Exhibit 10(x) AGREEMENT BETWEEN OHIO BUREAU OF WORKERS' COMPENSATION AND COMMUNITY INSURANCE COMPANY D/B/A ANTHEM BLUE CROSS AND BLUE SHIELD, DATED NOVEMBER 10, 1998, AS ASSIGNED TO COMPMANAGEMENT HEALTH SYSTEMS, INC. ON JULY 16, 1999 AGREEMENT...

Exhibit 10(x)

AGREEMENT BETWEEN OHIO BUREAU OF WORKERS' COMPENSATION
AND COMMUNITY INSURANCE COMPANY
D/B/A ANTHEM BLUE CROSS AND BLUE SHIELD,
DATED NOVEMBER 10, 1998, AS ASSIGNED TO
COMPMANAGEMENT HEALTH SYSTEMS, INC. ON JULY 16, 1999

AGREEMENT BETWEEN
OHIO BUREAU OF WORKERS' COMPENSATION AND
COMMUNITY INSURANCE COMPANY D/B/A ANTHEM BLUE CROSS AND BLUE SHIELD

This is an Agreement by and between Community Insurance Company d/b/a
Anthem Blue Cross and Blue Shield (the "MCO"), having offices at ▇▇▇▇ ▇▇▇▇▇▇▇▇'▇
▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇, and the State of Ohio, Bureau of Workers'
Compensation (the "Bureau" or "BWC"), having offices at ▇▇ ▇. ▇▇▇▇▇▇ ▇▇▇▇▇▇,
▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇-▇▇▇▇, entered into the day, month and year set out below.

Whereas, the Bureau is required to administer the Health Partnership
Program ("HPP") under the provisions of Revised Code Section 4121.44 and the
Rules promulgated under the authority of Revised Code Section 4121.441; and,

Whereas, the Bureau desires to obtain the services of one or more
managed care organizations to provide medical management and cost containment
services to Ohio employers and injured workers in accordance with the HPP; and,

Whereas, the MCO desires to provide medical management and cost
containment services in support of the Bureau's administration of the HPP:

Now, therefore, the parties hereto in consideration of the services to
be performed and the compensation to be paid mutually agree to the following:

1. SCOPE OF SERVICES. The MCO shall provide for and perform the following
services and activities:

A. MEDICAL MANAGEMENT.

The MCO shall provide medical management services for all workers'
compensation cases that result from injuries and occupational diseases
to employees arising out of the course and scope of employment as
provided by law, including Medical Case Management services as defined
under Appendix G of this Agreement). The MCO recognizes that (1) all
services provided are linked to the successful return to work or
resolution for injured workers, (2) close interaction between the MCO
and the employer is critical to the program's success, (3) close
attention to treatment protocols and Treatment Plans is required, (4)
provider networks must emphasize the appropriate provider composition
to treat occupational injuries and illness, and (5) continually meeting
data requirements is essential for effecting and measuring return to
work.

B. HEALTH CARE PROVIDER NETWORK.

(1) The MCO shall provide for and maintain a health care provider
network (the "Network"). The MCO shall not discriminate against any
category of health care provider when establishing categories of
providers for participation in its Network. However, the MCO is not
required to accept or retain any individual provider in its Network.
The MCO shall submit to the Bureau for prior approval any changes in
the Network that would materially change Network provider composition.

(2) In addition to primary care physicians specifically selected and
recruited to treat workers' compensation patients under the HPP, the
Network shall continually provide access to specialty providers
recruited to treat workers' compensation patients under the HPP,
including but not limited to:

Orthopedic Surgeons Psychologists
Physical Therapists Plastic Surgeons
Occupational Therapists Neurosurgeons
Chiropractors Podiatrists
Occupational Medicine Physicians Dentists
General Surgeons Ophthalmologists
Radiologists Prosthetists and Orthotists
Anesthesiologists Pulmonary Disease Specialists
Neurologists Infectious Disease Specialists
Physiatrists (Physical Medicine Physicians) Dermatologists
Hand Surgeons
Psychiatrists

(3) Maintaining appropriate Network provider composition is the sole
responsibility of the MCO and not the responsibility of any leased
provider network.

(4) The MCO's Network shall consist of providers sufficient in number
and type to meet the needs of employers and employees in each county in
which the MCO is certified. All Network providers shall be Bureau
certified. The MCO shall credential all Network providers in terms of
qualifications to provide treatment for workers' compensation patients
and to meet HPP return to work objectives. All Network providers shall
be credentialed by the MCO as of the Effective Date of this Agreement.
The Bureau retains the discretion to require that Network providers be
re-credentialed by the MCO during the term of this Agreement.

