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                                                                Exhibit 10.14(b)

                                                          STOCK OPTION AGREEMENT

                               iPHYSICIAN NET INC.
                             1999 STOCK OPTION PLAN

         1. A Stock Option of Common Stock, par value $.001 (the "Stock"), of
iPhysician Net Inc., 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 iPhysician Net Inc. 1999 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 become non-qualified stock options.

         6. This Option may not be exercised more than seven (7) years from the
date of its
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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.

                  (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
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         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 legend restricting transferability if
required by applicable state or federal securities laws.

         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 Company
exercises its option to repurchase the Option, the purchase price shall be paid
in full

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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:
      ---------------------------

                                          iPHYSICIAN NET INC.

                                          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 10.15(a)

                               iPHYSICIAN NET INC.
                   1999 NONEMPLOYEE DIRECTOR COMPENSATION PLAN

                 ARTICLE 1. ESTABLISHMENT, PURPOSE, AND DURATION

         1.1 Establishment of the Plan. iPhysician Net Inc. (formerly IPNI
Communications Corporation), a Delaware corporation (the "Company"), establishes
the "iPhysician Net Inc. 1999 Nonemployee Director Compensation Plan" (the
"Plan") for its Nonemployee Directors, as set forth in this document. The Plan
sets forth the meeting fees payable to Nonemployee Directors and grants of
Nonqualified Stock Options to Nonemployee Directors, subject to the terms below.

                  Subject to the approval of the Plan by the Company's
shareholders, and subject to the consummation of an initial public offering of
the Company's Common Stock, the Plan will become effective August 1, 1999 (the
"Effective Date"). However, Options granted under the Plan will be canceled if
the Plan is not approved by the Company's shareholders prior to December 31,
1999.

         1.2 Purpose of the Plan. The purpose of the Plan is to further the
Company's short- and long-term objectives by attracting and retaining the
services of Nonemployee Directors of outstanding competence and by linking the
personal interests of Nonemployee Directors to those of the Company's
shareholders.

         1.3 Duration of the Plan. The Plan will begin on the Effective Date and
shall remain in effect until the Board of Directors exercises its right to
terminate the Plan. However, no Option may be granted under the Plan after
December 31, 2008.

                     ARTICLE 2. DEFINITIONS AND CONSTRUCTION

         2.1 Definitions. Whenever used in the Plan, the following terms shall
have the meanings set forth below and, when the meaning is intended, the initial
letter of the word is capitalized:

                  (a) "Board" or "Board of Directors" means the Board of
         Directors of iPhysician Net Inc., and includes any committee of the
         Board of Directors designated by the Board to administer part or all of
         this Plan.

                  (b) "Code" means the Internal Revenue Code of 1986, as amended
         from time to time.

                  (c) "Committee" means the committee of the Board of Directors
         appointed by the Board to administer this Plan.

                  (d) "Company" means iPhysician Net Inc., a Delaware
         corporation, or any successor thereto as provided in Section 9.2
         herein.
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                  (e) "Exchange Act" means the Securities Exchange Act of 1934,
         as amended from time to time, or any successor Act thereto.

                  (f) "Fair Market Value" means the fair market value of Stock
         as determined by the Board in its discretion, under one of the
         following methods: (i) the closing price for the Stock as reported on
         any national securities exchange on which the Stock is then listed
         (which shall include the Nasdaq National Market) for that date or, if
         no price is so reported for that date, such price on the next preceding
         date for which the closing price was reported; or (ii) the price as
         determined by such methods or procedures as may be established from
         time to time by the Board.

                  (g) "Nonemployee Director" means any individual who is a
         member of the Board of Directors, but who is not otherwise an employee
         of the Company.

                  (h) "Nonqualified Stock Option" or "NQSO" means an option to
         purchase Stock, granted under Article 7, which is not intended to be an
         incentive stock option qualifying under Code Section 422.

                  (i) "Option" means a Nonqualified Stock Option under this
         Plan.

                  (j) "Participant" means a Nonemployee Director of the Company
         who has outstanding an award granted under the Plan.

                  (k) "Stock" means the shares of common stock of iPhysician Net
         Inc.

         2.2 Gender and Number. Except where otherwise indicated by the context,
any masculine term used herein also shall include the feminine; the plural shall
include the singular and the singular shall include the plural.

