Document:

(Exhibit 10.20)
                                 CONSULTING AGREEMENT

     Effective as of March 1, 2000, MEDIX RESOURCES, INC. a Colorado corporation
(the "Company") located at 7100 E. Belleview Avenue, Suite 301, Englewood, CO
80111, and John P. Yeros, (the "Consultant"), located at 9763 S. Tall Grass
Circle, Lone Tree, CO 80124, agree as follows:

         1. (a) The Company  agrees to and does hereby retain the  Consultant to
perform the following services (the "Services") for the Company: to advise the
Company on matters of past company practices, decisions and procedures as
requested by the President of the Company, to advise and consult with the
President or any officer designated by the President on any matter of then
current significance to the Company, and to generally assist the Company in the
transition after the Consultant's retirement from his employment with the
Company, and the offices of Chairman of the Board and President of the Company.

             (b)  Consultant  shall not be  required to devote his full time and
attention to the performance of the Services, but shall devote only so much of
his time and attention as is necessary to provide the Services in a timely and
competent manner in the mutual judgment of the Consultant and President and CEO
of the Company.

          2.  The term of this  Agreement  (including  any  extended  term,  the
"Term") shall commence on the date hereof and will terminate on December 31,
2001. The Term of this Agreement may be extended for any number of one-year
periods after the initial Term upon the mutual consent of the Consultant and the
President and CEO of the Company.

         3. (a)  Consultant  shall receive a fee, paid by the company during the
initial Term at the rate of $232,815 per year for 2000 ($194,012.50 for the ten
month period) and $254,777 per year for 2001, payable every two weeks during the
Term.

            (b) The Company shall reimburse Consultant for out-of-pocket
expenses that have been mutually agreed to in advance. Consultant shall provide
to the Company a copy of all third-party invoices, receipts or other evidence
of the expenditures by Consultant.

         4. (a)  Consultant  hereby  assigns to the Company any right,  title or
interest he may have (including patent rights, copyrights, trade secret rights,
trademark rights, sui generis database rights, and all other intellectual
property rights of any sort throughout the world) relating to any and all
inventions (whether or not patentable), works of authorship, designations,
designs, know-how, ideas and information made or conceived or reduced to
practice, in whole or in part, by Consultant, (i) during the Term that relate to
the subject matter of, or arise out of, the Services, or (ii) constitute any
Proprietary Information (as defined below) (collectively, "Inventions").
Consultant will promptly disclose and provide all Inventions to Company.
Consultant shall further assist Company, at its request and expense, to further
evidence, record and perfect such assignments and to perfect, obtain, maintain,
enforce and defend any rights assigned. Consultant hereby irrevocably designates
and appoints the Company as its agent and attorney-in-fact to act for and in
Consultant's behalf to execute and file any documents and to do all other
lawfully permitted acts to further the foregoing with the same legal force and
effect as if executed by Consultant.

           (b) Consultant  agrees that all  Inventions  and all other  business,
customer, marketing, technical and financial information (including, without
limitation, the identity of and information relating to the Company's customers
or employees) that Consultant develops, learns or obtains during the Term that
relate to the Company or its business or that are received by or for the Company
in confidence, constitute "Proprietary Information," provided that Proprietary
Information shall not include information in the public domain through no fault
of Consultant. Consultant will hold in confidence and not disclose or, except in
performing the Services, use any Proprietary Information. In addition,
Consultant agrees not to use any of such Proprietary Information as "insider
information" in connection with the trading of the Company's securities, either
for his own account or as a "tipper" to benefit any third person, and the
Consultant acknowledges that he owes a fiduciary duty to the Company to refrain
from any such improper use of insider information. Upon termination of this
Agreement, and as otherwise requested by Company, Consultant will promptly
return to the Company all items and copies containing or embodying Proprietary
Information, except that Consultant may keep personal copies of his compensation
records and this Agreement.

           (c) As additional protection for Proprietary Information,  Consultant
agrees that during the Term and for one year thereafter, Consultant will not
encourage or solicit any employee or consultant of Company to leave Company for
any reason, and Consultant will not engage in any activity that is in any way
competitive with the business of Company, and Consultant will not assist any
other person or organization in competing or in preparing to compete with any
business of Company.

         5. Upon any  material  breach of this  Agreement by either  party,  the
other party may terminate this Agreement upon fifteen days' notice to the
breaching party. Sections 4 and 6 of this Agreement and any remedies for breach
of this Agreement shall survive any termination or expiration.

