About HumanaOne

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Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health benefits companies, with approximately 7 million medical members located primarily in 15 states and Puerto Rico. Humana offers coordinated health insurance coverage and related services — through traditional and Internet-based plans to employer groups, government-sponsored plans and individuals.

Humana has proven over its 43-year history that it embraces change and has seized opportunities that have helped to transform its business.

Today, innovation serves as Humana's growth engine as we transform the company's business to give our customers personalized, actionable health benefits information in real time. With the right blend of Humana product designs and the use of digital technology to achieve administrative simplicity for employer groups, physicians, hospitals and other health care providers, Humana is poised to take advantage of the tremendous opportunity offered by the growth of information technology.

Humana offers coordinated health insurance coverage and related services to employer groups, government-sponsored plans and individuals through:

• Administrative services products
• Preferred provider organizations
• Consumer driven plans
• Health maintenance organizations
• Government-sponsored plans
• Plans for U.S. military dependents and retirees

The company's specialty products — dental, life and disability insurance — complement its core health offerings. Humana provides health benefits and related services to companies ranging from fewer than 10 to tens of thousands of employees.

Humana offers a wide range of products and services designed specifically to meet the needs of small businesses, too. Small employers can choose from a broad spectrum of cost-effective health plans. With Humana, small businesses enjoy the convenience of having a single source of employee benefits, along with expert advice to get the most from their Human benefit dollar.

Many individuals also rely on Humana for insurance coverage. HumanaOne, Humana's individual insurance plans, offers consumers lasting value thanks to Humana's experience, nationwide presence and ability to secure cost-saving discounts. HumanaOne insurance plans are designed to provide the kind of flexible, reliable coverage that consumers are seeking, plus many of the features usually found only in group plans.

Those with Humana coverage have access to hundreds of thousands of doctors across the nation. In fact, Humana's ChoiceCare Network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.

E-business is transforming Humana's business model on line at Humana.com
Humana continues to receive accolades for its online, self-service capabilities it provides to its customers. Humana has been recognized for its leadership in and commitment to e-business solutions through technological, procedural and organizational innovation. Humana's e-business approach focuses on meeting the changing information needs for all its stakeholder groups with an emphasis on creating informed health care consumers

• The Health Plan Humana Wizard guides members as they select from the various plan options for Humana's Smart products. This online tool helps members evaluate tradeoffs between possible expenditures such as co-payments and monthly premium amounts. The Humana Wizard asks questions about health care needs and financial status and provides consumers with a side-by-side comparison of plan options to help them select a plan based on their needs.

• PlanProfessorism, a comprehensive, ongoing employee communication program that includes newsletters, Web content and direct mail pieces for employers to use in educating employees to become active participants in health benefits decisions.

• MyHumana is a secured personal home page that allows members to consolidate information, set preferences and drive all health benefit transactions through one location.

• Maximize Your Human Benefit provides information about pharmacy benefits. Sometimes Humana members purchase a prescription when a less expensive cost option with the same medical effectiveness is available. In that case, Humana sends letters, secured e-mails or voicemails to inform the member of potential savings to them and encourages them to talk with their physician about their prescription options. This empowers Humana members to decide which drug best meets their needs.

• Humana Rx Calculator — a web-based tool designed to help Humana members project what their pharmacy costs will be and make a pharmacy benefit plan decision based on their budgetary and medical needs.
To address the vital concerns of privacy and security, we make use of a range of internationally accepted and industry standard Humana security measures including encryption, distinct validation and control centers (also known as firewalls) and much more. In addition, the Humana system is regularly subjected to stringent security reviews and penetration tests by independent firms.

Enhancing our members' health care experience at Humana
Humana's innovative wellness and chronic disease intervention programs have received national recognition inside and outside the health care industry — programs such as End Stage Renal Disease, Congestive Heart Failure and Diabetes.

Humana takes its members' health very seriously. Humana puts extensive energy and resources into providing access to services that seek to help people get well and prevent them from getting sick in the first place.
Our Personal Nursesm service provides guidance to information and tools that can help members understand their health care options, take control of their health needs, and get the most from their plan benefits.

Accredited Health Plans Humana, Humana One
Humana has received accreditation for its HMO plans from the National Committee for Quality Assurance (NCQA) and the American Accreditation Healthcare Commission/ Utilization Review Accreditation Commission (AAHC/URAC). Humana continues to maintain accreditation in select markets through both NCQA and AAHC/URAC. For accreditation information about a Humana health plan in your area, contact your local Humana office. a HumanaOne

Humana is the first health benefits company to achieve registration of its Personal Nurse and Transplant Management services under ISO 9001: 2000, an international quality management standard that measures how an organization meets its customer’s needs. It also provides a structured approach to constantly improving business practices and customer satisfaction.

• Humana's financial strength (As of 11/01/04)
• Fortune 200 company with annual revenues of approximately $13 billion
• Total assets of approximately $5.4 billion as of Sept. 30, 2004
• Net income for 2003 of $229 million rose 60 percent over net income for 2002 .
• Net income for the first nine months of 2004 was up 43 percent compared to the same period in 2003.
• Investment-grade credit ratings by Moody's, Standard & Poor's and Fitch

*For a complete listing of benefits, exclusions and limitations please refer to the certificate of insurance. In the event there are discrepancies with this information on the GetHealthInsurance.com web site, the terms and conditions of the coverage documents will govern. Benefits, exclusions and limitations may vary from State to State. GetHealthInsurance.com and GHIC Corporation can not be sure that the information provided is 100% accurate because health insurance companies are continually changing health insurance benefits and language. We recommend you review full up to date coverage documents from the insurance company prior to making any financial decisions or commitments. Please call the GHIC Corporation HELP DESK at 877.236.7444. 8:30AM- 9:00PM Est. if you have any questions or need further assistance.