separated parents, benefits for the child are
                  determined in this order:

                  (l)First, the policy or plan of the parent with custody of the
                  child;

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 37 of 50
<PAGE>

                  (2)Second, the policy or plan of the spouse of the parent with
                  custody of the child, and (3)Third, the policy or plan of the
                  parent not having custody of the child. However, if the
                  specific terms of a court decree state that one of the parents
                  is responsible for the health care expenses of the child and
                  of the entity obliged to pay or provide the benefits of the
                  policy or plan or that parent has actual knowledge of those
                  terms, the benefits of that policy are determined first. This
                  does not apply with respect to any claim determination period
                  or plan or policy year during which any benefits are actually
                  paid or provided before the entity has that knowledge.

            (d)   The benefits of a policy or plan which covers a person as an
                  employee which is neither laid off nor retired, or as that
                  employee's dependent, are determined before those of a policy
                  or plan which covers that person as a laid off or retired
                  employee or as that employee's dependent. If the other policy
                  or plan is not subject to this rule, and if, as result, the
                  policies or plans do not agree on the order of benefits, this
                  paragraph shall not apply.

            (e)   If none of the rules in paragraph a, paragraph b, paragraph c,
                  or paragraph d, determine the order of benefits of the policy
                  or plan which covered an employee, member or subscriber for a
                  longer period of time are determined before those of the
                  policy or plan which covered that person for the shorter
                  period of time.

      2.    None of the above rules as to coordination of benefits shall limit
            the participant's right to receive direct health services hereunder.

      3.    Any participant claiming benefits under the Agreement shall furnish
            to HEALTH PLAN all information deemed necessary by it to implement
            this provision.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 38 of 50
<PAGE>

                                    EXHIBIT E

                       ACCESS AND CREDENTIALING STANDARDS

HEALTH PLAN shall maintain a medical staff, under contract, sufficient to permit
reasonably prompt medical service to all participants in accordance with the
following:

1.    Physician and Facility Standards

      A.  Physician and Medical Provider Standards

      HEALTH PLAN'S network shall include only board certified pediatricians and
      family practice physicians or physician extenders working under the direct
      supervision of a board certified practitioner to serve as primary care
      physicians in its provider network for Duval, Citrus, Escambia, Highlands,
      Martin, Putnam and Wakulla counties, as to HealthEase, and Broward,
      Miami-Dade, Hernando, Hillsborough, Lee, Orange, Osceola, Palm Beach,
      Pinellas, Seminole, as to Well Care.

      Primary care physicians must provide covered immunizations to enrollees.

      HEALTH PLAN may request that an individual provider be granted an
      exception to this policy by making such a request in writing to the
      Corporation and providing the provider's curriculum vitae and a reason why
      the provider should be granted an exception to the accepted standard. Such
      requests will be reviewed by the Corporation on a case by case basis and a
      written response will be made to HEALTH PLAN on the outcome of the
      request.

      B.  Facility Standards

      Facilities used for participants shall meet applicable accreditation and
      licensure requirements and meet facility regulations specified by the
      Agency for Health Care Administration.

2.    Geographical Access:

      A.  Primary Care Providers

      Geographical access to board certified family practice physicians,
      pediatric physicians, primary care dental providers or ARNP's, experienced
      in child health care, of approximately twenty (20) minutes driving time
      from residence to provider, except that this driving time limitation shall
      be reasonably extended in those areas where such limitation with respect
      to rural residence is unreasonable. In such instance, HEALTH PLAN shall
      provide access for urgent care through contracts with nearest providers.

      B.  Specialty Physician Services

      Specialty physician services, ancillary services and specialty hospital
      services are

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 39 of 50
<PAGE>

      to be available within sixty (60) minutes driving time from the
      participant's residence to provider. Driving time standards may be waived
      with sufficient justification if specialty care services are not
      obtainable due to a limitation of providers, such as in rural areas.

3.    Timely Treatment:

      Timely treatment by providers, such that the participant shall be seen by
      a provider in accordance with the following:

      A.  Emergency care shall be provided immediately;

      B.  Urgently needed care shall be provided within twenty-four (24) hours;

      C.  Routine care of patients who do not require emergency or urgently
          needed care shall be provided within seven (7) calendar days;

      D.  Follow-up care shall be provided as medically appropriate.

For the purposes of this section, the following definitions shall apply:

      Emergency care is that required for the treatment of an injury or acute
      illness that, if not treated immediately, could reasonably result in
      serious or permanent damage to the patient's health.

      Urgently needed care is that required within a twenty-four (24) hour
      period to prevent a condition from requiring emergency care.

      Routine care is that level of care that can be delayed without anticipated
      deterioration in the patient's medical condition for a period of seven (7)
      calendar days.

By utilization of the foregoing standards, FHKC does not intend to create
standards of care or access different from those that are deemed acceptable
within HEALTH PLAN service area. Rather FHKC intends that the provider timely
and appropriately respond to patient care needs, as they are presented, in
accordance with standards of care existing within the service area. In applying
the foregoing standards, the provider shall give due regard to the level of
discomfort and anxiety of the patient and/or parent.

In the event FHKC determines that HEALTH PLAN, or its providers, has failed to
meet the access standards herein set forth, FHKC shall provide HEALTH PLAN with
written notice of non-compliance. Such notice can be provided via facsimile or
other means, specifying the failure in such detail as will reasonably allow
HEALTH PLAN to investigate and respond. Failure of HEALTH PLAN to obtain
reasonable compliance or acceptable community care under the following
conditions shall constitute a breach of this agreement:

      A.  immediately upon receipt of notice for emergency or urgent problem; or

      B.  within ten (10) days of receipt of notice for routine visit access.

Such breach shall entitle FHKC to such legal and equitable relief as may be
appropriate. In particular, FHKC may direct its participants to obtain such
services outside HEALTH PLAN

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 40 of 50
<PAGE>

provider network as specified in Section 3-2-1 of this Agreement. HEALTH PLAN
shall be financially responsible for all services under this provision.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 41 of 50

<PAGE>

                                    EXHIBIT F

                              ELIGIBILITY STANDARDS

                        PARTICIPANT ELIGIBILITY CRITERIA

The following eligibility criteria for participation in the Healthy Kids Program
must be met:

1.    The participants must be children who are age 5 through 18. Participants
      who applied for coverage prior to July 1, 1998 are eligible for coverage
      through their 19th birthday.

      For Escambia, Duval and Highlands counties, some children may have age
      eligibility from age 1 to 5 based on date of application to the program.

      For Broward, Miami-Dade, Palm Beach and Pinellas some children may have
      age eligibility from age 3 to 5 based on date of application to the
      program.

2.    Participants must meet the eligibility criteria established under Section
      624.91, Florida Statutes, and as implemented by FHKC Board of Directors.

3.    Eligible participants may enroll during time periods established by FHKC
      Board of Directors and in accordance with Section 624.91, Florida
      Statutes.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 42 of 50
<PAGE>

                                    EXHIBIT G

                             REPORTING REQUIREMENTS

HEALTH PLAN shall provide the following reports and data tapes to FHKC according
to the time schedules detailed below. This information shall include all
services provided by HEALTH PLAN'S subcontractors. HEALTH PLAN is responsible
for ensuring that all subcontractors comply with these reporting requirements.

I.    Data Tape

      A quarterly data tape shall be prepared that will contain the following
      data fields. The tape shall reflect claims and encounters entered during
      the quarter and shall be delivered to FHKC according to the time table
      listed below. HEALTH PLAN shall also provide quarterly tapes that reflect
      claims run-off once the Agreement between HEALTH PLAN and FHKC terminates.

                       REQUIRED DATA FIELDS TO BE CAPTURED

      -     Provider's name, address and tax I.D. number (and payee's group
            number if applicable)

      -     Patient's name address, social security number, I.D. number, birth
            date, and sex

      -     Third party payor information, including amount(s) paid by other
            payor(s).

      -     Primary and secondary diagnosis code(s) and treatment(s) related to
            diagnosis

      -     Date(s) of service

      -     Procedure code(s)

      -     Unit(s) of service

      -     Total charge(s)

      -     Total payment(s)

      Additional required hospital fields include the following:

      -     Date and type of admission (emergency, outpatient, inpatient,
            newborn, etc.)