(5) The MCO shall provide access to the following health care
facilities, supplies and services as part of its Network:

Acute Care Hospitals
Urgent Care Centers
Laboratories
Diagnostic Radiology Centers
Medical Equipment Suppliers
Home Health Agencies
Acute Rehabilitation Centers
Sub-Acute Facilities (including Sub-Acute Rehabilitation and
Skilled Medical Facilities)
Rehabilitation Hospitals
Long Term Care Facilities
Traumatic Brain Injury Facilities

C. ADHERENCE TO PRESCRIBED TREATMENT GUIDELINES.

(1) The MCO services shall include implementation of treatment
guidelines, return to work guidelines and utilization review to
evaluate the necessity and/or effectiveness of medical care. The
treatment and return to work guidelines utilized by the MCO shall be
nationally recognized guidelines and shall include one or more of the
guidelines specified in Sections 1C(1)(a), (b), or (c) of this
Agreement.

2
4

(a) The Bureau shall distribute the following treatment
guidelines, as applicable, to Bureau certified providers
designated by the Bureau. The MCO may use any of these
guidelines to comply with Section 1C(1) of this Agreement:

▇▇▇▇▇▇▇▇ and ▇▇▇▇▇▇▇▇▇, Healthcare Management
Guidelines, Volume 7.

InterQual Clinical Decision Support Criteria:
Indications for Workers' Compensation Clinical
Management.

▇▇▇▇▇ ▇▇▇▇▇▇▇▇, D.C., M.D., Ph.D., ▇▇▇▇▇
▇▇▇▇▇▇▇-▇▇▇▇▇, LLB, ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇., B.S.,
eds., Guidelines for Chiropractic Quality Assurance
and Practice Parameters, Proceedings of the Mercy
Center Consensus Conference, 1993.

(b) If the MCO does not wish to use the guidelines listed in
Section 1C(1)(a) of this Agreement, the MCO may use any of the
following treatment guidelines to comply with Section 1C(1) of
this Agreement. The MCO shall distribute any treatment
guidelines it opts to use under this Section to all Bureau
certified Network providers designated by the Bureau to
receive treatment guidelines under Section 1C(1)(a) of this
Agreement:

The American Accreditation Healthcare Commission,
URAC National Workers' Compensation Utilization
Management Standards.

▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇, M.D., M.P.H., M.B.A., Chair,
American College of Occupational and Environmental
Medicine, ed., Occupational Medicine Practice
Guidelines.

Institute for Health Care Quality, Quality First Risk
Management System Practice Guidelines.

▇▇▇▇▇▇▇ ▇▇▇▇, M.D., The Medical Disability Advisor -
Workplace Guidelines for Disability Duration, Second
Edition.

U.S. Department of Health and Human Services, Public
Health Service, Agency for Health Care Policy and
Research, Acute Low Back Problems in Adults -
Assessment and Treatment.

(c) If the MCO does not wish to use the guidelines listed in
Section 1C(1)(a) or (b) of this Agreement, the MCO may use any
alternative guidelines that are approved in advance by the
Bureau as being at least equal in effectiveness to the
guidelines listed in Section 1C(1)(a) or (b) of this Agreement
to comply with Section 1C(1) of this Agreement. The MCO shall
distribute any treatment guidelines it opts to use under this
Section to all of its Bureau certified Network providers
designated by the Bureau to receive treatment guidelines under
Section 1C(1)(a) of this Agreement:

(3) All MCO Medical Case Management staff members shall complete annual
training on the MCO's treatment guidelines, return to work guidelines,
utilization review and protocols.

D. SUBMISSION OF PLANS OF CARE.

(1) The MCO shall submit coordinated Plans of Care on all lost-time
injured workers and injured workers with designated medical-only
diagnosis codes as designated in the MCO Policy Reference Guide
(Appendix A) to the Bureau as follows: (a) if hard copy, must be
submitted

3
5

within five (5) Business Days of the Bureau's allowance decision; (b) if
electronic 278 Plan of Care or equivalent (when reinstated by the Bureau
pursuant to Section 1J(3) of this Agreement), must be available for
pickup by the EDI system provider designated by the Bureau no later than
2:00 P.M. Eastern Time the fifth Business Day after the Bureau's
allowance decision; and (c) in all cases, must be re-submitted or updated
when significant changes in the Treatment Plan occur as defined in the
MCO Policy Reference Guide, but no less often than every sixty (60) days
for so long as treatment is ongoing unless otherwise specified in writing
by an appropriate Bureau representative.

