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Medical coverages available through the "Consumer Driven Benefits
Association"

The following plans are currently available:

Gold Care (US Life)

Silver Care (US Life)

NCE Health Plan

United Health Care - Choice Plus - Plan 1

United Health Care - Choice Plus - Plan 2

NOTE:

All benefits provided by this insurance are subject to the terms, definitions, conditions,
exclusions and limitations of the group policy. To obtain more information about this insurance,
please ask to speak to a licensed agent. All members of the Consumer Driven Benefits
Association are enrolled into the Association to be eligible to receive these benefits. The
insurance benefits are underwritten by the United States Life Insurance Company in the City of
New York, a member company of America International Group, Inc. under Group AD&D &
Medical Care Insurance Policy (Form #G-19000 issued to the Consumer Driven Benefits
Association. Coverage is not provided for loss due to a pre-existing condition for 12 months
from the Covered person's effective membership date*.

Coverage is not provided for members over the age of 64.*

The underwriting risks, financial obligations and support functions associated with the products
issued by The United States Life Insurance Company in the City of New York are its
responsibility. The United States Life Insurance Company in the City of New York is
responsible for its own financial condition and contractual obligations.

THIS IS NOT BASIC HEALTH INSURANCE.
THIS OFFER INCLUDES DISCOUNTS AND/OR SERVICES PLUS ADDED LIMITED
BENEFIT SUPPLEMENTARY INDEMNITY INSURANCE. NONE OF THESE,
INDIVIDUALLY OR IN COMBINATION ARE A SUBSTITUTE FOR BASIC HEALTH
COVERAGE, MAJOR MDEICAL INSURANCE OR ANY OTHER MEDICAL
EXPENSE REIMBURSEMENT INSURANCE PLAN.

This Plan is currently not available in New Jersey, Oregon, Washington, Connecticut and Florida.

This material is designed for informational purposes only and merely summarizes the benefits available. All
benefits are subject to the contracts, master group insurance policy and any amendments, which alone
constitute the agreement under which payments are made at the time of claim.