Unicare Health Savings Accounts CONTRACTS JPMORGAN . FREE ONLINE QUOTES from Unicare Agent Jeff CLine www.PolicyStore.com provides online Health Insurance and HSA quotes FREE to the public.

Unicare Agent Jeff CLine www.PolicyStore.com provides online Health Insurance and HSA quotes.

August 19, 2004 -- UNICARE today announced it has arranged to have Health Savings Accounts (HSAs) provided by JPMorgan directly to eligible UNICARE members. Agent Jeff CLine redistributes this PR , and offers online insurance quotes for these products at
www.PolicyStore.com or by phone toll free 866-526-9669 .

UNICARE has arranged for ARCUS Financial, a division of ARCUS Enterprises, Inc., to provide services related to the opening and maintenance of these HSAs. UNICAR previously announced that it will be offering the High Deductible Health Plans (HDHPs)designed to be compatible with HSAs to individuals and group employees. HSA-enabling legislation became effective as part of the Medicare Prescription & Modernization Act signed by President Bush on December 8, 2003.

Get online quotes at www.PolicyStore.com

HSA's are the latest ;consumer-driven; strategy for managing the rising costs of health care expenses. HSA's allow individuals and families who have qualified HDHP's to put aside money in a tax-exempt HSA account to cover their qualified medical expenses. Individuals who purchase or enroll in an HDHP can make a pre-tax annual contribution to an HSA of up to $2,600 with families allowed a maximum contribution of $5,150. Individual purchasers are not eligible for an HSA if they qualify for Medicare, are covered under another persons tax return or are covered as an individual, spouse or dependent under another comprehensive health plan that is not an HDHP.

Find Plan descriptions at www.PolicyStore.com or by calling their toll free
number at 866-526-9669

The relationship between ARCUS Financial Services, JPMorgan and UNICARE will provide greater financial flexibility for individual consumers, employers, employees and their families to meet their increasing health and welfare needs in new, practical ways, said Denny Weinberg, CEO of ARCUS Enterprises. We value these types of joint development relationships that result in break-through ideas and productsideas that will lead and shape our business for years to come.

HSA advantages for consumers include:

*Tax-deductible contributions
*HSA account interest is tax-deferred
*HSA withdrawals can be used to pay for any qualified medical expense
*HSA's are portable and owned by the individual; contributions cannot be taken
away
*Unspent balances carry over and can accumulate over a lifetime to be used at
retirement to pay for uncovered medical expenses. (However, consumers may not
contribute once they reach age 65.)
*HSA's may be passed on to a surviving spouse tax free if the account holder
should pass away

As a leading financial services provider to the health care industry, JPMorgan is pleased to be providing this new health care financing option to UNICARE members, said John Prince, senior vice president, JPMorgan Treasury Services. JPMorgan is committed to developing new solutions to meet the needs of health care entities and to provide less expensive, more efficient and accurate tools for processing health care transactions.

According to Sandra Van Trease, president of UNICARE, Employers and consumers will benefit from having more options for managing their health care spending. They look to UNICARE to provide innovative products that offer flexibility, cost savings and tax advantages. Health Savings Accounts are yet another important financial resource that were pleased to offer as a direct service to our members.

For more information on HDHPs and other UNICARE products, consumers may contact
their local agent JEFF CLINE at www.PolicyStore.com for Individual & Small Employer Groups (less than 50 employees). Large Group consumers should contact Jeff CLine direct at 866-526-9669 or www.PolicyStore.com

UNICARE and its affiliates offer a broad spectrum of quality network-based health products including open access PPO, POS and hybrid products, HMO and specialty products. Specialty products include pharmacy benefit management, dental, utilization management, vision, mental health, life and disability insurance, long term care insurance, flexible spending accounts, COBRA administration, and Medicare supplements. UNICARE can be found on the web at unicare or www.PolicyStore.com , you can also call Jeff CLine direct at toll free 1-866-526-9669.

ARCUS Enterprises, Inc., is a wholly owned subsidiary of WellPoint (NYSE: WLP), the second largest health insurer in the U.S., which serves 15 million medical and 46 million specialty members. WellPoint is expanding the boundaries of its traditional lines of business through its creation of ARCUS Enterprises.

www.PolicyStore.com offers these plans online.

J.P. Morgan Chase & Co. (NYSE:JPM) is a leading global financial services firm with assets of $1.1 trillion and operations in more than 50 countries. The firm is a leader in investment banking, financial services for consumers and businesses, financial transaction processing, asset and wealth management, and private equity. A component of the Dow Jones Industrial Average, J.P. Morgan Chase & Co. has its corporate headquarters in New York and its U.S. retail financial services and commercial banking headquarters in Chicago. Under the J.P Morgan, Chase and Bank One brands, the firm serves millions of consumers in the United States and many of the world's most prominent corporate, institutional and government clients.

UNICARE High Deductible Health Plans are not HSA's. The HSA, which must be established for tax-advantaged treatment, is a separate arrangement between the individual and a bank or other qualified institution. You must be an eligible individual under IRS regulations to receive HSA tax benefits. The IRS has not yet issued HSA or High Deductible Health Plan regulations or determined that UNICARE High Deductible Health Plans are qualified. Consultation with a tax advisor is recommended. Jeff CLine through Unicare offers the Insurance portion of these types of plans.

For more health insurance information please contact agent Jeff CLine toll free
866-526-9669

Other Sites of intrest by Agent Jeff Cline:
www.PolicyStore.com
www.thePolicyStore.com
www.Unicare.biz
www.Unicare-health-insurance.com
www.UnicareAgents.com

Other Press Releases of intrest from UNicare Premier agent Jeff CLine :
www.prweb.com/releases/2004/8/prwebxml148387.php
http://www.prweb.com/releases/2004/8/prweb147713.htm

www.prweb.com/releases/2004/8/prweb147713.htm
http://www.prweb.com/releases/2004/7/prweb142334.htm

http://www.wcow.com/html/health_insurance.html

www.prweb.com/releases/2004/8/prweb147713.htm

www.prweb.com/releases/2004/8/prweb150436.htm

You can also find the unicare plan finder at:

https://express.rwsol.com/roi/putAgentConnect.do?brand=UNICARE&parenttin=BNKPKNLLNZ&id=BNKPKNLLNZ&agency=&fname=Jeffrey&lname=Cline&addr=412+Hwy34+South&city=Quinlan&state=TX&zip=75474&phone=903-356-5088&fax=888-277-5931&email=jdcline%40policystore.com

Other Press releases by PolicyStore.com

http://www.prweb.com/releases/2004/9/prweb159154.htm
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http://www.prweb.com/releases/2004/8/prwebxml148387.php
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http://www.prweb.com/releases/2004/7/prweb142334.htm
http://www.prweb.com/releases/2004/7/prweb143613.htm
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