(2) A submitted Plan of Care shall include the diagnosis (including
designation of the primary diagnosis), prognosis, expected outcomes
(including anticipated return to work date) and provider Treatment Plan
(including prescribed medications, duration and frequency of treatment).

(3) Not later than March 1, 1999, the MCO's process of reviewing medical
bills shall be integrated with the associated Plan of Care. Plan of Care
compliance by the MCO and integration with ▇▇▇▇ review are subject to
periodic audit by the Bureau.

E. TREATMENT REIMBURSEMENT AUTHORIZATIONS/DENIALS.

(1) Treatment reimbursement authorizations and denials by the MCO shall
be evaluated using the following three-part test (all parts must be met
to authorize treatment reimbursement):

- The requested services are reasonably related to the
injury;
- The requested services are reasonably necessary for
treatment of the injury;
- The costs of the services are medically reasonable.

(2) Treatment reimbursement decisions shall be communicated in writing,
with an appropriate explanation, within three (3) Business Days from the
MCO's treatment reimbursement request Receipt Date as follows: all
treatment reimbursement decisions shall be sent to the Bureau and the
provider; treatment reimbursement denials shall also be provided to the
injured worker and his or her representative, if any; treatment
reimbursement approvals shall also be provided to the employer and its
representative, if any, upon request and as set forth in the MCO Policy
Reference Guide (Appendix A).

(3) The MCO shall respond to a provider's proposed Treatment Plan
(submitted on a C-9 or other appropriate form) within three (3) Business
Days from the MCO's Treatment Plan Receipt Date, either authorizing,
denying, or pending reimbursement approval for the proposed Treatment
Plan due to insufficient information, in accordance with the provisions
of the MCO Policy Reference Guide (Appendix A). A Clinician (as defined
in Appendix G of this Agreement) shall make all treatment reimbursement
denials on behalf of the MCO.

(4) The MCO shall phase in the appropriate certification requirements for
its Medical Case Management staff (including vendors and subcontractors)
as follows: twenty-five percent (25%) of all MCO staff performing Medical
Case Management (as defined in Appendix G of this Agreement) shall be
certified as medical case managers as defined in Rule 4123-6-022(C)(32)
of the Ohio Administrative Code by December 31, 1999; fifty percent (50%)
of all MCO staff performing Medical Case Management (as defined in
Appendix G of this Agreement) shall be certified as medical case managers
as defined in Rule 4123-6-022(C)(32) of the Ohio Administrative Code by
September 15, 2000.

F. ALTERNATIVE DISPUTE RESOLUTION.

The MCO shall have an alternative dispute resolution ("ADR") process for
the resolution of medical disputes that includes one independent level of
review. If an individual health care

4
6

provider is involved in the dispute, the independent level of review
shall consist of a peer review conducted by an individual or individuals
licensed pursuant to the same section of the Ohio Revised Code as the
health care provider. The MCO shall conduct its ADR process in accordance
with the provisions of Rule 4123-6-16 of the Ohio Administrative Code and
the MCO Policy Reference Guide.

G. HEALTH CARE QUALITY ASSURANCE/PROVIDER QUALITY IMPROVEMENT.

The MCO shall have a medical management quality assurance program that
includes the use of an updated quality assurance policies and procedures
manual that is in compliance with American Accreditation Health Care
Commission/URAC standards. The MCO shall continually assess the quality
of treatment reimbursement decisions and billing procedures in connection
with approved treatment reimbursement.

H. PROVIDER PAYMENTS.

(1) The MCO shall submit medical provider bills electronically to the
Bureau within seven (7) Business Days from the MCO's provider ▇▇▇▇
Receipt Date. The Bureau shall review all bills for allowed conditions
and allowed claims and shall pay the MCO for allowed payments after
receipt of a proper invoice and after a final adjudication permitting
payment for the claim. The Bureau shall make Electronic Fund Transfer
("EFT") to the MCO within seven (7) Business Days after receipt of a
proper invoice and after a final adjudication permitting payment for the
claim. The MCO shall pay the provider within seven (7) Business Days from
receipt of the EFT. The MCO shall pay interest to the Bureau at the rate
established by the Office of Budget and Management, if the provider is
not paid within thirty (30) days of receipt of the EFT from the Bureau.

(2) The MCO shall retrieve electronic bills from the Bureau's World Wide
Web site (▇▇▇.▇▇▇▇▇▇▇.▇▇▇) no later than 5:00 P.M. the next Business Day
after the bills are placed in the MCO's directory by the Bureau.

