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                                                                EXHIBIT 10.13(b)

                             STOCK OPTION AGREEMENT

                         IPNI COMMUNICATIONS CORPORATION
                             1998 STOCK OPTION PLAN

         1. A Stock Option of Common Stock, par value $.001 (the "Stock"), of
IPNI Communications Corporation, a Delaware corporation (herein the "Company"),
is hereby granted for the number of shares and to the person specified on
Schedule A (herein the "Participant"), subject in all respects to the terms and
provisions of the IPNI Communications Corporation 1998 Stock Option Plan (herein
the "Plan"), which has been adopted by the Company and which is incorporated
herein by reference, and subject to such additional terms and conditions as are
set forth in this letter (collectively, the "Agreement").

         2. The Option Price as determined by the Compensation Committee of the
Board of Directors of the Company is set forth on the attached Schedule A.

         3. Payment for Stock purchased upon the exercise of the Option and any
taxes attributable thereto shall be made by the Participant in cash or such
other method permitted by the Compensation Committee in its sole discretion,
including, without limitation: (i) through delivery of shares of Stock with an
aggregate fair market value equal to the Option Price and withholding taxes;
(ii) by the Company's retention of such number of shares of Stock subject to the
exercised Option which have an aggregate fair market value equal to the Option
Price and withholding taxes; (iii) authorizing a third party to sell the Stock
(or a sufficient portion thereof) acquired upon exercise of the Option and
assigning the delivery to the Company of a sufficient amount of the sale
proceeds to pay for all the Stock acquired through such exercise; or (iv) any
combination of the above.

         4. This Option may not be transferred in any manner except as provided
in the Plan and may be exercised during the lifetime of the Participant only by
the Participant. The terms of this Option shall be binding upon the executors,
administrators, heirs, successors and assigns of the Participant. Upon the death
of the Participant, the rights of the successors to Participant shall be limited
as set forth in the Plan.

         5. This Option shall first vest and become exercisable, with respect to
the shares of Stock subject to your Option on the dates (the "Vesting Dates")
set forth on Schedule A; provided that in the event of a Change of Control as
defined in the Plan, the Option shall be immediately fully vested and be
exercisable. The formation of a new holding company or similar restructure of
the Company shall not cause a change in the Vesting Dates. Notwithstanding the
foregoing, the number of shares of Stock that are granted pursuant to an Option
that is intended to be an incentive stock option that may vest in any one (1)
calendar year shall not exceed the $100,000 Limitation, as that term is defined
in the Plan. To the extent the $100,000 Limitation is exceeded, such excess
shall vest on January 1 of each subsequent calendar year until all of the
Options have vested without violating the $100,000 Limitation.
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         6. This Option may not be exercised more than seven (7) years from the
date of its grant ("Expiration Date"), and may be exercised during such term
only in accordance with the terms of the Plan. This Option shall automatically
terminate: (i) ninety (90) days after termination of employment of a Participant
who is an employee of the Company or (ii) immediately if Participant is
terminated for cause (as set forth herein).

         7. In the event that Participant exercises this Option, then at the
time of exercise and concurrent with issuance of such shares, the Participant
may be required to enter into a shareholder agreement or an option exercise
agreement which shall restrict voluntary or involuntary transfer of such shares
and which shall grant the Company the right of first refusal to acquire such
shares.

         8. The Board may effect certain amendments to the Plan and has the
ultimate authority to administer the Plan and Option (including this Option)
granted under it. The Board may, in its sole discretion, by written instrument
waive or accelerate the vesting requirements in Paragraph 5.

         9. This Option may not be exercised by the Participant unless the
Participant shall have first repaid the Company any indebtedness owed by the
Participant to the Company.