         6.  Notwithstanding  any  provision  hereof,  for all  purposes of this
Agreement each party shall be and act as an independent contractor and not as
partner, joint venturer, or agent of the other and shall not bind nor attempt to
bind the other to any contract. Consultant is an independent contractor and is
solely responsible for all taxes, withholdings, and other statutory or
contractual obligations of any sort, including, but not limited to, Workers'
Compensation Insurance; and Consultant agrees to defend, indemnify and hold
Company harmless from any and all claims, damages, liability, attorneys' fees
and expenses on account of (i) an alleged failure by Consultant to satisfy any
such obligations or any other obligation (under this Agreement or otherwise) or
(ii) any other action or inaction of Consultant.

         7. In connection with  Consultant's  retirement  from the Company,  the
Company hereby agrees that it will register all of the Company's shares of
Common Stock issuable to Consultant upon Consultant's exercise of warrants or
options to purchase Common Stock on a Form S-8 registration statement, with
respect to the sale of the shares to Consultant, and in addition will register
all of the Company's shares of Common Stock, which the Consultant currently owns
or has a right to purchase, on a Form S-2 registration statement, with respect
to the sale of the shares by Consultant. Such registration statements shall be
filed as soon as possible by the Company. In addition, the Consultant and the
Company agree that for the purposes of Section 16 of the Securities Exchange Act
of 1934, as amended, and the regulations thereunder, the Consultant does not
fall into the category of "any other person who performs similar policy-making
functions for the issuer," which would subject the Consultant to the reporting
and trading restrictions of Section 16.

         8.  This  Agreement  and the  Services  to be  provided  hereunder  are
personal to Consultant, who shall not have the right to assign, transfer or
subcontract any obligations under this Agreement without the written consent of
the Company. Any attempt to do so shall be void.

         9. Consultant  agrees that he has not been made an agent of the Company
for any purpose and will not claim to be acting in that capacity. Consultant
shall indemnify and hold harmless the Company against any loss, claim, expense
or damages that the Company suffers as a result of Consultant's breach of this
provision.

         10. Any waiver,  amendment or  modification of any of the provisions of
this Agreement, or any termination of this Agreement, shall not be valid unless
in writing and signed or initialed by the parties hereto. A waiver of the breach
of any provisions hereof or a default under any provision hereof shall not be
deemed a waiver of such provisions or any subsequent breach or default of any
kind or nature.

         11. This  Agreement  shall be governed by, and  construed in accordance
with, the laws of the State of Colorado, without regard to rules governing
conflict of laws thereof. All notices shall be in writing and shall be deemed
given upon receipt by the party to whom addressed at the addresses provided
above or at any address for which a notice has been given as herein provided.
This Agreement shall be enforceable by decrees of specific performances as well
as other remedies. Any breach of Section 4 of this Agreement will cause
irreparable harm to the Company for which damages would not be an adequate
remedy, and therefore, the Company will be entitled to injunctive relief with
respect thereto in addition to any other remedies permitted by law. This
Agreement shall inure to the benefit of, and bind, the parties hereto and their
respective legal representatives, successors and assigns.

     IN WITNESS  WHEREOF,  the  Consultant  and the below  captioned  authorized
signatories for Medix Resources, Inc. have hereunder set their hands, and have
caused these presents to be duly executed and authorized as of the date first
written above.

                             MEDIX RESOURCES, INC.

                             By:____________________
                             ------------------------
                             John P. Yeros
                             President and CEO(Ex. 10.21)

                           EXECUTIVE EMPLOYMENT AGREEMENT

      EXECUTIVE  EMPLOYMENT  AGREEMENT,  dated as of  February  11,  2000,  (the
"Agreement") by and between Medix Resources,  Inc., a Colorado  corporation with
its principal  offices  located at Suite 301, 7100 E. Belleview Ave,  Englewood,
Colorado. ("the Company") and Brian R. Ellacott (the "Executive").

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

      1.  Employment.  The  Company  agrees  to  employ  the  Executive  and the
Executive  agrees to serve the  Company as its Senior Vice  President,  Business
Development.