(3) The MCO shall pay provider bills in accordance with Rules 4123-6-10,
4123-6-11, and 4123-6-12 of the Ohio Administrative Code. However, if the
MCO utilizes a leased provider network to fulfill the requirements of
Section 1B. of this Agreement, the MCO shall not apply the discounted
payment rates of the leased network to its payments to any provider
within that network without first obtaining the signed written consent of
the provider.

(4) Not later than March 1, 1999, the MCO shall have and use a system
that tracks the status of provider bills at any stage of the ▇▇▇▇
adjudication process. Such a system must allow the MCO to respond to
inquiries by authorized parties and to the Bureau as to the disposition
of a ▇▇▇▇ and the expected payment date of a ▇▇▇▇. The Bureau may require
the MCO to issue reports to the Bureau and/or medical providers on the
status of payments to providers.

(5) The MCO shall educate providers, both in-state and out-of-state, on
correct billing procedures and the MCO's prior authorization methods.

(6) Following termination of this Agreement the Bureau shall reimburse
the MCO for providers' services only if invoices are submitted within
sixty (60) days of the termination date and only if such payment is not
subject to deduction.

I. EMPLOYER EDUCATION/INJURED WORKER ASSISTANCE.

(1) The MCO shall have an employer education program where the MCO (or
its vendor or subcontractor) shall visit each employer with an experience
modification of one hundred twenty-five percent (125%) or greater that is
serviced by the MCO for the purposes of educating the

5
7

employer on effective return to work programs and learning more about the
employer's work site and operations. Such visits are subject to audit by
the Bureau and Bureau staff may accompany the MCO representatives to
on-site visits at the Bureau's discretion.

(2) The MCO shall provide MCO identification ("I.D.") cards to all
employers within thirty (30) days of employer assignment to the MCO. The
Bureau may reassign an employer from the MCO if the Bureau determines
that the reassignment is in the best interest of both the employer and
the MCO.

(3) The MCO shall provide Network provider directories to employers upon
request. The MCO shall assist the injured worker in locating a Bureau
certified provider, whether in-state or out-of-state, if the injured
worker or employer requests assistance.

J. ELECTRONIC DATA INTERCHANGE ("EDI") REQUIREMENTS.

(1) The MCO shall comply with all requirements for submission and receipt
of EDI transactions as set forth in the EDI Implementation Documentation
(Appendix B) and within this Agreement. The EDI Implementation
Documentation may be modified by the Bureau from time to time to comply
with Bureau policies, the Health Insurance Portability & Accountability
Act of 1996 ("HIPAA") and the Accredited Standards Committee ("ASC") X12
versions. The MCO shall have in force a contract with an EDI system
provider designated by the Bureau. The MCO will be given a minimum of six
(6) weeks for implementation of any EDI modification unless both parties
mutually agree to a shorter time frame.

(2) EDI pick-up and delivery is the responsibility of the MCO. The MCO
shall pick-up EDI transactions according to its EDI system provider
contract and the EDI Implementation Documentation from a location
determined by the Bureau. The MCO will deliver all EDI transactions
according to its EDI system provider contract and the EDI Implementation
Documentation to a location approved by the Bureau.

(3) The MCO shall meet and implement whenever applicable all requirements
for submission to the Bureau of the following EDI transaction types as
defined by the EDI Implementation Documentation:

- 148 Report of Injury, Illness or Accident (including all planned
changes as defined in the 148 Summary of Planned Changes for 1999
section of the EDI Implementation Documentation)
- First Report Of Injury ("FROI") -- must be available for
pickup by the EDI system provider designated by the Bureau
no later than 2:00 P.M. Eastern Time the second FROI
Business Day after the MCO's FROI Receipt Date
- Subsequent Claim Information
- 837 Health Care Claim
- Medical ▇▇▇▇ for an allowed claim -- within seven (7)
Business Days of the MCO's Receipt Date for the ▇▇▇▇
- 278 Health Care Services Review Information
- Plan of Care or equivalent (when reinstated)
- 997 Functional Acknowledgment
- Within twenty-four (24) hours of transactions received from
the Bureau.

