Humana

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.

Humana offers a wide range of products and services designed specifically to meet the needs of small businesses. 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 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.

Accredited Health Plans
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.

• 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

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