      -     For inpatient care: covered days and date of discharge

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 43 of 50
<PAGE>

                                    EXHIBIT G
                                   (CONTINUED)

      Specific pharmacy fields include:

      -     Pharmacy name and tax I.D. number

      -     Other payor information

      -     Rx number and date filled

      -     National drug code, manufacturer number, item number, package size,
            quantity, days supply

      -     Prescriber's Florida Department of Professional Regulations number

                       REQUIRED TAPE FORMAT SPECIFICATIONS

      The tape format is as follows or an alternative format as mutually agreed
      upon by both parties:

      -     1600 BPI

      -     EBCDIC

      -     9 Track

      -     no labels

      -     each file not to exceed 100 megs in size

      -     fixed record length

                         TIME TABLE FOR DELIVERY OF TAPE

<TABLE>
<CAPTION>
For encounters and claims processed during:        Claims tape  due to FHKC by:
-------------------------------------------        ----------------------------
<S>                                                <C>
January 1 - March 31                               April 15
April 1 - June 30                                  July 15
July 1 - September 30                              October 15
October 1 - December 31                            January 15
</TABLE>

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 44 of 50
<PAGE>

                                    EXHIBIT H

          CERTIFICATION REGARDING DEBARMENT, SUSPENSION, INELIGIBILITY,
                             AND VOLUNTARY EXCLUSION
                           CONTRACTS AND SUBCONTRACTS

THIS CERTIFICATION IS REQUIRED BY THE REGULATIONS IMPLEMENTING EXECUTIVE ORDER
12549, DEBARMENT AND SUSPENSION, SIGNED FEBRUARY 18, 1986. THE GUIDELINES WERE
PUBLISHED IN THE MAY 29, 1987, FEDERAL REGISTER (52 FED. REG., PAGES
20360-20369).

                                  INSTRUCTIONS

A.    Each HEALTH PLAN whose contract\subcontract equals or exceeds $25,000 in
federal monies must sign this certification prior to execution of each
contract\subcontract. Additionally, HEALTH PLAN'S who audit federal programs
must also sign, regardless of the contract amount. The Florida Healthy Kids
Corporation cannot contract with these types of HEALTH PLAN is if they are
debarred or suspended by the federal government.

B.    This certification is a material representation of fact upon which
reliance is placed when this contract\subcontract is entered into. If it is
later determined that the signer knowingly rendered an erroneous certification,
the Federal Government may pursue available remedies, including suspension
and/or debarment.

C.    HEALTH PLAN shall provide immediate written notice to the contract manager
at any time HEALTH PLAN learns that its certification was erroneous when
submitted or has become erroneous by reason of changed circumstances.

D.    The terms "debarred," "suspended," "ineligible," "person," "principal,"
and "voluntarily excluded," as used in this certification, have the meanings set
out in the Definitions and Coverage sections of rules implementing Executive
Order 12549. You may contact the contract manager for assistance in obtaining a
copy of those regulations.

E.    HEALTH PLAN agrees by submitting this certification that, it shall not
knowingly enter into any subcontract with a person who is debarred, suspended,
declared ineligible, or voluntarily excluded from participation in this
contract/subcontract unless authorized by the Federal Government.

F.    HEALTH PLAN further agrees by submitting this certification that it will
require each subcontractor of this contract/subcontract whose payment will equal
or exceed $25,000 in federal monies, to submit a signed copy of this
certification.

G.    The Florida Healthy Kids Corporation may rely upon a certification of a
HEALTH PLAN that it is not debarred, suspended, ineligible, or voluntarily
excluded from contracting\subcontracting unless it knows that the certification
is erroneous.

H.    This signed certification must be kept in the contract manager's file.
Subcontractor's certifications must be kept at the contractor's business
location.

                                  CERTIFICATION

The prospective HEALTH PLAN certifies, by signing this certification, that
neither he nor his principals is presently debarred, suspended, proposed for
debarment, declared ineligible, or voluntarily excluded from participation in
this contract/subcontract by any federal agency.

Where the prospective HEALTH PLAN is unable to certify to any of the statements
in this certification, such prospective HEALTH PLAN shall attach an explanation
to this certification.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 45 of 50
<PAGE>

Name and Address of Organization

HEALTHEASE OF FLORIDA, INC. 6800 DALE MABRY HIGHWAY, SUITE 268, TAMPA, FLORIDA
33614

BY:/s/ Todd S. Farha            9/8/03
   ---------------------------  ------
Signature                        Date

Todd S. Farha
-----------------------------
Name of Authorized Individual

Name and Address of Organization

WELL CARE HMO, INC. 6800 DALE MABRY HIGHWAY, SUITE 268, TAMPA, FLORIDA 33614

BY:/s/ Todd S. Farha            9/8/03
   ---------------------------  ------
Signature                        Date

Todd S. Farha
-----------------------------
Name of Authorized Individual

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 46 of 50
<PAGE>

                                    EXHIBIT I

                        CERTIFICATION REGARDING LOBBYING
           CERTIFICATION FOR CONTRACTS, GRANTS, LOANS AND COOPERATIVE
                                   AGREEMENTS

The undersigned certifies, to the best of his or her knowledge and belief, that:

(1)   No federal appropriated funds have been paid or will be paid, by or on
      behalf of the undersigned, to any person for influencing or attempting to
      influence an officer or employee of any agency, a member of congress, an
      officer or employee of congress, or an employee of a member of congress in
      connection with the awarding of any federal contract, the making of any
      federal grant, the making of any federal loan, the entering into of any
      cooperative agreement, and the extension, continuation, renewal,
      amendment, or modification of any federal contract, grant, loan, or
      cooperative agreement.

(2)   If any funds other than federal appropriated funds have been paid or will
      be paid to any person for influencing or attempting to influence an
      officer or employee of any agency, a member of congress, an officer or
      employee of congress, or an employee of a member of congress in connection
      with this federal contract, grant, loan, or cooperative agreement, the
      undersigned shall complete and submit Standard Form-LLL, "Disclosure Form
      to Report Lobbying," in accordance with its instructions.

(3)   The undersigned shall require that the language of this certification be
      included in the award documents for all subawards at all tiers (including
      subcontracts, subgrants, and contracts under grants, loans, and
      cooperative agreements) and that all subrecipients shall certify and
      disclose accordingly.

This certification is a material representation of fact upon which reliance was
placed when this transaction was made or entered into. Submission of this
certification is a prerequisite for making or entering into this transaction
imposed by section 1352, Title 31, U.S. Code. Any person who fails to file the
required certification shall be subject to a civil penalty of not less than
$10,000 and not more than $100,000 for each such failure.

Name and Address of Organization

HEALTHEASE OF FLORIDA, INC. 6800 DALE MABRY HIGHWAY, SUITE 268, TAMPA, FLORIDA
33614

BY:/s/ Todd S. Farha            9/8/03
   ---------------------------  ------
Signature                        Date

Todd S. Farha
-----------------------------
Name of Authorized Individual

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 47 of 50
<PAGE>

Name and Address of Organization

WELL CARE HMO, INC. 6800 DALE MABRY HIGHWAY, SUITE 268, TAMPA, FLORIDA 33614

BY:/s/ Todd S. Farha            9/8/03
   ---------------------------  ------
Signature                        Date

Todd S. Farha
-----------------------------
Name of Authorized Individual

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 48 of 50
<PAGE>

                                    EXHIBIT J

                                  CERTIFICATION

      REGARDING HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996

                                   COMPLIANCE

This certification is required for compliance with the requirements of the
Health Insurance Portability and Accountability Act of 1996 (HIPAA).

The undersigned HEALTH PLAN certifies and agrees as to abide by the following:

      1.    Protected Health Information. For purposes of this Certification,
            Protected Health Information shall have the same meaning as the term
            "protected health information" in 45 C.F.R. Section 164.501, limited
            to the information created or received by HEALTH PLAN from or on
            behalf of the FHKC.

      2.    Limits on Use and Disclosure of Protected Health Information (PHI)
            HEALTH PLAN shall not use or disclose Protected Health Information
            other than as permitted by this Contract or by federal and state
            law. HEALTH PLAN will use appropriate safeguards to prevent the use
            or disclosure of Protected Health Information for any purpose not in
            conformity with this Contract and federal and state law. HEALTH PLAN
            will not divulge, disclose, or communicate in any manner any
            Protected Health Information to any third party without prior
            written consent from the FHKC. HEALTH PLAN will report to the FHKC,
            within two (2) business days of discovery, any use or disclosure of
            Protected Health Information not provided for in this Contract of
            which HEALTH PLAN is aware. A violation of this paragraph shall be a
            material violation of this Contract.