(4) The MCO shall meet and implement whenever applicable all requirements
for receipt from the Bureau of the following EDI transaction types as
defined by the EDI Implementation Documentation:

6
8

- 835 Health Care Claim Payment/Advice
- 824 Application Advice
- Initial Claim Acknowledgment or Denial, Subsequent Claim
Denial, Plan of Care or Equivalent Denial, Medical ▇▇▇▇
Denial, and Positive ▇▇▇▇ Receipt Acknowledgment if and when
implemented.
- 997 Functional Acknowledgment
- 816 Organizational Relationships
- Employer Information
- Employer & Injured Worker Representative(s) Demographic Data
once implemented
- 148 Report of Injury, Illness or Accident (including all planned
changes as defined in the 148 Summary of Planned Changes for 1999
section of the EDI Implementation Documentation)
- Subsequent Claim Information
- Electronic provider information or equivalent once implemented

(5) The MCO shall meet and implement whenever applicable all requirements
for receipt of the following EDI transaction types from medical providers
as defined by the EDI Implementation Documentation:

- 837 Health Care Claim by February 1,1999.
- 148 Report of Injury, Illness or Accident (Inbound FROI) once
implemented
- Electronic Treatment Plan or equivalent once implemented

(6) The MCO shall meet and implement whenever applicable all requirements
for submission of the following EDI transaction types to medical
providers as defined by the EDI Implementation Documentation:

- Advice and Response to the Provider 837 by February 1, 1999
- 835 Health Care Claim Payment/Advice once implemented
- Electronic fund transfers once implemented

(7) The Bureau's required data element criteria is defined for each
transaction set, where applicable, in the transaction set overview in the
EDI Implementation Documentation. The required data element criteria is
listed alphabetically for each data element for each transaction set,
where applicable, in the Business Rules Matrix in the EDI Implementation
Documentation.

K. INFORMATION SYSTEMS CAPABILITY.

(1) The MCO shall have a Year 2000 Compliant integrated information
system that supports each business function throughout the lifecycle of a
claim. The MCO warrants that all products or services provided under this
Agreement shall be Year 2000 Compliant, as defined in Appendix G of this
Agreement. The provisions of this paragraph shall survive any termination
or expiration of this Agreement.

(2) The MCO shall periodically demonstrate to the satisfaction of the
Bureau that its information system is capable of supporting its managed
care process through the effective integration of its technical
information processing components.

(3) The MCO shall have the capacity to access claim information via the
Bureau's External Data Access (EDA) program and to bear its own equipment
and Network Service Provider (NSP) costs where applicable.

7
9

(4) The MCO shall demonstrate its ability to capture data required for
the Return to Work Degree of Disability Management (DoDM) measurement set
forth in Appendix E of this Agreement.

(5) In addition to electronic bills, the MCO shall have Internet access
and shall retrieve files available for download from the Bureau World
Wide Web site (▇▇▇.▇▇▇▇▇▇▇.▇▇▇) no later than 5:00 P.M. the next Business
Day after the files are placed in the MCO's directory by the Bureau.
These files include but are not limited to Provider List Update, Customer
Service Team (CST) update, Open Enrollment Claim Update File, the
Foresight Corporation's EDISIM product along with the Ambassador Kit and,
when available, the Employer and Injured Worker Representative(s)
demographic data.

(6) The MCO shall have the capability to communicate with the Bureau via
Internet e-mail, including the capability to access e-mail attachments.
The MCO shall also have the capability to create and interpret text-based
documents.

(7) The MCO shall have at least one personal computer that is capable of
executing downloaded computer programs, including but not limited to,
Foresight EDISIM and Ambassador Kit products from the Bureau World Wide
Web site (▇▇▇.▇▇▇▇▇▇▇.▇▇▇).

L. MCO REVIEWS AND AUDITS.

(1) The Bureau may conduct random, unannounced reviews or audits of the
MCO. The scope of such reviews or audits shall include, but is not
limited to, substantial performance with the terms and conditions of this
Agreement, consistent and appropriate use of treatment guidelines and
return to work guidelines, compliance with any and all technical
requirements and time deadlines, financial and accounting information and
return to work results.

(2) On or before June 30, 1999, the Bureau shall require an independent
auditor's report on the policies and procedures placed in operation at
the MCO and tests of operating effectiveness, specifically the Statement
on Auditing Standards ▇▇. ▇▇, ▇▇▇▇▇ ▇ ▇▇▇▇▇▇ ("▇▇▇ ▇▇"). This report
shall cover at a minimum a ten (10) month period occurring between July
1, 1998 and June 30, 1999. The SAS 70 report shall be prepared using the
control objectives provided by the Bureau and in the format specified by
the Bureau. During the term of this Agreement the MCO shall submit such
reports on or before June 30 of each year covering at a minimum a ten
(10) month period occurring between July 1 of the preceding year and the
filing deadline. The MCO shall implement all SAS 70 audit recommendations
resulting from deficiencies identified in the report.