         10.      Termination of Employment.

                  (a) In the event that the Participant is terminated as an
         employee of the Company for any reason other than for Cause, as defined
         below or as defined in the Employment Agreement, if any, effective as
         of the date hereof, entered into by and between the Company and the
         Participant, then the Participant may, but only within ninety (90) days
         after the date he ceases to be an employee of the Company, exercise his
         Option to the extent that he was entitled to exercise it at the date of
         such termination. To the extent that he was not entitled to exercise
         the Option at the date of such termination, or if he does not exercise
         such Option (which he was entitled to exercise) within the time
         specified herein, the Option shall terminate. Notwithstanding the
         above, in no event shall the Option, or any part thereof, be
         exercisable after the Expiration Date.

                  (b) Anything in this Section to the contrary notwithstanding,
         if Participant's employment is terminated due to Participant's
         inability to continue his employment with the Company as a result of
         his disability, he may, but only within ninety (90) days from the date
         of termination, exercise his Option to the extent he was entitled to
         exercise it at the date of such termination. To the extent that he was
         not entitled to exercise the Option at the date of termination, or if
         he does not exercise such Option (which he was entitled to exercise)
         within the time specified herein, the Option shall terminate.
         Notwithstanding the above, in no event shall the Option, or any part
         thereof, be exercisable after the Expiration Date.

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                  (c) If Participant's employment is terminated for Cause, the
         Option shall terminate at the time of such termination. Cause means if
         the Board, in its reasonable discretion determines that the Participant
         (i) has developed or pursued interests substantially adverse to the
         Company, or (ii) materially breached his or her employment agreement,
         if any, or (iii) has not devoted all or substantially all of his or her
         business time, effort and attention to the affairs of the Company, or
         (iv) is convicted of a felony involving moral affairs of the Company.

         11. This Option Agreement only describes the terms of the Option and is
not an employment agreement or a promise or assurance of employment for any
period of time.

         12. The Company does not assume any responsibility with respect to the
tax treatment of this Option.

         13. The Company is under no obligation to register, under the 1933 Act,
the Arizona Act or the securities laws of any other jurisdiction, any of the
shares of Stock to be issued to the Participant upon the exercise of any Option
or to take any action which would make available any exemption from
registration. If the shares to be issued to the Participant upon the exercise of
any Option have not been registered under the 1933 Act, the Arizona Act or the
securities laws of any other jurisdiction, those shares will be "restricted
securities" within the meaning of Rule 144 under the 1933 Act and must be held
indefinitely without any transfer, sale or other disposition unless (a) the
shares are subsequently registered under the 1933 Act, the Arizona Act and the
securities laws of any other applicable jurisdiction, or (b) the Participant
obtains an opinion of counsel which is satisfactory to counsel for the Company
that the shares may be sold in reliance on an exemption from registration
requirements. The shares shall bear a restrictive legend restricting
transferability.

         14. Any dispute between the Company and the Participant regarding the
Plan or the Option shall be submitted to binding arbitration in accordance with
the Commercial Rules of the American Arbitration Association, to be conducted in
Phoenix, Arizona. The prevailing party be entitled to receive reasonable
attorney's fees as awarded by the arbitration panel.

         15. If an Participant becomes divorced after the effective date of this
Agreement, the interest of such Participant (the "Divorcing Participant") in all
the Options owned by the Divorcing Participant shall not be set aside or awarded
to such ex-spouse of the Divorcing Participant, nor encumbered in any way in
favor of such ex-spouse, but the value of such interest shall be satisfied from
other assets of the Divorcing Participant and all such interests shall be
awarded to the Divorcing Participant. In the event such other assets shall be
judged insufficient by the court having jurisdiction of the divorce proceedings,
or if for any reason the court shall award an interest in the Option to the
ex-spouse of the Divorcing Participant, the Company shall have the right to
purchase the Option (or shares of stock covered thereby) awarded to the
ex-spouse of such Divorcing Participant at a purchase price equal to the fair
market value as set by the Board of Directors of the Company. The Company's
option period to repurchase the Option (or stock) shall commence as of the date
that such shares or interests are awarded to such Participant's ex-spouse and
continue for ninety (90) days after entry of the divorce decree. If the

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Company exercises its option to repurchase the Option, the purchase price shall
be paid in full within one (1) year from the date of exercise.