      3.    Use and Disclosure of Information for Management, Administration,
            and Legal Responsibilities. HEALTH PLAN is permitted to use and
            disclose Protected Health Information received from FHKC for the
            proper management and administration of HEALTH PLAN or to carry out
            the legal responsibilities of HEALTHEASE, in accordance with 45
            C.F.R. 164.504(e)(4). Such disclosure is only permissible where
            required by law, or where HEALTH PLAN obtains reasonable assurances
            from the person to whom the Protected Health Information is
            disclosed that: (1) the Protected Health Information will be held
            confidentially, (2) the Protected Health Information will be used or
            further disclosed only as required by law or for the purposes for
            which it was disclosed to the person, and (3) the person notifies
            HEALTH PLAN of any instance of which it is aware in which the
            confidentiality of the Protected Health Information has been
            breached.

      4.    Disclosure to Subcontractors or Agents. HEALTH PLAN agrees to enter
            into a subcontract with any person, including a subcontractor or
            agent, to whom it provides Protected Health Information received
            from, or created or received by HEALTH PLAN on behalf of, the FHKC.
            Such subcontract shall contain the same terms, conditions, and
            restrictions that apply to HEALTH PLAN with respect to Protected
            Health Information.

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 49 of 50
<PAGE>

      5.    Access to Information. HEALTH PLAN shall make Protected Health
            Information available in accordance with federal and state law,
            including providing a right of access to persons who are the
            subjects of the Protected Health Information.

      6.    Amendment and Incorporation of Amendments. HEALTH PLAN shall make
            Protected Health Information available for amendment and to
            incorporate any amendments to the Protected Health Information in
            accordance with 45 C.F.R. Section 164.526.

      7.    Accounting for Disclosures. HEALTH PLAN shall make Protected Health
            Information available as required to provide an accounting of
            disclosures in accordance with 45 C.F.R. Section 164.528.

      8.    Access to Books and Records. HEALTH PLAN shall make its internal
            practices, books, and records relating to the use and disclosure of
            Protected Health Information received from, or created or received
            by HEALTH PLAN on behalf of, the FHKC to the Secretary of the
            Department of Health and Human Services or the Secretary's designee
            for purposes of determining compliance with the Department of Health
            and Human Services Privacy Regulations.

      9.    Termination. At the termination of this contract, HEALTH PLAN shall
            return all Protected Health Information that HEALTH PLAN still
            maintains in any form, including any copies or hybrid or merged
            databases made by HEALTH PLAN; or with prior written approval of the
            FHKC, the Protected Health Information may be destroyed by HEALTH
            PLAN after its use. If the Protected Health Information is destroyed
            pursuant to the FHKC's prior written approval, HEALTH PLAN must
            provide a written confirmation of such destruction to the FHKC. If
            return or destruction of the Protected Health Information is
            determined not feasible by the FHKC, HEALTH PLAN agrees to protect
            the Protected Health Information and treat it as strictly
            confidential.

CERTIFICATION

            HEALTH PLAN and the Florida Healthy Kids Corporation have caused
            this Certification to be signed and delivered by their duty
            authorized representatives, as of the date set forth below.

            HEALTHEASE:

            /s/ Todd S. Farha                           9/8/03
            -------------------                         ------
            Signature                                    Date

            Todd S. Farha, President & CEO
            -----------------------------------
            Name and Title of Authorized Signee

            WELL CARE HMO:

            /s/ Todd S. Farha                           9/8/03
            -----------------------------------         ------
            Signature                                    Date

            Todd S. Farha, President & CEO
            -----------------------------------
            Name and Title of Authorized Signee

HEALTH PLANS               Effective Dates: October 1, 2003 - September 30, 2005

                                  Page 50 of 50<PAGE>

                                                                  EXHIBIT 10.6

            (Contract Period September 1, 2004 to December 31, 2005)

     Contract With Eligible Medicare+Choice (M+C) Organization Pursuant to
    sections 1851 through 1859 of the Social Security Act for the operation
                 of a Medicare+Choice coordinated care plan(s)

                                CONTRACT (P01309)

                                     Between

    Centers for Medicare & Medicaid Services (hereinafter referred to as CMS)

                                       and

                           WellCare of Louisiana, Inc.
                -------------------------------------------------
                (hereinafter referred to as the M+C Organization)

CMS and the M+C Organization, an entity which has been determined to be an
eligible Medicare+Choice Organization by the Administrator of the Centers for
Medicare & Medicaid Services under 42 CFR 422.501, agree to the following for
the purposes of sections 1851 through 1859 of the Social Security Act
(hereinafter referred to as the Act):

(NOTE: Citations indicated in brackets are placed in the text of this contract
to note the authority for certain contract provisions in the regulations
promulgated pursuant to the Balanced Budget Act of 1997, as amended. All
references to part 422 are to 42 CFR part 422.)

<PAGE>

                                   Article I

                                Term of Contract

The term of this contract shall be from September 1, 2004 through December 31,
2005, after which the contract may be renewed for successive one-year periods in
accordance with 42 CFR 422.504(c). [422.504]

This contract governs the respective rights and obligations of the parties as of
the effective date set forth above, and supercedes any prior agreements between
the M+C Organization and CMS as of such date.

                                   Article II

                              Coordinated Care Plan

The Medicare+Choice Organization agrees to operate coordinated care plans (as
defined in 42 CFR 422.4(a)(1)), as described in its Adjusted Community Rate
(ACR) proposal as approved annually by CMS, in compliance with the requirements
of this contract and applicable Federal statutes, regulations, and policies.
This contract is deemed to incorporate any changes that are required by statute
to be implemented during the term of the contract and any regulations or
policies implementing or interpreting such statutory provisions. However, CMS
agrees that any regulation or policy statement it issues later than 30 days
prior to the date by which M+C Organizations are required to submit ACR
proposals to CMS, and which creates significant new operational costs of which
the M+C Organization did not have reasonable notice prior to such date, shall
not take effect in the next calendar year unless implementation during the next
calendar year is required by statute or in connection with litigation
challenging CMS' policies. CMS retains the authority to issue, with an effective
date during the term of this contract, policies to implement the statutory
requirement that M+C Organizations provide their enrollees those items and
services for which benefits are available under Medicare Parts A and B.
Clarifications or explanations of M+C operational requirements issued prior to
30 days prior to the date by which M+C Organizations are required to submit ACR
proposals are not considered to create new operational costs of which the M+C
organization did not have notice.

                                  Article III

           Functions To Be Performed By Medicare+Choice Organization

A. PROVISION OF BENEFITS

The M+C Organization agrees to provide enrollees in each of its M+C plans the
basic benefits as required under Section 422.101 and, to the extent applicable,
supplemental benefits under Section 422.102 and as established in the M+C
Organization's adjusted community rate (ACR) proposal as approved by CMS. The
M+C Organization agrees to provide access to such benefits as required under
subpart C in a manner consistent with professionally recognized standards of
health care and according to the access standards stated in Section 422.112. The
M+C Organization agrees to provide

                                       1

<PAGE>

post-hospital extended care services, should an M+C enrollee elect such
coverage, through a home skilled nursing facility according to the requirements
of section 1852(1) of the Act. A home skilled nursing facility is a facility in
which an M+C enrollee resided at the time of admission to the hospital, a
facility that provides services through a continuing care retirement community,
or a facility in which the spouse of the enrollee is residing at the time of the
enrollee's discharge from the hospital. [422.502(a)(3)]

B. ENROLLMENT REQUIREMENTS

1. The M+C Organization agrees to accept new enrollments, make enrollments
effective, process voluntary disenrollments, and limit involuntary
disenrollments, as provided in subpart B of part 422.

2. The M+C Organization shall comply with the provisions of Section 422.110
concerning prohibitions against discrimination in beneficiary enrollment.

      [422.502(a)(2)]

C. BENEFICIARY PROTECTIONS

1. The Medicare+Choice Organization agrees to comply with all requirements in
subpart M of part 422 governing coverage determinations, grievances, and
appeals. [422.502(a)(7)]

2. The Medicare+Choice Organization agrees to comply with the enrollee notice
and appeal procedures for the termination of provider services in Section
422.624 and Section 422.626.

