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Company Background

In The Beginning

U.S. Care, Inc. (USC) was founded in 1989 by Samuel X. Kaplan, the founder and former Chairman & CEO of U.S. Administrators, Inc. (USA), one of the nation's leading third party administrators and first care management companies, servicing corporate group health plans. USA's clients included Bethlehem Steel, Conoco, Contel, General Electric, Goldman Sachs, Hewlett-Packard, Lever Brothers, RCA and the United Mine Workers of America Health and Retirement Funds. 

In 1986, USA was acquired by Crownx of Toronto, Ontario, Canada. In 1989, USA merged with Alta Health Strategies and later became First Health.

Our Business

U.S. Care is a chronic care management company emphasizing managed care and focusing on positive patient outcomes. U.S. Care designs, implements and manages long-term care (LTC) home care programs to corporations, unions and public employee groups, as well as direct sales to individuals through a broker network.

U.S. Care offers a number of benefit plan funding options, including fully insured and self-funded. Insurance for U.S. Care's fully insured products are provided by Trustmark (Mutual) and Manhattan National Life, both Best's A+ rated companies; and MedAmerica, an A rated company by both A.M. Best and Standard & Poor's. Reinsurance for U.S. Care's self-funded clients is provided by Cologne Life Reinsurance Company.

"Total Living Care®," U.S. Care's individual home care product is fully insured by Pioneer Life Insurance Group of Illinois. 

Our Products

The first four group clients of the U. S. Care group LTC plan were the California Public Employee Retirement System (CalPERS), Hewlett-Packard (HP), Dade County, Florida, Public Schools and the Public Employees' Retirement Association of Colorado. In each case, the U.S. Care group LTC plan was selected because it offers a significant improvement over the long-term care plans available from traditional insurance companies. 

U.S. Care's plans offer a broader range of benefits and services at a lower cost. In addition, U.S. Care offers the only group LTC plans available on a self-insured basis.

CalPERS, together with the State Teachers Retirement System and County Employees, has 1,000,000 active and retired members. Enrollment for the CalPERS group long-term care plan is 106,000.

Hewlett-Packard has 65,000 active employees and 5,400 retirees. Initial enrollment for the Hewlett-Packard Group Long-term Care Plan exceeded 10,000 enrollees.

Dade County Public Schools, the second largest company in Florida and the fourth largest school district in the United States, has 36,000 employees. During the first enrollment period, 10,000 people enrolled in the Long-Term Care Program.

The Public Employees' Retirement Association (PERA) of Colorado has 148,000 active members and approximately 45,000 retirees. Enrollment is currently in process.

The Future

U.S. Care's Total Living Care® (TLC) product has been approved in 13 states. States where U.S. Care's product have been approved include Arizona, California, Colorado, Florida, Georgia, Illinois, Kentucky, Michigan, Mississippi, Missouri, Nevada, North Carolina and Ohio.

Additionally, U.S. Care is developing an innovative new product which will be marketed to individuals under the brand name Partner for LifeSM. This product will allow individuals to custom build their own long-term care plan by selecting from several nursing home and home health plans plus an array of optional benefits. The marketing campaign for Partner for LifeSM has already been developed, and the product has been approved in California; U.S. Care is in the process of filing Partner for LifeSM for regulatory approval in several other major states. U.S. Care anticipates Partner for LifeSM will be launched in the Florida, Colorado, Texas, and California markets in the first half of fiscal 2000.

Several senior members of the management staff associated with USA's innovative history have joined U.S. Care. Additionally, senior managers from two of California's largest HMOs (HealthNet and FHP/PacifiCare) have recently joined U.S. Care's management team. These individuals bring their successful experience as leaders in operations, finance, sales and marketing, cost management and product development to carry forward the development and implementation of U.S. Care's leading edge long-term care programs and services. 

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