         16. The Plan and the Option granted to Participant are governed by and
shall be interpreted according to the laws of the State of Delaware.

         17. The Option may be amended only by written agreement executed by the
Company and Participant.

DATED: __________________________

                                      IPNI COMMUNICATIONS CORPORATION

                                      By: ______________________________________
                                          Title:
ATTEST:

____________________________________

         The Participant and Participant's Spouse (if applicable) acknowledge
receipt of a copy of the Plan, a copy of which is annexed hereto, and represent
that Participant and Participant's Spouse are familiar with the terms and
provisions thereof. The Participant and Participant's Spouse hereby accept this
Option subject to all the terms and provisions of the Plan and the foregoing
Option Agreement. The Participant and Participant's Spouse hereby agree to
accept as binding, conclusive and final all decisions and interpretations of the
Board of Directors and, where applicable, the Compensation Committee, upon any
questions arising under the Plan. As a condition to the issuance of shares of
Common Stock of the Company under this Option, the Participant authorizes the
Company to withhold in accordance with applicable law from any regular cash
compensation payable to Participant, any taxes required to be withheld by the
Company under Federal, State or Local law as a result of Participant's exercise
of this Option.

DATED: __________________________

                                        _______________________________________
                                        Participant

                                        _______________________________________
                                        Participant's Spouse

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                                                                Exhibit 10.14(a)

                               iPHYSICIAN NET INC.
                             1999 STOCK OPTION PLAN

1.       Purpose and Scope

         The purpose of this Plan is to encourage stock ownership in iPhysician
Net Inc. (the "Company") by key officers, employees and persons who provide
services, and to provide an incentive for such persons to expand and improve the
profits and prosperity of the Company, and to assist the Company in attracting
and retaining key personnel through the grant of Options to purchase shares of
the Company's Common Stock.

2.       Definitions

         Unless otherwise required by the context:

         2.1      "Board" shall mean the Board of Directors of the Company.

         2.2      "Committee" shall mean the Compensation Committee, which is
                  appointed by the Board, and which shall be composed of a
                  minimum of two members of the Board.

         2.3      "Change of Control" shall mean each of the following:

                  (a) A change of control of the Company of a nature that would
         be required to be reported in response to Item 6(e) of Schedule 14A of
         the Securities Exchange Act of 1934 (the "1934 Act") regardless of
         whether the Company is subject to such reporting requirement.

                  (b) A change of control of the Company through a transaction
         or series of transactions, such that any person, excluding affiliates
         of the Company, is or becomes the beneficial owner (as that term is
         used in Section 13(d) of the 1934 Act) directly or indirectly, of
         securities of the Company representing fifty-one percent (51%) or more
         of the combined voting power of the Company's then outstanding
         securities;

                  (c) Any consolidation or liquidation of the Company in which
         the Company is not the continuing or surviving corporation or pursuant
         to which stock would be converted into cash, securities or other
         property, other than a merger of the Company in which the holders of
         the Stock immediately before the merger have the same proportionate
         ownership of common stock of the surviving corporation immediately
         after the merger;

                  (d) The shareholders of the Company approve any plan or
         proposal for the liquidation or dissolution of the Company; or
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                  (e) Substantially all of the assets of the Company are sold or
         otherwise transferred.

         2.4      "Company" shall mean iPhysician Net Inc., a Delaware
                  Corporation.

         2.5      "Code" shall mean the Internal Revenue Code of 1986, as
                  amended.

         2.6      "Option" shall mean a right to purchase Stock, granted
                  pursuant to the Plan.

         2.7      "Option Price" shall mean the purchase price for Stock under
                  an Option, as determined in Section 6 below.

         2.8      "Participant" shall mean a person to whom an Option is granted
                  under the Plan.

         2.9      "Plan" shall mean this iPhysician Net Inc. 1999 Stock Option
                  Plan.

         2.10     "Stock" shall mean the Common Stock of the Company $.001 par
                  value.