      2. Responsibilities and Supervision. The Executive shall devote all of his
business  time and  attention  to the affairs of the Company and its  affiliated
companies. The Executive shall be responsible for the identification and closing
of sales to Medix target markets, the negotiations of any such transactions that
may be authorized by the Company's  Chief  Executive  Officer or Executive  Vice
President of  Development,  and such other  projects that may be assigned to the
Executive by the Company's  Chief  Executive  Officer or the Company's  Board of
Directors,  in  each  case  subject  to  the  general  direction,  approval  and
supervision of the Company's Chief Executive Officer and Board of Directors, and
to the  restrictions,  limitations  and  guidelines  set  forth by the  Board of
Directors  in  resolutions  adopted  in the  minutes  of the Board of  Directors
meetings,  copies of which shall be provided to the Executive from time to time.
In the  performance  of his duties,  the Executive  shall  maintain an office in
Atlanta,  GA. The terms "affiliate of" a company or "affiliated company" as used
herein means any company  directly or indirectly  controlling,  controlled by or
under common  control with the other  company.  A  presumption  of control shall
exist for any person owning or controlling 10% or more of the outstanding voting
securities  of a company,  and any  officer,  director  or general  partner of a
company.

      3.  Term  of   Employment.   The   period   of  the   Executive's
employment under this Agreement shall be for a two-year period ending March 1,
2002, subject tothe termination provisions set forth in Paragraphs 10, 11,
and 12 hereunder.

     4. Duties.  During the period of his  employment  hereunder  and except for
illness,specified vacation periods and reasonable leaves of absence, the
Executive shall devote his best efforts and all his business time, attention and
skill to the business and affairs of the Company and its affiliated companies,
as such business and affairs now exist and as they may be hereinafter changed or
added to, provided, however, that, with approval of the Board of Directors of
the Company, the Executive may serve, on the board of directors of, or hold any
other offices or positions in, companies or organizations which, in such Board's
judgment, will not present any conflict of interest with the Company or any of
its subsidiaries or affiliates or divisions, or materially affect the
performance of Executive's duties pursuant to this Agreement; and further
provided that the outside business is not a "Business Opportunity" of the
Company, as defined herein. A Business Opportunity of the Company shall be a
product, service, investment, venture or other opportunity, which is either:

     (a) Directly related to or within the scope of the existing business of the
Company; or

(b) Within the logical  scope of the business of the Company,  as such scope may
be expanded or altered from time-to-time by the Board of Directors.

     5. Compensation. The Company shall pay to the Executive as compensation for
his services, the base salary of $150,000 per year or such higher salary as from
time-to-time may be approved by the Board of Directors, payable bi-monthly in
accordance with the Company's normal payroll procedures. As additional
compensation hereunder, upon the execution of this Agreement, the Company will
grant to the Executive 150,000 options to purchase common stock of the Company
under the Company's 1999 Stock Option Plan, at an exercise price of $ 3.97 (the
closing price reported on OTCBB for February 11, 2000), subject to board
ratification and approval. Such options are intended to be classified as
incentive stock options for tax purposes, and shall vest and expire as provided
on Exhibit A attached hereto. Terms of the Stock Option grant will be set forth
in a Stock Option Agreement in the form used pursuant to such Plan.

     6. Expense Reimbursement. The Company will reimburse the Executive for all
reasonable and necessary expenses incurred by him in carrying out his duties
under this Agreement, including entertainment, travel and lodging costs. The
Executive shall present to the Chief Executive Officer each month an itemized
account of such expenses in such form as is required by the Company's accounting
policies.

      7. Medical  Coverage and Other  Employee  Benefits.  The Executive will be
eligible to participate in the Company's current standard benefits package,
which provides health insurance with limited Company payments, limited sick time
accrual, paid holidays, 401(k) Plan participation when eligible and term life
insurance at Executive's cost, on the same basis as other Executives of the
Company.

      8. Vacation  Time.  The Executive shall be entitled to take four (4) weeks
paid vacation per calendar year, which, however shall vest at the rate of
one (1) week per full calendar quarter worked hereunder. Such vacation may
not be taken in any greater than consecutive two (2) week increments.
Vacation time not used by the Executive during the calendar year will be
forfeited. Compensation for annual vacation time vested but not taken by
Executive shall be paid to the Executive at the date of termination.

      9.   Obligations of Executive During and After Employment.

     (a)  The  Executive  agrees  that  during  the  terms of his
employment under this Agreement or while receiving compensation under this
Agreement, he will engage in no other business activities directly or
indirectly, which are or may be competitive with or which might place him in a
competing position to that of the Company, or any affiliated company.