3. The Medicare+Choice Organization agrees to comply with the confidentiality
and enrollee record accuracy requirements in Section 422.118.

4. Beneficiary Financial Protection. The M+C Organization agrees to comply with
the following requirements:

      (a) Each M+C Organization must adopt and maintain arrangements
satisfactory to CMS to protect its enrollees from incurring liability for
payment of any fees that are the legal obligation of the M+C Organization. To
meet this requirement the M+C Organization must --

      (i) Ensure that all contractual or other written arrangements with
providers prohibit the Organization's providers from holding any beneficiary
enrollee liable for payment of any fees that are the legal obligation of the M+C
Organization; and

      (ii) Indemnify the beneficiary enrollee for payment of any fees that are
the legal obligation of the M+C Organization for services furnished by providers
that do not contract, or that have not otherwise entered into an agreement with
the M+C Organization, to provide services to the organization's beneficiary
enrollees. [422.502(g)(l)]

      (b) The M+C Organization must provide for continuation of enrollee health
care benefits-

      (i) For all enrollees, for the duration of the contract period for which
CMS payments have been made; and

      (ii) For enrollees who are hospitalized on the date its contract with CMS
terminates, or, in the event of an insolvency, through the date of discharge.
[422.502(g)(2)]

      (c)In meeting the requirements of this section (C), other than the
provider contract requirements specified in paragraph (C)(3)(a) of this Article,
the M+C Organization may use--

      (i)   Contractual arrangements;

      (ii)  Insurance acceptable to CMS;

      (iii) Financial reserves acceptable to CMS; or

      (iv)  Any other arrangement acceptable to CMS. [422.502(g)(3)]

                                       2

<PAGE>

D. PROVIDER PROTECTIONS

1. The M+C Organization agrees to comply with all applicable provider
requirements in subpart E of part 422, including provider certification
requirements, anti-discrimination requirements, provider participation and
consultation requirements, the prohibition on interference with provider advice,
limits on provider indemnification, rules governing payments to providers, and
limits on physician incentive plans. [422.502(a)(6)]

2. Prompt Payment.

      (a) The M+C Organization must pay 95 percent of the "clean claims" within
30 days of receipt if they are claims for covered services that are not
furnished under a written agreement between the organization and the provider.

      (i) The M+C Organization must pay interest on clean claims that are not
paid within 30 days in accordance with sections 1816(c)(2)(B) and 1842(c)(2)(B)
of the Act.

      (ii) All other claims must be paid or denied within 60 calendar days from
the date of the request. [422.520(a)]

      (b) Contracts or other written agreements between the M+C Organization and
its providers must contain a prompt payment provision, the terms of which are
developed and agreed to by both the M+C Organization and the relevant provider.
[422.520(b)]

      (c) If CMS determines, after giving notice and opportunity for hearing,
that the M+C Organization has failed to make payments in accordance with
paragraph (2)(a) of this section, CMS may provide--

      (i) For direct payment of the sums owed to providers; and

      (ii) For appropriate reduction in the amounts that would otherwise be paid
to the M+C Organization, to reflect the amounts of the direct payments and the
cost of making those payments. [422.520(c)]

E. QUALITY ASSESSMENT AND PERFORMANCE IMPROVEMENT PROGRAM

1. The M+C Organization agrees to operate an ongoing quality assessment and
performance improvement program (as stated in 422.152 of subpart D).

2. Quality Assessment and Performance Improvement Projects: The M+C Organization
agrees to:

      (a) conduct quality assessment and performance improvement (QAPI) projects
as directed annually by CMS. These projects must be outcomes-oriented and
targeted at achieving demonstrable, sustained improvement in significant aspects
of specified clinical and non-clinical areas which can be expected to have a
favorable effect on enrollees' health outcomes and satisfaction. CMS shall
establish the obligations of the M+C Organization for the number and
distribution of projects among the required clinical and non-clinical areas.

      (b) In those years when CMS establishes a national improvement project for
the Medicare+Choice program, the M+C Organization shall participate in the
CMS-sponsored national QAPI initiative, unless the M+C Organization meets the
requirements for an exemption from the initiative.

3. Performance Measurement and Reporting: The M+C Organization shall measure
performance under its M+C plans using standard measures required by CMS, and
report (at the organization level) its performance to CMS. The standard measures
required by CMS during the term of this contract will be uniform data collection
and reporting instruments, to include the

                                       3

<PAGE>

Health Plan and Employer Data Information Set (HEDIS), Consumer Assessment of
Health Plan Satisfaction (CAHPS) survey, and Health Outcomes Survey (HOS). These
measures will address clinical areas, including effectiveness of care, enrollee
perception of care and use of services; and non-clinical areas including access
to and availability of services, appeals and grievances, and organizational
characteristics. [422.152(c)(1)&(2)].

4. Utilization Review: If the M+C Organization uses written protocols for
utilization review, those policies and procedures must reflect current standards
of medical practice in processing requests for initial or continued
authorization of services.[422.152(b)(3)]. The M+C Organization must also have
in effect mechanisms to detect both underutilization and overutilization of
services. [422.152(b)(4)].

5. Information Systems:

      (a) The M+C Organization must make available to CMS information on quality
and outcomes measures that will enable beneficiaries to compare health coverage
options and select among them, as provided in Section 422.64(c)(10).
422.152(b)(5)].

      (b) The M+C Organization must maintain a health information system that:

      (i) collects, analyzes and integrates the data necessary to implement its
quality assessment and performance improvement program, and

      (ii) assures that the information entered into the system (particularly
that received from providers) is reliable and complete.

      (c) The M+C Organization must make all collected data, including
information on quality and outcome measures, available to CMS to enable
beneficiaries to compare health coverage options and select among them, as
provided in Section 422.64(c)(10). [422.152(b)(5)]

6. External Review: The M+C Organization will have an agreement with an
independent quality review and improvement organization (review organization)
approved by CMS. [422.154(a)]

      (a) The agreement will be consistent with CMS guidelines and will:

      (i) Require that the M+C Organization allocate adequate space for use of
the review organization whenever it is conducting review activities and provide
all pertinent data, including patient care data, at the time the review
organization needs the data to carry out the reviews and make its
determinations, and

      (ii) Except in the case of complaints about quality, exclude review
activities that CMS determines would duplicate review activities conducted as
part of an accreditation process or as part of CMS monitoring. [422.154(b)]

F. COMPLIANCE PLAN

The M+C Organization agrees to implement a compliance plan in accordance with
the requirements of Section 422.501(b)(3)(vi).

      [422.501(b)(3)(vi)]

G. COMPLIANCE DEEMED ON THE BASIS OF ACCREDITATION: CMS may deem the M+C
Organization to have met the quality assessment and performance improvement
requirements of Section 422.152, the confidentiality and accuracy of enrollee
records requirements of Section 422.118, the anti-discrimination requirements of
Section 1852(b) of the Act, the access to services requirements of
Section 1852(d) of the Act, the advance directives requirements of Section
422.128, and/or the provider participation requirements of Section 1852(j)of the
Act if the M+C Organization is fully

                                       4

<PAGE>

accredited (and periodically reaccredited) by a private, national accreditation
organization approved by CMS and the accreditation organization used the
standards approved by CMS for the purposes of assessing the M+C Organization's
compliance with Medicare requirements. The provisions of Section 422.156 shall
govern the M+C Organization's use of deemed status to meet M+C program
requirements.