3.       Stock to Be Optioned

         Subject to the provisions of Section 11 of the Plan, the maximum number
of shares of Stock that may be optioned or sold under the Plan is One Million
Five Hundred Thousand (1,500,000), plus the number of shares available for grant
under the Company's 1998 Stock Option Plan (the "1998 Plan") whether by lapse or
expiration of any Option under the 1998 Plan, or otherwise. For purposes of
Section 422 of the Code, the maximum number of shares available for grant as
incentive stock options is 1,500,000. Such number of shares may be set aside out
of the authorized but unissued shares of Common Stock of the Company, not
reserved for any other purpose.

4.       Administration

         The Plan shall be administered by the Committee. Two members of the
Committee shall constitute a quorum for the transaction of business. The
Committee shall be responsible to the Board of Directors for the operation of
the Plan and shall make recommendations to the Board with respect to the extent
of that participation. The interpretation and construction of any provision of
the Plan by the Committee shall be final unless otherwise determined by the
Board. No member of the Board or the Committee shall be liable for any action or
determination made by him in good faith. The Committee shall determine, within
the limits of the Plan, the individuals to whom, and the time or times at which,
Options shall be granted; the number of shares subject to each Option; the
duration of each Option; the Option Price under each Option; and the time or
times within which all or portions of each Option may be exercised. Each person
to whom an Option is granted shall enter into a written Option Agreement

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5.       Participants

         5.1 Eligibility and Participation. Options may be granted only to
persons ("Eligible Persons") who at the time of grant are (i) employees
(including officers) of the Company or parent or subsidiaries of the Company,
(ii) members of the Company's Board of Directors or (iii) consultants or
independent contractors who provide valuable services to the Company or parent
or subsidiaries of the Company. Notwithstanding the foregoing, incentive stock
options may only be granted to personnel of the Company (and its parent or
subsidiary) who are also employees of the Company (or its parent or subsidiary).
The Committee shall have full authority to determine which Eligible Persons are
to receive Option grants under the Plan; the number of shares to be covered by
each such grant; whether the granted Option is to be an incentive stock option
which satisfies the requirements of Section 422 of the Code or Section 422A of
the Proposed Regulations; or a nonstatutory option not intended to meet such
requirements.

         5.2 Guidelines for Participation. In designating and selecting Eligible
Persons for participation in the Plan, the Committee may consult with and give
consideration to the recommendations and criticisms submitted by appropriate
managerial and executive officers of the Company. The Committee also shall take
into account the duties and responsibilities of the Eligible Persons, their
past, present and potential contributions to the success of the Company, and
such other factors as the Committee shall deem relevant in connection with
accomplishing the purposes of the Plan.

6.       Terms and Conditions of Options

         6.1 Employment Agreement. The Committee may, in its discretion, include
in any Option granted under the Plan a condition that the Participant shall
agree to remain in the employ of, and to render services to, the Company for a
period of time (specified in the agreement) following the date the Option is
granted. No such agreement shall impose upon the Company, however, any
obligation to employ the Participant for any period of time.

         6.2 Exercise Price. Upon the grant of any Option, the Committee shall
specify the Option Price per share. In no event may the Option Price per share
specified by the Committee with respect to an Option granted under that plan
that is intended to be an incentive stock option be less than one hundred
percent (100%) of the fair market value per share of the Stock on the date the
Option is granted, or one hundred ten percent (110%) if Options intended to be
incentive stock options are granted to a shareholder who at the time the Option
is granted owns or is deemed to own stock possessing more than ten percent (10%)
of the total combined voting power of all classes of stock of the Company or of
any parent or any subsidiary corporation of the Company.

