The CIGNA
Choice Fund HSA had previously been available only to employers with more than
200 employees.

finance only

CIGNA HealthCare's extensive provider network and medical management programs
are also key features of the plan.6 million dental members, 8.

france financial

Aetna intends to offer similar plans in additional
states this year.

only financial

france discount

"CIGNA's HSA offers consumer-
focused approaches such as integrated web, call and claim service that
employees value and helps drive the consumer engagement that plan sponsors are
looking for.
The two new Aetna high-deductible health plans, which are compatible
with health savings accounts (HSAs), and four new Aetna Advantage PPO
plans are designed to provide affordable, comprehensive health
coverage options for individuals and their families. We strongly
believe that our plans will appeal to these individuals and their
families in this market.

plans business

Four of the plans, which are called Aetna Advantage PPO
plans, offer members the freedom to go directly to any doctor,
hospital or health care professional - including specialists - for
covered expenses, with no referrals required.

disability marketers

"
Aetna is offering individuals and their families six new PPO plan
designs.
All Aetna Advantage PPO plans feature coverage for routine
checkups and preventive care, specialty care, chiropractic care,
hospitalization and surgery, diagnostic testing, emergency care and
urgent care, subject to applicable copayments , coinsurance and
deductibles.
"Aetna's new plans for individuals and their families are a
welcome addition to the marketplace," said Albert Bacak, an agent for
BK Insurance Group, a Dallas small group and individual benefits
brokerage firm. Aetna members in Texas have access to a network
of 265 hospitals, 7,459 primary care physicians and 18,164
specialists.

finance offer

finance term

In addition to the financial offerings of JPMorgan Chase, the plan includes a
broad array of consumer decision support tools that encourage and help
consumers to make informed decisions about their health care, help them track
account balances online and help them plan for future health care needs. To introduce these new plans
to employees, CIGNA HealthCare offers communication and enrollment assistance
to help employees learn about their benefit choices and get the most out of
their health plan.

Aetna Introduces New Health Insurance Options for Individuals and Their Families in Texas; Health Plan Options Compatible With Health Savings Accounts Availabl

"
Aetna plans for individuals and their families are currently being
sold directly to consumers or through independent insurance agents and
brokers in Arizona , Delaware, Illinois, Pennsylvania, Virginia and
Washington, D.

marketers services

zealand france

"
The CIGNA Choice Fund HSA combines a tax-advantaged savings account with a
high-deductible health plan and financial management features, such as a debit
card and checkbook from JPMorgan Chase, all in an integrated benefits plan .
To help members make informed decisions, Aetna offers online tools
such as Aetna Navigator(TM ), a member self-service website that
provides a record of personal health information, and DocFind (R), a
directory members can use to search for health care professionals and
facilities by type , specialty, name, gender, language, hospital
affiliation and other criteria.

zealand health

SantaCroce said that consumer driven health plans, such as the CIGNA
Choice Fund HSA, can help employers manage costs by encouraging employees to
be more engaged in their health care decisions.C.

Category is for insurance agents and marketers web sites which offer health insurance only.

discount accounts

Aetna can offer members a convenient
referral option for establishing their HSA accounts, or members have
the freedom to choose their own HSA provider.

zealand offer

, March 3, 2005 -- CIGNA
HealthCare today announced that it is expanding the availability of its
consumer-driven CIGNA Choice Fund(SM) Health Savings Account (HSA ) plans to
businesses with 51-200 employees in North and South Carolina. "We are committed to addressing the health insurance needs of
the growing uninsured population - almost five million Texans, most of
whom are working without health insurance coverage. If a member chooses a
health care professional from Aetna's extensive network of
participating physicians and hospitals, out-of-pocket costs will be
lower. The plans include "first dollar coverage" and no deductibles
for in-network doctor office visits.aetna.

care marketers

However, members can take advantage of a
flexible health benefits plan tied to an HSA . "Aetna has identified a critical health insurance need
that exists for individuals and their families in Texas, and developed
plan options that are affordable and offer choice and flexibility.

long medical

CIGNA HealthCare Expands Health Savings Accounts in The Carolinas

The plans also include prescription drug coverage ,
subject to a deductible, copayments and calendar-year maximum, with no
deductibles for generic prescriptions.3 million group insurance members to help them
make better informed decisions about their health care and protect
their finances against health-related risks.

insurance discount

"We are pleased to offer employers in this market segment the flexibility
and savings of an HSA," said Mark SantaCroce , President and General Manager of
CIGNA HealthCare in North and South Carolina.
Aetna has a very strong, national reputation, and my clients value
well-known brands.

term marketers

finance agents

CIGNA is offering the expanded availability now for plans that
take effect on or after May 1, 2005.3 million
pharmacy members and 13. For more
information, please visit www.com.

term disability

Business Editors/Health Editors/Insurance Writers

DALLAS----Aetna (NYSE:AET) announced
today that it has begun marketing six new preferred provider
organization (PPO) plans for individuals and their families in Texas.

disability business

Aetna provides easy
access to cost-effective health care through a nationwide network of
more than 646,000 health care professionals, including over 385,000
primary care and specialist doctors and 3,908 hospitals .

agents consumer

As one of the nation's leading providers of health care, dental,
pharmacy, group life, disability and long-term care benefits, Aetna
puts information and helpful resources to work for its approximately
13.

business offer

Products and services are provided by these operating
subsidiaries and not by CIGNA Corporation . HSA contributions
are tax deductible and earn interest tax free.

financial term

CIGNA HealthCare, headquartered in Bloomfield, Connecticut, provides
medical benefits through managed care and indemnity health care plans, dental
coverage, behavioral health coverage, and pharmacy benefits.
"We are pleased to offer, for the first time in Texas,
cost-effective health plans for individuals and their families that
provide a wide range of choices and benefits levels," said Regina
Hunter, Aetna's general manager for small business in the Southwest
Region.
The additional two plans, Aetna high-deductible health plans,
which are compatible with HSAs, offer members similar benefits to the
Aetna Advantage PPO plans. HSAs are tax-advantaged
accounts used to pay for qualified medical expenses.
Aetna plans for individuals and their families are available in
189 counties in Texas.

agents term

Plans Now Available to Businesses with 51-200 Employees

BLOOMFIELD, Conn. "CIGNA" or
"CIGNA HealthCare" refers to various operating subsidiaries of CIGNA
Corporation (NYSE: CI). HSAs are portable , and
unused balances can be carried forward from year to year, making them
a strong value for consumers. Members also have access to Aetna
InteliHealth(R), an online consumer health information website.6 million medical members, 11. (Figures as of September 30,
2004)