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Humana's vision: to become the most trusted name in health solutions. *LJMANA. HUMANA SNAPSHOT What is Humana? Humana Inc., headquartered in Louisville, Kentucky, is one of the nation's largest publicly traded health services companies with approximately 5.9 million medical members located in 15 states and Puerto Rico. The company, founded in 1961, is traded on the New York Stock Exchange (NYSE: HUM) Humana offers coordinated health care coverage to employer groups and individuals through a variety of plans: Health maintenance organizations Preferred provider organizations Point -of- service plans Administrative services products Government- sponsored plans Plans for U.S. military dependents and retirees The company's specialty products of dental, life and disability insurance complement its core health offerings. Humana provides health insurance and related services to companies ranging from less than 10 to tens of thousands of employees. Humana's innovative wellness and chronic disease intervention programs have received national recognition in and outside the health care industry. Such recognition is consistent with Human's vision: to become the most trusted name in health solutions. E- business is transforming Humana's business model Five key strategic Internet relationships have reinforced Humana's leadership in e- health solutions and allowed Humana to begin moving numerous business transactions to the Internet for our members and physicians, from enrollment to claims payments. The TriZetto Group, Oracle, Healtheon /Web MD, Microsoft and Electronic Data Systems (EDS) each bring their own set of technological capabilities in assisting Humana to maximize the Internet for all its stakeholders and to transform its business model from managed care to health solutions. Humana has expanded its partnership with CorSolutions, a disease intervention company, to include Internet capabilities for its members. eCorSolutions is now available online for Humana members in disease intervention programs, enabling them to adhere more closely to treatment July 2000 regimens and to monitor their health status on a real -time basis In November 1999, PC Week named Humana the 29th most Web -savvy company in any industry in the U.S. Humana's key assets Membership strength of approximately 5.9 million provides the buying power to offer customers superior value. With 95 percent of its medical membership in 15 states and Puerto Rico, Humana has the market position that has enabled the company to develop excellent provider networks in its key markets. To serve its members, Humana contracts with 330,000 physicians and 2,500 hospitals through its ChoiceCare Network, one of the nation's largest. Humana contracts with 39,000 pharmacies across the nation and in Puerto Rico. Humana has strong capabilities to serve small businesses. More than 120,000 small businesses rely on Humana coverage, with an average size of nine employees. A network of independent agents backs up sales and service to small groups. Humana offers its members award - winning programs in preventive care, early intervention and chronic disease intervention. Providing solutions to our members' health problems Humana takes its members' health very seriously. The company 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. Members enrolled in Humana's end stage renal disease (ESRD) intervention program administered by RMS Disease Management Inc. exceeded national averages for expected outcomes.The RMS program results are measured against benchmarks established by the Health Care Financing Administration. Ninety-three percent of Humana members in the RMS program achieved or exceeded hemodialysis adequacy targets versus the national average of 78 percent. More than 1,500 members enrolled in Humana's congestive heart failure program (CHF) with an average enrollment of 12 and one half months. Eighty-eight percent of Humana members enrolled in the CHF program are on appropriate vasodilator medication, with 60 percent of members receiving Continued on back side