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         6.3 Calculation of Fair Market Value of Stock. The fair market value of
a share of Stock on any relevant date shall be determined in accordance with the
following provisions:

                  a. If the Stock in question is not at the time listed or
         admitted to trading on any stock exchange but is traded in the
         over-the-counter market, the fair market value shall be the closing
         price per share of that Stock on the date in question in the
         over-the-counter market, as such prices are reported by the National
         Association of Securities Dealers through its NASDAQ system or any
         successor system. If there is no reported closing selling price for
         that Stock on the date in question, then the closing selling price on
         the last preceding date for which such quotations exist shall be
         determinative of fair market value.

                  b. If the Stock in question is at the time listed or admitted
         to trading on any stock exchange, then the fair market value shall be
         the closing selling price per share of that Stock on the date in
         question on the stock exchange determined by the Committee to be the
         primary market for that Stock, as such price is officially quoted in
         the composite tape of transactions on such exchange. If there is no
         reported sale of that Stock on such exchange on the date in question,
         then the fair market value shall be the closing selling price on the
         exchange on the last preceding date for which such quotation exists.

                  c. If the Stock in question at the time is neither listed nor
         admitted to trading on any stock exchange nor traded in the
         over-the-counter market, then the fair market value shall be determined
         by the Committee after taking into account such factors as the
         Committee shall deem appropriate, including one or more independent
         professional appraisals.

         6.4 Individual Stock Option Agreements. Options granted under the Plan
shall be evidenced by option agreements in such form and content as the
Committee from time to time approves, which agreements shall substantially
comply with and be subject to the terms of the Plan, including the terms and
conditions of this section. As determined by the Committee, each option
agreement shall state (i) the total number of shares to which it pertains, (ii)
the exercise price for the shares covered by the Option, (iii) the time at which
the Options vest and become exercisable, and (iv) the Option's scheduled
expiration date. The option agreements may contain such other provisions or
conditions as the Committee deems necessary or appropriate to effectuate the
sense and purpose of the Plan, including covenants by the Participants'
not-to-compete and remedies to the Company in the event of the breach of any
such covenant.

         6.5 Option Period. No Option granted under the Plan that is intended to
be an incentive stock option shall be exercisable for a period in excess of ten
(10) years from the date of its grant (five (5) years if the Option is granted
to a shareholder who at the time the Option is granted owns or is deemed to own
stock possessing more that 10 percent (10%) of the total combined voting power
of all classes of stock of the Company or of its parent or any subsidiary

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corporation), subject to earlier termination in the event of termination of
employment, retirement or death of the Participant. An Option may be exercised
in full or in part, at any time, or from time to time during the term of the
Option or in stated installments at stated times during the Option's term.

         6.6 Vesting - Limitations. The time at which the optioned shares vests
with respect to a Participant shall be in the discretion of the Committee.
Notwithstanding the foregoing, to the extent an Option is intended to qualify as
an incentive stock option under the Code, the aggregate fair market value
(determined as of the respective date or dates of grant) of the Stock for which
one or more Options granted to any person under this Plan (or any other option
plan of the Company or its parent or subsidiary corporations) may for the first
time become exercisable as incentive stock options under the Code during any one
calendar year shall not exceed the sum of one hundred thousand dollars
($100,000) (referred to herein as the "$100,000 Limitation"). To the extent that
any person holds two (2) or more Options which become exercisable for the first
time in the same calendar year, the foregoing limitation on the exercisability
as an incentive stock option shall be applied on the basis of the order in which
such Options are granted.

         6.7 No Fractional Shares. Options shall be exercisable only for whole
shares; no fractional shares will be issuable upon exercise of any Option
granted under the Plan.

         6.8 Method of Exercising Options - Full Payment. Options shall be
exercised by written notice to the Company, addressed to the Company at its
principal place of business. Such notice shall state the election to exercise
the Option and the number of shares with respect to which it is being exercised,
and shall be signed by the person exercising the Option. Such notice shall be
accompanied by payment in full or upon such terms as the Committee shall
determine. Payment shall be made as prescribed by the Committee. Upon the
exercise of any Option, the Company shall deliver, or cause to be delivered, to
the Participant a certificate or certificates representing the shares of Stock
purchased upon such exercise within ninety (90) days after payment for those
shares has been received by the Company. If an Option is exercised pursuant to
this Section 6 hereof by any person other than the Participant, such notice
shall be accompanied by appropriate proof of the right of such person to
exercise the Option. All shares that are purchased and paid for in full upon the
exercise of an Option shall be fully paid and non-assessable.