                                   Article IV

                         CMS Payment to M+C Organization

A. The M+C Organization agrees to develop its annual adjusted community rate
(ACR) proposal and submit to CMS all required information on premiums, benefits,
and cost sharing, as required under 42 CFR 422, subpart G. [422.502(a)(10)]

B. Methodology. CMS agrees to pay the M+C Organization under this contract in
accordance with the provisions of section 1853 of the Act and subpart F of part
422. [422.502(a)(9)]

C. Attestation of payment data (Attachments A, B, and C).

1. As a condition for receiving a monthly payment under paragraph B of this
article, subpart F of part 422, the M+C Organization agrees that its chief
executive officer (CEO), chief financial officer (CFO), or an individual
delegated with the authority to sign on behalf of one of these officers, and who
reports directly to such officer, must request payment under the contract on the
forms attached as Attachment A (enrollment attestation), Attachment B (risk
adjustment data), and Attachment C (adjusted community rate ( ACR) proposal
information attestation), hereto which attest to (based on best knowledge,
information and belief, as of the date specified on the attestation form) the
accuracy, completeness, and truthfulness of the data identified on these
attachments. Attachment A requires attestation based on best knowledge,
information, and belief, that each enrollee for whom the M+C Organization is
requesting payment is validly enrolled, or was validly enrolled during the
period for which payment is requested, in an M+C plan offered by the M+C
Organization. The M +C Organization shall submit completed enrollment
attestation forms to CMS, or its contractor, on a monthly basis. (NOTE: The
forms included as attachments to this contract are for reference only. CMS will
provide instructions for the completion and submission of the forms in separate
documents. M+C Organizations should not take any action on the forms until
appropriate CMS instructions become available.)

2. Attachment B requires that the CEO, CFO, or an individual delegated with the
authority to sign on behalf of one of these officers, and who reports directly
to such officer, must attest to (based on best knowledge, information and
belief, as of the date specified on the attestation form) that the risk
adjustment data it submits to CMS under Section 422.257 are accurate, complete,
and truthful. The M+C Organization shall make annual attestations of risk
adjustment data on Attachment B and according to a schedule to be published by
CMS. If such risk adjustment data are generated by a related entity, contractor,
or subcontractor of an M+CO, such entity, contractor, or subcontractor must
similarly attest to (based on best knowledge, information, and

                                       5

<PAGE>

belief, as of the date specified on the attestation form) the accuracy,
completeness, and truthfulness of the data. [422.502(1)]

3. The CEO, CFO, or an individual delegated with the authority to sign on behalf
of one of these officers, and who reports directly to such officer, must attest
(based on best knowledge, information and belief, as of the date specified on
the attestation form) that the information and documentation comprising the ACR
proposal is accurate, complete, and truthful and fully conforms to the ACRP
requirements; and that the benefits described in the CMS-approved ACR proposal
agree with the benefit package the M+C Organization will offer during the period
covered by the ACR proposal. [422.502(1)]

                                    Article V

      M+C Organization Relationship with Related Entities, Contractors, and
Subcontractors

A. Notwithstanding any relationship(s) that the M+C Organization may have with
related entities, contractors, or subcontractors, the M+C Organization maintains
full responsibility for adhering to and otherwise fully complying with all terms
and conditions of its contract with CMS.[422.502(i)(1)]

B. The M+C Organization agrees to require all related entities, contractors, or
subcontractors to agree that--

      (1) HHS, the Comptroller General, or their designees have the right to
inspect, evaluate, and audit any pertinent contracts, books, documents, papers,
and records of the related entity(s), contractor(s), or subcontractor(s)
involving transactions related to the contract; and

      (2) HHS's, the Comptroller General's, or their designee's right to
inspect, evaluate, and audit any pertinent information for any particular
contract period will exist through 6 years from the final date of the contract
period or from the date of completion of any audit, whichever is later.
[422.502(i)(2)]

C. The M+C Organization agrees that all contracts or written arrangements into
which the M+C Organization enters with providers, related entities, contractors,
or subcontractors shall contain the following elements:

      (1) Enrollee protection provisions that provide--

      (a) Consistent with Article III(C), arrangements that prohibit providers
from holding an enrollee liable for payment of any fees that are the legal
obligation of the M+C Organization; and

      (b) Consistent with Article III(C), provision for the continuation of
benefits.

      (2) Accountability provisions that indicate that--

      (a) The M+C Organization oversees and is accountable to CMS for any
functions or responsibilities that are described in these standards; and

      (b) The M+C Organization may only delegate activities or functions to a
provider, related entity, contractor, or subcontractor in a manner consistent
with requirements set forth at paragraph D of this article.

                                       6

<PAGE>

      (3) A provision requiring that any services or other activity performed by
a related entity, contractor or subcontractor in accordance with a contract or
written agreement between the related entity, contractor, or subcontractor and
the M+C Organization will be consistent and comply with the M+C Organization's
contractual obligations to CMS.

      [422.502(i)(3)]

D. If any of the M+C Organization's activities or responsibilities under this
contract with CMS are delegated to other parties, the following requirements
apply to any related entity, contractor, subcontractor, or provider:

      (1) Written arrangements must specify delegated activities and reporting
responsibilities.

      (2) Written arrangements must either provide for revocation of the
delegation activities and reporting requirements or specify other remedies in
instances where CMS or the M+C Organization determine that such parties have not
performed satisfactorily.

      (3) Written arrangements must specify that the performance of the parties
is monitored by the M+C Organization on an ongoing basis.

      (4) Written arrangements must specify that either--

      (a) The credentials of medical professionals affiliated with the party or
parties will be either reviewed by the M+C Organization; or

      (b) The credentialing process will be reviewed and approved by the M+C
Organization and the M+C Organization must audit the credentialing process on an
ongoing basis.

      (5) All contracts or written arrangements must specify that the related
entity, contractor, or subcontractor must comply with all applicable Medicare
laws, regulations, and CMS instructions. [422.502(i)(4)]

E. If the M+C Organization delegates selection of the providers, contractors, or
subcontractors to another organization, the M+C Organization's written
arrangements with that organization must state that the M+C Organization retains
the right to approve, suspend, or terminate any such arrangement.
[422.502(i)(5)]

                                   Article VI

                              Records Requirements

A. MAINTENANCE OF RECORDS

1. The M+C Organization agrees to maintain for 6 years books, records,
documents, and other evidence of accounting procedures and practices that--

      (a) Are sufficient to do the following:

      (i) Accommodate periodic auditing of the financial records (including data
related to Medicare utilization, costs, and computation of the ACR) of the M+C
Organization.

      (ii) Enable CMS to inspect or otherwise evaluate the quality,
appropriateness and timeliness of services performed under the contract, and the
facilities of the M+C Organization.

      (iii) Enable CMS to audit and inspect any books and records of the M+C
Organization that pertain to the ability of the organization to bear the risk of
potential financial losses, or to services performed or determinations of
amounts payable under the contract.

                                       7

<PAGE>

      (iv) Properly reflect all direct and indirect costs claimed to have been
incurred and used in the preparation of the ACR proposal.

      (v) Establish component rates of the ACR for determining additional and
supplementary benefits.

      (vi) Determine the rates utilized in setting premiums for State insurance
agency purposes and for other government and private purchasers; and

      (b) Include at least records of the following:

      (i) Ownership and operation of the M+C Organization's financial, medical,
and other record keeping systems.

      (ii) Financial statements for the current contract period and six prior
periods.

      (iii) Federal income tax or informational returns for the current contract
period and six prior periods.

      (iv) Asset acquisition, lease, sale, or other action.

      (v) Agreements, contracts, and subcontracts.

      (vi) Franchise, marketing, and management agreements.

      (vii) Schedules of charges for the M+C Organization's fee-for-service
patients. (viii) Matters pertaining to costs of operations.

      (ix) Amounts of income received, by source and payment.

      (x) Cash flow statements.

      (xi) Any financial reports filed with other Federal programs or State
authorities. [422.502(d)]

2. Access to facilities and records. The M+C Organization agrees to the
following:

      (a) The Department of Health and Human Services (HHS), the Comptroller
General, or their designee may evaluate, through inspection or other means--

      (i) The quality, appropriateness, and timeliness of services furnished to
Medicare enrollees under the contract;

      (ii) The facilities of the M+C Organization; and

      (iii) The enrollment and disenrollment records for the current contract
period and six prior periods.

      (b) HHS, the Comptroller General, or their designees may audit, evaluate,
or inspect any books, contracts, medical records, documents, papers, patient
care documentation, and other records of the M+C Organization, related entity,
contractor, subcontractor, or its transferee that pertain to any aspect of
services performed, reconciliation of benefit liabilities, and determination of
amounts payable under the contract, or as the Secretary may deem necessary to
enforce the contract.

      (c) The M+C Organization agrees to make available, for the purposes
specified in section (A) of this article, its premises, physical facilities and
equipment, records relating to its Medicare enrollees, and any additional
relevant information that CMS may require, in a manner that meets CMS record
maintenance requirements.