(3) On or before June 30, 1999, the Bureau shall require independently
audited financial statements from the MCO. The audit report shall be
prepared using Generally Accepted Accounting Principles ("GAAP"), and
shall cover a twelve (12) month period ending between July 1, 1998 and
June 30, 1999. During the term of this Agreement, the MCO shall submit
such reports on or before June 30 of each year covering the MCO's most
recent fiscal year.

(4) The MCO shall retain copies of canceled checks, original provider
bills and other documentation for provider payments as provided in the
MCO Policy Reference Guide (Appendix A) and shall make copies available
to the Bureau upon request for audit. If supporting documentation is not
received, administrative payment to the MCO will be withheld until the
requested information is provided. Each review or audit will be based on
the information received as of the due date. Documentation not received
by due date will not be included.

8
10

(5) The MCO shall permit any authorized representative of the Bureau to
inspect, copy and audit such records, books, vouchers, invoices, and
medical ▇▇▇▇ payment information as is reasonably required to
substantiate the fees billed to or paid by the Bureau, upon prior written
notice, during Normal Business Hours, Monday through Friday 9:00 A.M
through 5:00 P.M. Eastern Time.

M. MCO CUSTOMER SERVICE COMMUNICATIONS.

(1) The MCO shall assign cases to appropriate staff no later than 5:00
P.M. Eastern Time the next Business Day after the MCO's FROI Receipt
Date. The MCO shall respond to all communications (e-mail, fax, phone,
mail) within a reasonable period of time.

(2) The MCO shall have one toll-free telephone number through which all
types of issues can be addressed as well as a toll-free fax telephone
number. Customer service telephone lines shall be staffed during Normal
Business Hours, Monday through Friday 9:00 A.M through 5:00 P.M. Eastern
Time.

(3) The MCO (or any vendor or subcontractor) shall use only fax machines
with date/time indicators (showing either A.M./P.M. or military time),
and shall leave the date/time indicators on at all times.

2. OBLIGATIONS OF MCO

A. GENERAL.

The MCO agrees to perform the services required by this Agreement in
accordance with all rules, regulations, guidelines, standards and
procedures of the Bureau and according to commercially reasonable
business practices. The MCO's Application to be certified for the HPP is
hereby incorporated into this Agreement by reference. The MCO hereby
acknowledges that it has provided the Bureau with a list of Bureau
certified providers who are enrolled in its provider Network. The MCO
agrees to review the treatment rendered by all providers and assist its
providers in any manner or means necessary to return the injured worker
to work.

B. RULES.

The MCO agrees to abide by all rules established for the HPP as set forth
in Rule 4123-6-01, et seq. of the Ohio Administrative Code (the "HPP
Rules"). The MCO hereby acknowledges that as part of the application
process to become certified as a Bureau managed care organization under
the HPP, it has provided the Bureau with the internal guidelines,
standards and procedures established for the medical management of
workers' compensation cases and that such procedures are in accordance
with all applicable Federal and Ohio laws.

C. CURRENT POLICIES.

The MCO agrees to abide by all Bureau policies and MCO reporting
requirements that are set forth in the MCO Policy Reference Guide
(Appendix A). The MCO is responsible for communication with the Bureau
Customer Service Teams and for the medical management of employers' cases
for employers who have selected them and for employers who have been
assigned to them.

9
11

D. FRAUD.

(1) The MCO agrees to identify and report any suspected fraudulent or
deceptive behavior committed by injured workers, employers, providers or
any other person or entity (as defined in Ohio Revised Code Sections
2913.01(A) and (B), Ohio Revised Code Section 2913.48 and the criteria
and requirements that are hereby incorporated by reference and attached
hereto as "Appendix C: Fraud/Special Investigations-MCO Fraud Reporting
and Referral Requirements," as may be modified during the term of this
Agreement) to the Bureau's Fraud/Special Investigations Department. The
MCO agrees to report these incidents and shall supply supporting
preliminary documentation to the Bureau's Fraud/Special Investigations
Department within ten (10) Business Days of discovery. The MCO and it
agents, subcontractors and assignees agree to provide the Bureau's
Fraud/Special Investigations Department with immediate and reasonable
investigative access to any and all records, data, electronic storage
media, personnel, and information relating to any subjects of an
investigation.

(2) The Bureau agrees to provide the MCO with fraud reporting criteria,
requirements and processes as defined in Appendix C. The Bureau and MCO
agree to jointly develop and provide supportive training to the MCO and
to the Bureau's Fraud/Special Investigations Department personnel in the
identification and detection of fraud or deceptive behavior or patterns.
The Bureau and the MCO agree to jointly develop and refine detection,
reporting and recovery processes as needed.

