America's Choice Healthplans

America's Choice Healthplans CEO Named to CareGain, Inc. Board of Advisors

Clelland Green recognized for his leadership in the health insurance industry

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Clelland Green King of Prussia, PA, February 26, 2002- Clelland Green, CEO and founder of America's Choice Healthplans (ACH), the world's first third-party online benefits administrator, has been asked to join the board of advisors of CareGain, Inc.

CareGain, Inc. is a healthcare asset management company for the employer-sponsored health benefits and insurance market. Its flagship product, the CareGain HealthcareIRATM, is a private, employee-owned account established by employers for their employees and funded by end-of-year dividends. The company is headquartered in Lawrenceville, New Jersey.

Green was tapped for CareGain's Board of Advisors because of his vast experience in marketing and product development in the health insurance space, as well as his knowledge and market leadership in benefits administration technology. His company, America's Choice Healthplans (ACH), leverages the power of the Internet to improve employers' efficiencies and provide greater management control through real-time, online communications. ACH's Web site, www.MyAmericasChoice.com, is the only online resource to provide employers with the comprehensive, interactive benefits information they need to best manage employee benefits programs, as well as allow their employees to live healthier lives.

"Clelland Green brings solid experience and technological vision to our advisory board," says David Lenihan, Chairman and CEO of CareGain.

Green has over 15 years of experience in the health insurance industry. Prior to founding ACH in 1994, he co-founded Cox-Green Associates in 1987, a managed care administrative firm. During his tenure as president and COO, Green brought the first self-funded managed care plans to the New Jersey marketplace, was instrumental in the establishment of several multi-employer programs, and created a successful distribution system within the insurance community.

Green looks forward to his new role with CareGain. "By offering excellent savings to employers without shifting the burden to employees, CareGain has established itself as one of the most forward-thinking companies in the industry," he says. "It's a great honor to be asked to join its board of advisors."

About America's Choice Healthplans
America's Choice Healthplans is the world's first online third-party benefits administrator to leverage the power of the Internet to improve employer's efficiencies and provide greater management control through real-time, online communications. The company's Web site, (www.MyAmericasChoice.com) is the only online resource to provide employers the comprehensive, interactive benefits information they need to best manage employee benefits programs, as well as allow their employees to live healthier lives. For employers, MyAmericasChoice.com provides the ability to monitor, review and alter employee claims and eligibility, as well as generate real-time, on-the-fly graphical reports they can use to manage their program on a day-to-day basis. For employees, MyAmericasChoice.com offers the ease and convenience of being able to review claims, find physicians and health care providers and receive detailed explanations of their benefits and their plans. America's Choice Healthplans works in partnership with some of the nation's leading health care providers and offers a range of benefit programs including health, dental, prescription drug, vision, life, and disability.

About CareGain, Inc.
CareGain, Inc. is America's First Healthcare Asset Management CompanyTM, marketing its flagship product, HealthcareIRATM, to the employer-sponsored healthcare benefits and insurance market. CareGain believes this market will transition to a more consumer-centric model, pressured by rising health insurance premiums, concerns with the managed care model, and the impact of HIPAA regulations and standards. CareGain's healthcare asset management model brings consumer-decision making in the economics of healthcare, and is incorporated seamlessly in the employer's current health benefit structure, without merely shifting greater financial and educational burden on to the employees. CareGain HealthcareIRA can provide significant cost savings to employers today, and funding to employees to cover for healthcare needs in the future and in retirement. CareGain was incorporated in 2001 and is based in Lawrenceville, NJ. For more information please go to www.caregain.com or call 212/219-0800.

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