      (d) HHS, the Comptroller General, or their designee's right to inspect,
evaluate, and audit extends through 6 years from the final date of the contract
period or completion of audit, whichever is later unless-

      (i) CMS determines there is a special need to retain a particular record
or group of records for a longer period and notifies the M+C Organization at
least 30 days before the normal disposition date;

                                       8

<PAGE>

      (ii) There has been a termination, dispute, or fraud or similar fault by
the M+C Organization, in which case the retention may be extended to 6 years
from the date of any resulting final resolution of the termination, dispute, or
fraud or similar fault; or

      (iii) HHS, the Comptroller General, on their designee determine that there
is a reasonable possibility of fraud, in which case they may inspect, evaluate,
and audit the M+C Organization at anytime. [422.502(e)]

B. REPORTING REQUIREMENTS

1. The M+C Organization shall have an effective procedure to develop, compile,
evaluate, and report to CMS, to its enrollees, and to the general public, at the
times and in the manner that CMS requires, and while safeguarding the
confidentiality of the doctor-patient relationship, statistics and other
information as described in the remainder of this section (B). [422.516(a)]

2. The M+C Organization agrees to submit to CMS certified financial information
that must include the following:

      (a) Such information as CMS may require demonstrating that the
organization has a fiscally sound operation, including:

      (i) The cost of its operations;

      (ii) A description, submitted to CMS annually and within 120 days of the
end of the fiscal year, of significant business transactions (as defined in
Section 422.500) between the M+C Organization and a party in interest showing
that the costs of the transactions listed in paragraph (2)(a)(v) of this section
do not exceed the costs that would be incurred if these transactions were with
someone who is not a party in interest; or

      (iii) If they do exceed, a justification that the higher costs are
consistent with prudent management and fiscal soundness requirements.

      (iv) A combined financial statement for the M+C Organization and a party
in interest if either of the following conditions is met:

      (aa) Thirty-five percent or more of the costs of operation of the M+C
Organization go to a party in interest.

      (bb) Thirty-five percent or more of the revenue of a party in interest is
from the M+C Organization. (422.516(b)]

      (v) Requirements for combined financial statements.

      (aa) The combined financial statements required by paragraph (2)(a)(iv)
must display in separate columns the financial information for the M+C
Organization and each of the parties in interest.

      (bb) Inter-entity transactions must be eliminated in the consolidated
column.

      (cc) The statements must have been examined by an independent auditor in
accordance with generally accepted accounting principles and must include
appropriate opinions and notes,

      (dd) Upon written request from the M+C Organization showing good cause,
CMS may waive the requirement that the organization's combined financial
statement include the financial information required in paragraph (2)(a)(v) with
respect to a particular entity. [422.516(c)]

      (vi) A description of any loans or other special financial arrangements
the M+C Organization makes with contractors, subcontractors, and related
entities.

      (b) Such information as CMS may require pertaining to the disclosure of
ownership and control of the M+C Organization. [422.502(f)(1)(ii)]

      (c) Patterns of utilization of the M+C organization's services.

                                       9

<PAGE>

3. The M+C Organization agrees to participate in surveys required by CMS and to
submit to CMS all information that is necessary for CMS to administer and
evaluate the program and to simultaneously establish and facilitate a process
for current and prospective beneficiaries to exercise choice in obtaining
Medicare services. This information includes, but is not limited to:

      (a) The benefits covered under the M+C plan;

      (b) The M+C monthly basic beneficiary premium and M+C monthly supplemental
beneficiary premium, if any, for the plan.

      (c)The service area and continuation area, if any, of each plan and the
enrollment capacity of each plan;

      (d) Plan quality and performance indicators for the benefits under the
plan including --

      (i) Disenrollment rates for Medicare enrollees electing to receive
benefits through the plan for the previous 2 years;

      (ii) Information on Medicare enrollee satisfaction;

      (iii) The patterns of utilization of plan services;

      (iv) The availability, accessibility, and acceptability of the plan's
services;

      (v) Information on health outcomes and other performance measures required
by CMS;

      (vi) The recent record regarding compliance of the plan with requirements
of this part, as determined by CMS; and

      (vii) Other information determined by CMS to be necessary to assist
beneficiaries in making an informed choice among M+C plans and traditional
Medicare;

      (e) Information about beneficiary appeals and their disposition;

      (f) Information regarding all formal actions, reviews, findings, or other
similar actions by States, other regulatory bodies, or any other certifying or
accrediting organization;

      (g) Any other information deemed necessary by CMS for the administration
or evaluation of the Medicare program. [422.502(f)(2)]

4. The M+C Organization agrees to provide to its enrollees and upon request, to
any individual eligible to elect an M+C plan, all informational requirements
under Section 422.64 and, upon an enrollee's, request, the financial disclosure
information required under Section 422.516. [422.502(F)(3)]

5. Reporting and disclosure under ERISA.

      (a) For any employees' health benefits plan that includes an M+C
Organization in its offerings, the M+C Organization must furnish, upon request,
the information the plan needs to fulfill its reporting and disclosure
obligations (with respect to the M+C Organization) under the Employee
Retirement Income Security Act of 1974 (ERISA).

      (b) The M+C Organization must furnish the information to the employer or
the employer's designee, or to the plan administrator, as the term
"administrator" is defined in ERISA. [422.516(d)]

6. Electronic communication. The M+C Organization must have the capacity to
communicate with CMS electronically. [422.502(b)]

7. Risk Adjustment data. The M+C Organization agrees to comply with the
requirements in Section 422.257 for submitting risk adjustment data to CMS.
[422.502(a)(8)]

                                       10

<PAGE>

                                   Article VII

                          Renewal of the M+C Contract

A. Renewal of contract: In accordance with Section 422.506, the contract is
renewable annually only if-

      (1) CMS informs the M+C Organization that it authorizes a renewal; and

      (2) The M+C Organization has not provided CMS with a notice of intention
not to renew. [422.504(c)]

B. Nonrenewal of contract:

      (1) Nonrenewal by the Organization.

      (a) In accordance with Section 422.506, the M+C Organization may elect not
to renew its contract with CMS as of the end of the term of the contract for any
reason, provided it meets the time frames for doing so set forth in paragraphs
(b) and (c) of this paragraph.

      (b) If the M+C Organization does not intend to renew its contract, it must
notify--

      (i) CMS in writing, by the date established pursuant to Section 422.506 or
by the date established through statute.

      (ii) Each Medicare enrollee, at least 90 days before the date on which the
nonrenewal is effective. This notice must include a written description of all
alternatives available for obtaining Medicare services within the service area
of the M+C plans that the M+C Organization offers, including alternative M+C
plans, original Medicare, and Medigap options and must receive CMS approval.

      (iii) The general public, at least 90 days before the end of the current
calendar year, by publishing a CMS-approved notice in one or more newspapers of
general circulation in each community located in the M+C Organization's service
area.

      (c) CMS may accept a nonrenewal notice submitted after the applicable
annual non-renewal notice deadline if --

      (i) The M+C Organization notifies its Medicare enrollees and the public in
accordance with paragraph (1)(b)(ii) and (1)(b)(iii) of this section; and

      (ii) Acceptance is not inconsistent with the effective and efficient
administration of the Medicare program.

      (d) If the M+C Organization does not renew a contract under this paragraph
(1), CMS will not enter into a contract with the Organization for 2 years from
the date of contract separation unless there are special circumstances that
warrant special consideration, as determined by CMS. This provision shall not
apply when statutory or regulatory changes are made to the M+C program within
six (6) months of the M+C Organization's notice of withdrawal that would
increase payments for the service area from which the M+C Organization had
withdrawn. [422.506(a)]

      (2) CMS decision not to renew,

      (a) CMS may elect not to authorize renewal of a contract for any of the
following reasons:

      (i) The M+C Organization has not fully implemented or shown discernable
progress in implementing quality assessment and performance improvement projects
as defined in Article III, section (E)(2) of this contract.

                                       11

<PAGE>

      (ii) For any of the reasons listed in Section 422.510(a) [Article VIII,
section (B)(1)(a) of this contract], which would also permit CMS to terminate
the contract.

      (iii) The M+C Organization has committed any of the acts in Section
422.752(a) that would support the imposition of intermediate sanctions or civil
money penalties under subpart of part 422.

      (b) Notice. CMS shall provide notice of its decision whether to authorize
renewal of the contract as follows:

      (i) To the M+C Organization by May [ILLEGIBLE] of the contract year.