     (b) The Executive  realizes that during the course of his employment,
Executive will have produced and/or have access to confidential business plans,
information, business opportunity records, notebooks, data, formula,
specifications, trade secrets, customer lists, account lists and secret
inventions and processes of the Company and its affiliated companies. Therefore,
during his employment by the Company or by an affiliated company or while
receiving compensation under this Agreement, the Executive agrees to hold in
confidence and not to directly or indirectly disclose or use or copy or make
lists of any such information, except to the extent authorized by the Chief
Executive Officer of the Company in writing. All records, files, business plans,
documents, equipment and the like, or copies thereof, including copies on
Company computers, relating to Company's business, or the business of an
affiliated company, which Executive shall prepare, or use, or come into contact
with, shall remain the sole property of the Company, or of an affiliated
company, and shall not be removed from the Company's or the affiliated company's
premises without the written consent of the Chief Executive Officer, and shall
be promptly returned to the Company upon termination of employment with the
Company and its affiliated companies. The Executive further agrees that after
the term of his employment, he will not disclose or make use of any proprietary
information owned by the Company or necessary in the operation of the Company's
products or products under development.

     (c) Because of his  employment  by the Company,  Executive  will have
access to trade secrets and confidential information about the Company, its
business plan, its business opportunities, and its expansion plans into other
geographical areas and its methods of doing business. Executive agrees that for
a period of one (1) year after termination of his employment, he will not,
directly or indirectly compete with the Company in a business that is a
"Business Opportunity" of the Company or defined in Section 4 above.

     (d) In the event a court of competent jurisdiction finds any provision
of this Section 9 to be so over broad as to be unenforceable, then such
provision shall be reduced in scope by the court, but only to the extent
deemed necessary by the court to render the provision reasonable and
enforceable, it being the Executive's intention to provide the Company with
the broadest protection possible against harmful competition.

     (e)  Irreparable  harm should be presumed if any provision of this Section
9 isbreached in any way. Damages would be difficult if not impossible to
ascertain, and the faithful observance of all terms of such Section is an
essential condition of employment with the Company. In light of these
considerations, Executive acknowledges that a court of competent jurisdiction
should immediately enjoin any breach of this Agreement by Executive, upon the
Company's request and the Company is released from the requirement of posting
any bond in connection with temporary or interlocutory injunctive relief,
to the extent permitted by law. Nothing herein shall be construed as
prohibiting the Company from pursuing any other remedy available to the Company
for such breach or threatened breach including, but not limited to, the
recovery of damages from the Executive.

      10.  Termination by the Company.

      (a)  Termination for Cause by the Company. Notwithstanding  anything
herein to the  contrary,  the Company may, without liability, terminate the
Executive's employment hereunder for cause upon  five  days  written  notice,
and  thereafter  the  Company's obligations hereunder shall cease and terminate.
Grounds for  termination  "for  cause"  shall be one or more of the following:

      (1)  A willful  breach of duty by the  Executive  during the course of
his employment;

      (2)  The conviction of the Executive of a felony;

      (3)  Habitual neglect of duty by the Executive;

      (b) Termination  Without Cause by the Company.  The Company may terminate
the employment of the Executive upon thirty (30) days written notice without
cause. In the event of termination without cause, the Company will pay the
Executive six (6) months salary as compensation. In addition, at least three
months prior to the expiration of this contract, the Company will either notify
the Executive in writing that the contract will not be renewed or will commence
good faith negotiation to enter into a new or modified contract. However,
failure to renew the Executive's contract shall not be deemed to be "termination
without cause" hereunder.

     11. Termination by the Executive. The Executive, with or without cause, may
terminate this Agreement upon 90 days' written notice to the Company. In
such event, the Executive shall be required to render the services required
under this Agreement during such 90-day period, unless otherwise directed
by the Board of Directors. Executive will be compensated only through the
final day of his employment.

       12.  Termination  Upon  Death  of Executive. In addition to any other
provision relating to termination, this Agreement shall terminate upon the
Executive's death. Upon Executive's death, the Company shall pay in a lump sum,
within 45 days of the Executive's death, to such person as the Executive shall
have designated to the Company as his beneficiary, or, if no such person is
designated, to the Executive's estate, an amount equal to all of the Executive's
accrued but unpaid base salary, the value on the Company's books of any vested
but unused vacation time and accrued sick time, and all unpaid expense
reimbursements at the time of Executive's death.