         2.3 Severability. In the event that a court of competent jurisdiction
determines that any portion of this Plan is in violation of any statute, common
law, or public policy, then only such portion shall be stricken. All portions of
this Plan that do not violate any statute or public policy shall continue in
full force and effect.

                            ARTICLE 3. ADMINISTRATION

         3.1 The Committee. The Plan shall be administered by the Board or a
Committee of two or more Nonemployee Directors appointed by the Board to
administer the Plan, subject to the restrictions set forth in this Plan. Except
as otherwise provided, reference to the Committee shall refer to the Board if
the Board does not appoint a Committee to administer the Plan.

         3.2 Administration by the Committee. The Committee shall have full
power, discretion, and authority to interpret and administer this Plan in a
manner which is consistent with the Plan's

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provisions. However, in no event shall the Committee have the power to take any
action that would result in the Plan not being treated as a formula plan under
Section 16 of the Exchange Act.

         3.3 Decisions Binding. All decisions made by the Committee pursuant to
the provisions of the Plan, and all related orders or resolutions of the
Committee shall be final, conclusive, and binding on all persons, including the
Company, its stockholders, employees, Participants, and their estates and
beneficiaries.

                      ARTICLE 4. SHARES SUBJECT TO THE PLAN

         4.1 Number of Shares. Subject to adjustment as provided in Section 4.3
herein, the total number of shares of Stock available for issuance upon exercise
of Options granted under the Plan may not exceed 250,000. The Stock may be
authorized and unissued Stock or Stock reacquired by the Company, as determined
by the Committee.

         4.2 Lapsed Awards. If any Option granted under this Plan terminates,
expires, or lapses for any reason, any Stock subject to purchase pursuant to
such Option again shall be available for grant under the Plan.

         4.3 Adjustments in Authorized Shares. In the event of any merger,
reorganization, consolidation, recapitalization, separation, liquidation, stock
dividend, split-up, Stock combination, or other change in the corporate
structure of the Company affecting the Stock, the number and/or type of Stock
subject to any outstanding Option, and the Option exercise price per share under
any outstanding Option, will be automatically adjusted so that the proportionate
interests of the Participants will be maintained as before the occurrence of
such event. Any adjustment pursuant to this Section 4.3 will be conclusive and
binding for all purposes of this Plan.

                    ARTICLE 5. ELIGIBILITY AND PARTICIPATION

         5.1 Eligibility. Persons eligible to participate in this Plan are
limited to Nonemployee Directors.

         5.2 Actual Participation. All eligible Nonemployee Directors shall
receive Board and Committee meeting fees under Article 6 and shall receive
grants of Options pursuant to Article 7.

                          ARTICLE 6. BOARD COMPENSATION

         6.1 Board and Committee Fees and Expenses. Each Nonemployee Director
shall be entitled to a fee equal to $1,000 for each Board meeting and a fee
equal to $500 for each Board committee meeting that is not in conjunction with a
Board meeting. Such amounts may be adjusted from time to time in the Board's
discretion. In addition, the Company shall reimburse each Nonemployee Director
for reasonable expenses incurred by the Nonemployee Director for traveling to
and attending Board and Board committee meetings.

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                            ARTICLE 7. OPTION GRANTS

          7.1 Grant of Options. Subject to the limitation on the number of
shares that may be awarded under this Plan, each Nonemployee Director shall be
granted an Option to purchase 30,000 shares of Stock upon closing of the
Company's initial public offering, and thereafter upon initial election or
appointment to the Board of Directors. Unless otherwise determined by the
Committee at the time of grant, the Option granted pursuant to this Section 7.1
shall vest and be exercisable with respect to up to 10,000 shares on each of the
first, second, and third anniversaries of the initial grant date, provided that
the Nonemployee Director is and has continued as a Director of the Company
during the entire prior year and as of the applicable anniversary date. The
Nonemployee Director may exercise his or her Option for a number of such shares
after the end of each anniversary as shall be equal to 10,000 shares multiplied
by a fraction, the numerator of which is the total number of meetings of the
full Board attended by the Nonemployee Director (in person or telephonically)
during the preceding year and the denominator of which is the total number of
meetings held by the full Board during such year. The portion of such Options
not exercisable by the Nonemployee Director, if any, shall immediately lapse and
be forfeited.