      (ii) To the M+C Organization's Medicare enrollees by mail at least 90
days before the end of the current calendar year.

      (iii) To the general public at least 90 days before the end of the current
calendar year, by publishing a notice in one or more newspapers of general
circulation in each community or county located in the M+C Organization's
service area.

      (c) Notice of appeal rights. CMS shall give the M+C Organization written
notice of its right to reconsideration of the decision not to renew in
accordance with Section 422.644.
      [422.506](b)]

                                  Article VIII

                  Modification or Termination of the Contract

A. Modification or Termination of Contract by Mutual Consent

1.This contract may be modified or terminated at any time by written mutual
consent.

      (a) If the contract is terminated by mutual consent, except as provided in
section (B)(1)(c) of this article, the M+C Organization must provide notice to
its Medicare enrollees and the general public as provided in Section
422.512(b)(2) and (b)(3) [Article VIII, section B(2)(b) of this contract].

      (b) If the contract is modified by mutual consent, the M+C Organization
must notify its Medicare enrollees of any changes that CMS determines are
appropriate for notification within time frames specified by CMS.

2. If this contract is terminated by mutual consent and replaced the day
following such termination by a new M+C contract, the M+C Organization is not
required to provide the notice specified in section B of this article.
      [422.508]

B. Termination of the Contract by CMS or the M+C Organization

1. Termination by CMS.

      (a) CMS may terminate a contract for any of the following reasons:

      (i) The M+C Organization has failed substantially to carry out the terms
of its contract with CMS.

      (ii) The M+C Organization is carrying out its contract with CMS in a
manner that is inconsistent with the effective and efficient implementation of
42 CFR part 422.

      (iii) CMS determines that the M+C Organization no longer meets the
requirements of this part for being a contracting organization.

                                       12
<PAGE>

      (iv) The M+C Organization commits or participates in fraudulent or abusive
activities affecting the Medicare program, including submission of fraudulent
data.

      (v) The M+C Organization experiences financial difficulties so severe that
its ability to make necessary health services available is impaired to the point
of posing an imminent and serious risk to the health of its enrollees, or
otherwise fails to make services available to the extent that such a risk to
health exists.

      (vi) The M+C Organization substantially fails to comply with the
requirements in subpart M of this part relating to grievances and appeals.

      (vii) The M+C Organization fails to provide CMS with valid risk adjustment
data as required under Section 422.257.

      (viii) The M+C Organization fails to implement an acceptable quality
assessment and performance improvement program as required under subpart D of
part 422.

      (ix) The M+C Organization substantially fails to comply with the prompt
payment requirements in Section 422.520.

      (x) The M+C Organization substantially fails to comply with the service
access requirements in Section 422.112 or Section 422.114.

      (xi) The M+C Organization fails to comply with the requirements of Section
422.208 regarding physician incentive plans.

      (xii) The M+CO substantially fails to comply with the marketing
requirements in 422.80.

      (b) Notice. If CMS decides to terminate a contract for reasons other than
the grounds specified in section (B)(1)(a) above, it will give notice of the
termination as follows:

      (i) CMS will notify the M+C Organization in writing 90 days before the
intended date of the termination.

      (ii) The M+C Organization will notify its Medicare enrollees of the
termination by mail at least 30 days before the effective date of the
termination.

      (iii) The M+C Organization will notify the general public of the
termination at least 30 days before the effective date of the termination by
publishing a notice in one or more newspapers of general circulation in each
community or county located in the M+C Organization's service area.

      (c) Immediate termination of contract by CMS.

      (i) For terminations based on violations prescribed in paragraph
(B)(1)(a)(v) of this article, CMS will notify the M+C Organization in writing
that its contract has been terminated effective the date of notice of the
termination decision by CMS. If termination is effective in the middle of a
month, CMS has the right to recover the prorated share of the capitation
payments made to the M+C Organization covering the period of the month following
the contract termination.

      (ii) CMS will notify the M+C Organization's Medicare enrollees in writing
of CMS' decision to terminate the M+C Organization's contract. This notice will
occur no later than 30 days after CMS notifies the plan of its decision to
terminate this contract. CMS will simultaneously inform the Medicare enrollees
of alternative options for obtaining Medicare services, including alternative
M+C Organizations in a similar geographic area and original Medicare.

      (iii) CMS will notify the general public of the termination no later than
30 days after notifying the M+C Organization of CMS' decision to terminate this
contract. This notice will be

                                       13

<PAGE>

published in one or more newspapers of general circulation in each community or
county located in the M+C Organization's service area.

      (d) Corrective action plan

      (i) General. Before terminating a contract for reasons other than the
grounds specified in section (B)(1)(a)(v) of this article, CMS will provide the
M+C Organization with reasonable opportunity, not to exceed time frames
specified at subpart N of part 422, to develop and receive CMS approval of a
corrective action plan to correct the deficiencies that are the basis of the
proposed termination.

      (ii) Exception. If a contract is terminated under section (B)(1)(a)(v) of
this article, the M+C Organization will not have the opportunity to submit a
corrective action plan.

      (e) Appeal rights. If CMS decides to terminate this contract, it will send
written notice to the M+C Organization informing it of its termination appeal
rights in accordance with subpart N of part 422.

      [422.510]

2. Termination by the M+C Organization

      (a) Cause for termination. The M+C (Organization may terminate this
contract if CMS fails to substantially carry out the terms of the contract.

      (b) Notice. The M+C Organization must give advance notice as follows:

      (i) To CMS, at least 90 days before the intended date of termination. This
notice must specify the reasons why the M+C Organization is requesting contract
termination.

      (ii) To its Medicare enrollees, at least 60 days before the termination
effective date. This notice must include a written description of alternatives
available for obtaining Medicare services within the service area, including
alternative M+C plans, Medigap options, and original Medicare and must receive
CMS approval.

      (iii) To the general public at least 60 days before the termination
effective date by publishing a CMS-approved notice in one or more newspapers of
general circulation in each community or county located in the M+C
Organization's geographic area.

      (c) Effective date of termination. The effective date of the termination
will be determined by CMS and will be at least 90 days after the date CMS
receives the M+C Organization's notice of intent to terminate.

      (d) CMS' liability. CMS' liability for payment to the M+C Organization
ends as of the first day of the month after the last month for which the
contract is in effect, but CMS shall make payments for amounts owed prior to
termination but not yet paid.

      (e) Effect of termination by the organization. CMS will not enter into an
agreement with the M+C Organization for a period of two years from the date the
Organization has terminated this contract, unless there are circumstances that
warrant special consideration, as determined by CMS. [422.512]

                                   Article IX

                  Requirements of Other Laws and Regulations

A. The M+C Organization agrees to comply with --

                                       14

<PAGE>

      (1) Title VI of the Civil Rights Act of 1964 as implemented by regulations
at 45 CFR part 84;

      (2) The Age Discrimination Act of 1975 as implemented by regulations at 45
CFR part 91;

      (3) The Americans With Disabilities Act;

      (4) The Rehabilitation Act of 1973;

      (5) The Health Insurance Portability and Accountability Act;

      (6) Other laws applicable to recipients of Federal funds; and

      (7) All other applicable laws, regulations, and rules.
      [422.502(h)(1)]

B. The M+C Organization is receiving Federal payments under this contract, and
related entities, contractors, and subcontractors paid by the M+C Organization
to fulfill its obligations under this contract are subject to certain laws that
are applicable to individuals and entities receiving Federal funds. The M+C
Organization agrees to inform all related entities, contractors and
subcontractors that payments that they receive are, in whole or in part, from
Federal funds.
      [422.502(h)(2)]

C. In the event that any provision of this contract conflicts with the
provisions of any statute or regulation applicable to an M+C Organization, the
provisions of the statute or regulation shall have full force and effect.

                                    Article X

                                  Severability

The M+C Organization agrees that, upon CMS' request, this contract will be
amended to exclude any M+C plan or State-licensed entity specified by CMS, and a
separate contract for any such excluded plan or entity will be deemed to be in
place when such a request is made.
      [422.502(k)]

                                       15
<PAGE>

In witness whereof, the parties hereby execute this contract.