       13.  Indemnification.  The  Company  shall  indemnify  and hold  harmless
Executive to the fullest extent and in the manner permitted by the provisions of
the Colorado Business Corporation Act, as it may be amended from time to time.
To the extent that any of the Company's officers or directors are covered by or
benefit from one or more director's and officer's liability insurance policies,
the Executive shall also be covered by or benefit from such policy or policies.

       14. Arbitration. Any controversy, dispute or claim arising out of, or
relating to this Agreement and/or its interpretation shall, unless resolved by
agreement of the parties, be settled by binding arbitration in Denver, Colorado
in accordance with the Rules of the American Arbitration Association for
employment disputes then existing. This Agreement to arbitrate shall be
specifically enforceable under the prevailing arbitration laws of the State of
Colorado. The award rendered by the arbitrators shall be final and judgment may
be entered upon the award in any court of the State of Colorado having
jurisdiction of the matter. If any legal proceeding and/or arbitration is
brought to enforce or interpret the terms of this Agreement, each party shall
bear its own attorney's fees, costs, and necessary disbursements in such legal
proceeding and/or arbitration except as otherwise provided herein.

       15.  General Provisions.

       (a) The Executive's rights and obligations under this Agreement shall
not be transferable by assignment or otherwise, nor shall Executive's rights be
subject to encumbrance or to the claims of the Company's creditors. Nothing in
this Agreement shall prevent the consolidation of the Company, with or its
merger into, any other corporation, or the sale by the Company of all or
substantially all of its property or assets. However, the rights of the
Executive hereunder shall be enforceable against any successor to the Company,
and the rights of the Company hereunder shall benefit any successor to the
Company.

       (b) This  Agreement  and the rights of Executive  with respect to the
obligations and benefits of employment recited in this Agreement, constitute the
entire Agreement between the parties hereto in respect of the employment of the
Executive by the Company and supersede any and all other agreements either oral
or in writing between the parties hereto with respect to the employment of the
Executive.

       (c) The provisions of this Agreement  shall be regarded as divisible,
and if any of said provisions or any part thereof are declared invalid or
unenforceable by a court of competent jurisdiction, the validity and
enforceability of the remainder of such provisions or parts thereof and the
applicability thereof shall not be affected thereby.

       (d) This Agreement may not be amended or modified except by a written
instrument executed by Company and Executive.

       (e) This Agreement and the rights and obligations  hereunder shall be
governed by and construed in accordance with the laws of the State of Colorado,
excluding however, the provisions governing conflicts of laws.

       16.  Construction.  Throughout  this  Agreement,  the singular  shall
include the plural, and the plural shall include the singular, and the masculine
and neuter shall include the feminine, wherever the context so requires.

       17. Text to Control.  The  headings of  paragraphs  and  sections are
included solely for convenience of reference. If any conflict between any
heading and the text of this Agreement exists, the text shall control.

       18.  Authority.  The officer  executing  this  Agreement  on
behalf of the Company has been empowered and directed to do so by the
Board of Directors of the Company.

      IN WITNESS  WHEREOF,  the Company and the  Executive  hereby  execute this
Agreement, as of the date first above written, with the full intention to be
mutually bound by the terms hereof.

                             FOR THE COMPANY:
                             MEDIX RESOURCES, INC.

                             By: /s/ John R. Prufeta
                             -----------------------
                             John R. Prufeta
                             President and Chief Executive Officer

                             THE EXECUTIVE:

                             By: /s/ Brian Ellacott
                             ----------------------
                             Brian Ellacott

EXHIBIT A

                          VESTING SCHEDULE FOR OPTIONS

Options  covering 150,000 shares of the Company common stock shall be granted to
Executive upon the execution of this Employment  Agreement,  which shall vest as
follows:  options  covering  50,000  shares  will vest  immediately  and options
covering  12,500 shares shall vest on the same date of each third month from the
prior vesting date, until all options have vested, so long as Executive is still
employed  by the  Company  on each of  those  vesting  dates.  In no case  shall
Executive  transfer  or dispose of any option  (other than by  exercise)  or the
underlying  common stock  granted  hereunder for a period of six months plus one
day from the date of this  Agreement.  The expiration date of all of the options
granted  hereunder  shall be the  earlier  of five  years  from the date of this
Agreement or 90 days after the Executive leaves the employment of the Company.

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