To meet the changing needs of our customers, we are introducing BlueChoices, a new consumer-directed product portfolio designed to replace our current offerings of traditional, preferred and managed care products. BlueChoices products include BlueEssentials^SM, BluePreferred^® and BlueClassic^SM. BlueChoices will initially be targeted to employer groups who renew or become effective on or after January 1, 2004. BlueChoices offers options in benefits, deductibles and well-established provider networks (Participating, Preferred Provider Plan [PPP], Preferred Care and Access). The resulting benefit-deductible-network combinations produce a wide range of coverage and premiums. All benefit designs encourage members to participate in decisions concerning their health care. BlueChoices is just the first in a generation of consumer-directed products to be created as we continue to evaluate the health-care environment and the needs of our customers.

• BlueChoices Benefit Summaries