FOR THE M+C ORGANIZATION

Thaddeus Bereday                   Sr. Vice President & General Counsel
-------------------------------    ------------------------------------
Printed Name                       Title

/s/ Thaddeus Bereday               August 26,2004
-------------------------------    ------------------------------------
Signature                          Date

WellCare of Louisiana, Inc.        P.O. Box 25735, Tampa, FL 33622-5735
-------------------------------    ------------------------------------
Organization                       Address

 FOR THE CENTERS FOR MEDICARE & MEDICAID SERVICES

[ILEEGIBLE]                        [ILEEGIBLE]
-------------------------------    ------------------------------------
Director                            Date
Health Plan Benefits Group
Center for Beneficiary Choices

                                       16
<PAGE>

                                   ATTACHMENT A

                      ATTESTATION OF ENROLLMENT INFORMATION
                             RELATING TO CMS PAYMENT
                       TO A MEDICARE+CHOICE ORGANIZATION

      Pursuant to the contract(s) between the Centers for Medicare & Medicaid
Services (CMS) and (INSERT NAME OF M+C ORGANIZATION). hereafter referred to as
the M+C Organization, governing the operation of the following Medicare+Choice
plans (INSERT PLAN IDENTIFICATION NUMBERS HERE), the M+C Organization hereby
requests payment under the contract, and in doing so, makes the following
attestation concerning CMS payments to the M+C Organization. The M+C
Organization acknowledges that the information described below directly affects
the calculation of CMS payments to the M+C Organization and that
misrepresentations to CMS about the accuracy of such information may result in
Federal civil action and/or criminal prosecution. This attestation shall not be
considered a waiver of the M+C Organization's right to seek payment adjustments
from CMS based on information or data which does not become available until
after the date the M+C Organization submits this attestation.

      1. The M+C Organization has reported to CMS for the month of (INDICATE
MONTH AND YEAR) all new enrollments, disenrollments, and changes in enrollees'
institutional status with respect to the above-stated M+C plans. Based on best
knowledge, information, and belief as of the date indicated below, all
information submitted to CMS in this report is accurate, complete, and truthful.

      2. The M+C Organization has reviewed the CMS monthly membership report and
reply listing for the month of (INDICATE MONTH AND YEAR) for the above-stated
M+C plans and has reported to CMS any discrepancies between the report and the
M+C Organization's records. For those portions of the monthly membership report
and the reply listing to which the M+C Organization raises no objection, the M+C
Organization, through the certifying CEO/CFO, will be deemed to have attested,
based on best knowledge, information, and belief as of the date indicated below,
to their accuracy, completeness is, and truthfulness.

                                     ______________________________________
                                    (INDICATE TITLE [CEO, CFO, or delegate])
                                                on behalf of

                                    WellCare of Louisiana, Inc.

                                    _______________________________________
                                    DATE

                                       17
<PAGE>

                                  ATTACHMENT B

           ATTESTATION OF RISK ADJUSTMENT DATA INFORMATION RELATING TO
                 CMS PAYMENT TO A MEDICARE+CHOICE ORGANIZATION

      Pursuant to the contract(s) between the Centers for Medicare & Medicaid
Services (CMS) and (INSERT NAME OF M+C ORGANIZATION), hereafter referred to as
the M+C Organization, governing the operation of the following Medicare+Choice
plans (INSERT PLAN IDENTIFICATION NUMBERS HERE), the M+C Organization hereby
requests payment under the contract, and in doing so, makes the following
attestation concerning CMS payments to the M+C Organization. The M+C
Organization acknowledges that the information described below directly affects
the calculation of CMS payments to the M+C Organization or additional benefit
obligations of the M+C Organization and that misrepresentations to CMS about the
accuracy of such information may result in Federal civil action and/or criminal
prosecution.

      The M+C Organization has reported to CMS for the period of (INDICATE
DATES) all (INDICATE TYPE OF DATA-INPATIENT HOSPITAL OUTPATIENT HOSPITAL, OR
PHYSICIAN) risk adjustment data available to the M+C Organization with respect
to the above-stated M+C plans. Based on best knowledge, information, and belief
as of the date indicated below, all information submitted to CMS in this report
is accurate, complete, and truthful.

                                    _______________________________________
                                    (INDICATE TITLE [CEO, CFO, or delegate])
                                                on behalf of

                                    WelCare of Louisiana, Inc.

                                    _______________________________________
                                    DATE

                                       18
<PAGE>

                                  ATTACHMENT C

          ATTESTATION OF ADJUSTED COMMUNITY RATE INFORMATION RELATING
                TO CMS PAYMENT TO A MEDICARE+CHOICE ORGANIZATION

      Pursuant to the contract(s) between the Centers for Medicare & Medicaid
Services (CMS) and WellCare of Louisiana, Inc. hereafter referred to as the
M+C Organization, governing the operation of the following Medicare+Choice plan
(H1903) the M+C Organization hereby requests payment under the contract, and in
doing so, makes the following attestation concerning CMS payments to the M+C
Organization. The M+C Organization acknowledges that the information described
below directly affects the calculation of CMS payments to the M+C Organization
or additional benefit obligations of the M+C Organization and that
misrepresentations to CMS about the accuracy of such information may result in
Federal civil action and/or criminal prosecution.

      The M+C Organization has submitted to CMS an adjusted community rate (ACR)
proposal for the period of September 1, 2004 through December 31, 2004. Based on
best knowledge, information, and belief as of the date indicated below, all of
the information submitted to CMS in this ACR proposal is accurate, complete, and
truthful, and the benefit package the M+C Organization will offer during the
above-stated period agrees with the CMS-approved ACR proposal.

                                    /s/ Thaddeus Bereday
                                    ---------------------------------------
                                    Thaddeus Bereday
                                    Senior Vice President & General Counsel

                                    on behalf of
                                    WellCare of Louisiana, Inc.

                                    August 26, 2004
                                    --------------------------------------
                                    DATE

                                       19
<PAGE>

                                                                 [WELLCARE LOGO]

                                                                    CHIP EDMUNDS
                             Director, Corporate Regulatory Affairs & Compliance

<TABLE>
<S>                                      <C>
WELL CARE HEALTH PLANS, INC.             August 26, 2004

The WellCare Group of Companies

                                         Mr. Mervyn John, Plan Manager
WELLCARE OF FLORIDA, INC.                Department of Health and Human Services,
                                         Centers for Medicare and Medicaid Services
                                         Health Plan Benefits Group
HEALTHEASE OF FLORIDA, INC.              7500 Security Blvd.
WELLCARE OF NEW YORK, INC.               Baltimore, MD 21244-1849

FIRSTCHOICE HEALTHPLANS                  Dear Mr. John:
     OF CONNECTICUT, INC.
HARMONY BEHAVIORAL HEALTH, INC.          WellCare is very pleased to extend our commitment to the Medicare Advantage
WELLCARE OF LOUISIANA,INC.               program though a new contract with CMS to provide Medicare services to recipients in
COMPREHENSIVE HEALTH-                    Louisiana. We greatly appreciate the efforts that CMS has made to review and approve our
       MANAGEMENT, INC.                  Louisiana application for a September 1, 2004 effective date.

HARMONY HEALTH SYSTEMS, INC.

HARMONY HEALTH PLAN OF ILLINOIS, INC.    IN response to your e-mail today, we have signed three copies of the contract
                                         between WellCare of Louisiania, Inc. and CMS and three copies of Attachment C to the
                                         contract. Per your direction, we have not signed Attachments A and B of
                                         the contract, since these attachments involve attestations of data to be submitted in the
                                         future.

                                         Should you need any additional information, please do not hesitate calling me at (813)
                                         290-6335. We are very excited about extending WellCare's partnership with CMS into the
                                         State of Louisiana.

                                         Sincerely,

                                         /s/ Chip Edmunds
                                         ---------------------------------
                                         Chip Edmunds
                                         Director, Corporate Compliance and Regulatory Affairs

                                         Enclosure

                                         cc: Todd S, Farha, President and CEO - WellCare
           P.O. Box 25735                    Thad Bereday, Senior Vice President and General Counsel - WellCare
 Tampa, Florida 33622-5735
  35 Henderson Road, Ren 1                   Patricia Smith, Director, Health  Plan Benefits Group - CMS - CO
      Tampa, Florida 33634                   Art Pagan, Branch Chief, CMS - RO
   Telephone: 813.290.6353
         Fax: 813.290.6210
</TABLE>

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