E. EMPLOYER AND CASE ASSIGNMENT.

The parties agree that the cases subject to this Agreement shall be all
cases of employers who select the MCO and all cases of employers assigned
to the MCO by the Bureau. In addition to managing the cases of employers
who select the MCO, the MCO agrees that the Bureau may assign other
employers to the MCO and the MCO shall service those employers in
accordance with the provisions of this Agreement. The MCO agrees that the
Bureau may revoke any assignment made in error.

F. CAPACITY.

(1) The MCO may limit assignment and employer selection by providing the
Bureau with written notice that it is at capacity and that it will accept
no further employer selections or assignments as of the date identified
in the notice. The request should fully disclose and detail any and all
reasons for the capacity limitation request and it should identify the
counties where capacity will be limited.

(2) In addition, the Bureau may declare the MCO ineligible to solicit or
accept selection of the MCO by an employer or assignment of an employer
to the MCO by the Bureau by placing the MCO at capacity. The Bureau may
place the MCO at capacity for the following reasons: (a) The MCO is
undergoing the decertification process pursuant to Rule 4123-6-17 of the
Ohio Revised Code; (b) The MCO has notified the Bureau, pursuant to
Section 3(C) of this Agreement, that it proposes to merge into or be
acquired by another MCO; (c) the MCO has notified the Bureau, pursuant to
Section 5(B) of this Agreement, that it intends to terminate this
Agreement without cause; (d) the MCO's Capacity ▇▇▇▇ Timing (as defined
in Appendix G of this Agreement) is greater than fourteen (14.00)
calendar days.

10
12

3. ADMINISTRATIVE REQUIREMENTS

A. MCO BANK ACCOUNTS.

The MCO's check stock shall bear the name, address, and telephone
number of the MCO for identification purposes. The MCO provider account
and the MCO administrative account shall be separate accounts with
account numbers provided to and kept current with the Bureau. The MCO
provider account shall be a dedicated account for the funds provided to
the MCO by the Bureau to pay providers and shall only be used to pay
providers. The MCO provider account shall not be an interest-bearing
account and shall not be a "sweep account" (an account where funds over
a certain amount are temporarily placed in an interest-bearing account
until called on for payment).

B. MCO ORGANIZATIONAL STRUCTURE.

The MCO shall provide to the Bureau a detailed description of the MCO's
current organizational structure, including all subsidiary, parent and
affiliate relationships. The MCO shall identify its principals, provide
the date of incorporation or formation of partnership or limited
liability company, and provide any fictitious names the managed care
organization is, or has been, doing business under. The MCO shall
provide the Bureau with the number of years it has operated as a
managed care organization in the State of Ohio and the number of
employees in each job description, identify other states in which the
MCO has or is currently conducting business in the last five (5) years,
and identify any banking relationships including all account
information with any financial institutions doing business in Ohio.
Information relating to the immediately preceding five years and
current data shall be provided to the Bureau as of the effective date
of this Agreement.

C. CHANGE IN MCO ORGANIZATION OR OPERATION.

Any Changes to the MCO organizational structure or business operations
must be approved in advance by the Bureau in writing. The MCO shall
submit any proposed Change to the Bureau at least ninety (90) days in
advance of the proposed effective date of the Change, unless the Bureau
approves in advance a shorter period. The MCO shall comply with the
Bureau's Merger and Acquisition Policy, which is attached hereto as
Appendix D. For purposes of this Agreement "Change" means a
reorganization, consolidation, merger or other combination with an
unaffiliated party, the acquisition of substantially all the assets of
the MCO by an unaffiliated party, any action causing the dissolution,
insolvency or voluntary bankruptcy of the MCO, a change in the right to
appoint, reelect or approve more than fifty percent (50%) of the
directors or members of the controlling body of the MCO, or the MCO's
becoming subject to a management agreement that covers all or
substantially all the business operations of the MCO or any
subcontractor or change in subcontractors, or any material change in
the business operations of the MCO, including but not limited to
changes in information technology or systems. Any unapproved Change to
the MCO organizational structure or business operations shall permit
the Bureau at its discretion to terminate this Agreement in accordance
with the provisions of Section 5B of this Agreement.

D. MCO RECORD KEEPING AND DOCUMENTATION REQUIREMENTS.

(1) The MCO shall ensure confidentiality of hard copy and electronic
files. MCOs shall retain records received from providers and
subcontractors that are utilized by the MCO to develop electronic
▇▇▇▇▇▇▇▇ to the Bureau. The MCO shall retain any records obtained from
the providers and subcontractors that are utilized by the MCO to
perform its medical management functions or to substantiate the
delivery, value, necessity and appropriateness of goods and services to
injured workers. MCOs shall retain records for the period of time and
in the format provided in the MCO Policy Reference Guide (Appendix A).
The MCO, upon request of the Bureau, shall

11
13

provide all requested records to another MCO in conjunction with the
reassignment of any employer.