         6.9 Rights of a Stockholder. A Participant shall have no rights as a
stockholder with respect to shares covered by his Option until the date a stock
certificate is issued to the Participant. No adjustment will be made for
dividends or other rights for which the record date is prior to the date such
stock certificate is issued.

         6.10 Death of Participant. If a Participant dies while in the Company's
service, the Participant's vested Options on the date of death shall be
exercisable within three (3) months of such death or until the stated expiration
date of the Participant's Option, whichever occurs first,

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by the person or persons ("successors") to whom the Participant's rights pass
under a will or by the laws of descent and distribution. An Option may be
exercised and payment of the Option Price made in full by the successors only
after written notice to the Company specifying the number of shares to be
purchased. Such notice shall state that the Option Price is being paid in full
in the manner specified in herein. As soon as practicable after receipt by the
Company of such notice and of payment in full of the Option Price, a certificate
or certificates representing such shares shall be registered in the name or name
specified by the successors in the written notice of exercise and shall be
delivered to the successors.

         6.11 Other Plan Provisions Still Applicable. If an Option is exercised
upon the termination of service or death of a Participant under this Section 6,
the other provisions of the Plan shall still be applicable to such exercise.

7.       No Obligations to Exercise Option

         The granting of an Option shall impose no obligation upon the
Participant to exercise such Option.

8.       Assignability

         Options shall be transferable by gift, will, or by the law of descent
and distribution to a Participant's spouse, children or grandchildren. Unless
otherwise permitted by the Committee, any attempted transfer by gift, sale or
otherwise to a person other than a Participant's spouse, children or
grandchildren shall be void and of no effect.

9.       Effect of Change in Stock Subject to the Plan

         In the event of a Change of Control, all Options outstanding under the
Plan shall terminate; provided, however, that each Participant (and each other
person entitled under Section 8 to exercise an Option) shall have the right,
immediately prior to such Change of Control, to exercise such Participant's
Options in whole or in part.

10.      Amendment and Termination

         The Board, by resolution, may terminate, amend, or revise the Plan with
respect to any shares as to which Options have not been granted. Neither the
Board nor the Committee may, without the consent of the holder of an Option,
alter or impair any Option previously granted under the Plan, except as
authorized herein. Unless sooner terminated, the Plan shall remain in effect for
a period of ten (10) years from the date of the Plan's adoption by the Board.
Termination of the Plan shall not affect any Option previously granted.

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11.      Agreement and Representation of Participants

         As a condition to the exercise of any portion of an Option, the Company
may require the person exercising such Option to represent and warrant at the
time of such exercise that any shares of Stock acquired at exercise are being
acquired only for investment and without any present intention to sell or
distribute such shares if, in the opinion of counsel for the Company, such a
representation is required under the Securities Act of 1933 or any other
applicable law, regulation or rule of any governmental agency.

12.      Availability of Shares of Stock

         The Company, during the term of this Plan, will all times make
available the number of shares of Stock that shall be sufficient to satisfy the
requirements of this Plan.

13.      Effective Date of Plan

         The Plan shall be effective from the date that the Plan is approved by
the Board. The Plan shall be submitted to the Stockholders of the Company for
their approval at a regular or special meeting to be held within twelve (12)
months after adoption of the Plan by the Board. Stockholder approval shall be
evidenced by the affirmative vote of the holders of a majority of the shares of
the Company Stock present in person or by proxy and voting at the meeting. If
the Stockholders decline to approve the Plan at such meeting or if the Plan is
not approved by the Stockholders within twelve (12) months after its adoption by
the Board, the Plan and all options granted hereunder shall automatically
terminate to the same extent and with the same effect as though the Plan had
never been adopted.

14.      Governing Law

         The Plan shall be governed and interpreted according to the laws of the
State of Delaware.

Date of Approval by Board of Directors:     July 26, 1999

Date of Approval by Shareholders:           July 29, 1999

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