         7.2 Individual Award Agreement. Each Option grant shall be evidenced by
an individual agreement that will not include any terms or conditions that are
inconsistent with the terms and conditions of this Plan.

         7.3 Option Price. The purchase price per share available for purchases
under an Option granted pursuant to this Article 7 shall be equal to the Fair
Market Value on the grant date.

         7.4 Duration of Options. Unless earlier terminated, forfeited, or
surrendered pursuant to a provision of this Plan, each Option granted under this
Article 7 shall expire on the tenth anniversary date of its grant.

         7.5 Payment. Options shall be exercised by the delivery of a written
notice of exercise to the Secretary of the Company, setting forth the number of
shares with respect to which the Option is to be exercised, accompanied by full
payment for the Stock. The Option price upon exercise of any Option shall be
payable to the Company in full either: (a) in cash or its acceptable equivalent,
or (b) by tendering previously acquired Stock having a Fair Market Value at the
time of exercise equal to the total Option price (provided that the Stock
tendered upon Option exercise have been held by the Participant for at least six
(6) months prior to their tender to satisfy the Option price), or (c) by a
combination of (a) and (b). The proceeds from such a payment shall be added to
the general funds of the Company and shall be used for general corporate
purposes.

         7.6 Restrictions on Share Transferability. To the extent necessary to
ensure that Options granted under this Article 7 comply with applicable law, the
Board shall impose restrictions on any Stock acquired pursuant to the exercise
of an Option under this Article 7, including, without limitation, restrictions
under applicable Federal securities laws, under the requirements of any stock

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exchange or market upon which such Stock is then listed and/or traded, and under
any blue sky or state securities laws applicable to such Stock.

         7.7 Termination of Service on the Board of Directors. If the service of
a Participant on the Board terminates for any reason any outstanding Options
that are not vested as of such date shall be forfeited. The Options that are
otherwise exercisable as of the date of such termination shall be exercisable by
the Participant for one year after such termination, unless the Options expire
earlier under Section 7.4.

         7.8 Nontransferability of Options. No Option granted under this Article
7 may be sold, transferred, pledged, assigned, or otherwise alienated or
hypothecated, other than by will or by the laws of descent and distribution.
Further, all Options granted to a Participant under this Article 7 shall be
exercisable during his or her lifetime only by such Participant.

               ARTICLE 8. AMENDMENT, MODIFICATION, AND TERMINATION

         8.1 Amendment, Modification, and Termination. The Board may, at any
time and from time to time, terminate, amend or modify the Plan; provided,
however that to the extent necessary and desirable to comply with any applicable
law, regulation or stock exchange rule, the Company shall obtain shareholder
approval of any Plan amendment in such a manner and to such a degree as
required.

         8.2 Awards Previously Granted. Unless required by law, no termination,
amendment, or modification of this Plan shall in any manner adversely affect any
Option previously granted under this Plan, without the written consent of the
Participant holding such Option.

                            ARTICLE 9. MISCELLANEOUS

         9.1 Beneficiary Designation. Each Participant under this Plan may, from
time to time, name any beneficiary or beneficiaries (who may be named
contingently or successively) to whom any benefit under this Plan is to be paid
in the event of his or her death. Each designation will revoke all prior
designations by the same Participant, shall be in a form prescribed by the
Committee, and will be effective only when filed by the Participant in writing
with the Committee during his or her lifetime. In the absence of any such
designation, benefits remaining unpaid at the Participant's death shall be paid
to the Participant's estate.

         9.2 Successors. All obligations of the Company under this Plan, with
respect to Options or cash granted or paid hereunder, shall be binding on any
successor to the Company, whether the existence of such successor is the result
of a direct or indirect purchase, merger, consolidation, or otherwise, of all or
substantially all of the business and/or assets of the Company.

         9.3 Requirements of Law. The granting of Options or cash under the Plan
shall be subject to all applicable laws, rules, and regulations, and to such
approvals by any governmental agencies

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or national securities exchanges as may be required. Notwithstanding any other
provision set forth in this Plan, the Committee may, at its sole discretion,
terminate, amend, or modify this Plan in any way necessary to comply with the
applicable requirements of Rule 16b-3 promulgated by the Securities and Exchange
Commission as interpreted pursuant to no-action letters and interpretive
releases.

         9.4      Governing Law.  This Plan, and all agreements hereunder, shall
be governed by the laws of the State of Delaware.

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