(2) Any medical and claim information that is part of the Bureau's
claim file, including hard copies and electronic copies gathered by the
MCO in the course of providing services under the HPP, is the property
of the Bureau and such files shall be returned to the Bureau
immediately upon termination of this Agreement. All documents received
by the MCO shall be date stamped by the MCO on the document's Receipt
Date as defined in Appendix G of this Agreement. Any equipment
materials or supplies provided to the MCO by the Bureau shall be
returned to the Bureau upon request.

4. AMOUNT AND METHOD OF PAYMENT.

A. MCO PAYMENT METHODOLOGY.

(1) The parties agree to the payment calculations and the payment
schedules described in Appendix E of this Agreement. Reimbursement to
the MCO for the period from January 1, 1999 to March 31, 1999 shall be
as set forth in Appendix E of this Agreement.

(2) Starting April 1, 1999, reimbursement to the MCO shall be based on
a flat monthly administrative fee payment of one-twelfth (1/12) of four
percent (4%) of annual workers' compensation premium for employers
assigned to the MCO, to be paid in monthly installments as set forth in
Appendix E of this Agreement. The administrative fee shall be
calculated using the premium base set forth in Section 4B below and
shall be subject to the setoffs set forth in Section 4C below.

(3) Starting April 1, 1999, the MCO shall be eligible to earn an
additional quarterly incentive fee payment of up to one-fourth (1/4) of
three percent (3%) of annual workers' compensation premium for
employers assigned to the MCO, based on its performance on the Return
to Work Degree of Disability Management ("DoDM") measurement used under
this Agreement, to be paid in quarterly installments as set forth in
Appendix E of this Agreement. The incentive fee shall be calculated
using the premium base set forth in Section 4B below. A description of
the DoDM measurement approach is contained in Appendix E: MCO Payment
Methodology.

(4) In addition to the administrative and incentive fee payments set
forth above, the MCO shall have the opportunity to recoup expenditures
associated with upgrading its systems capabilities and transmission of
data to the Bureau as required under this Agreement. Reimbursement to
the MCO for these transmission and developmental acquisition costs
shall be calculated as set forth in Appendix E of this Agreement.

B. MCO PAYMENT PREMIUM BASE.

(1) From April 1, 1999 to December 31, 1999, the premium base used to
calculate the administrative and incentive fees due to the MCO under
this Agreement shall consist of (1) for private employers assigned to
the MCO, the premium associated with the employers' July 1, 1997 - June
30, 1998 rating year (as of December 31, 1998) and (2) for public
employers assigned to the MCO, the premium associated with the
employers' January 1, 1997 - December 31, 1997 rating year (as of
December 31, 1998).

(2) The premium base used to calculate the administrative and incentive
fees due to the MCO under this Agreement from April 1, 1999 to December
31, 1999 shall be adjusted monthly (starting January 1999) to reflect
changes in the employer assignment to the MCO, including the addition
of employers through auto-assignment and the loss of employers who are
granted self-insured status, as set forth in Appendix E of this
Agreement.

12
14

(3) The premium base used to calculate the administrative and incentive
fees due to the MCO under this Agreement during calendar year 2000
shall consist of the premium base used for calendar year 1999 (as
adjusted through December 31, 1999, in accordance with Sections 4B(1)
and 4B(2) of this Agreement) with the following additional adjustments:
(1) the MCO's December 31, 1999 premium base shall be increased by the
percentage difference in the Consumer Price Index - Urban (CPIU), All
Urban, Base Years 82-84, from July 1998 to July 1999; and (2) the
appropriate premium for those employers who were zero premium employers
during the 1999 premium year shall be added to the MCO's December 31,
1999 premium base.

(4) The premium base used to calculate the administrative and incentive
fees due to the MCO under this Agreement during calendar year 2000
shall be adjusted monthly to reflect changes in the employer assignment
to the MCO, including the addition of employers through auto-assignment
and the loss of employers who are granted self-insured status, as set
forth in Appendix E of this Agreement.

(5) The premium base used to calculate the administrative, performance
and incentive fees due to the MCO under this Agreement for the period
from January 1, 1999 to March 31, 1999 shall be as set forth in
Appendix E of this Agreement.

C. SETOFFS.

(1) The monthly administrative fee payment to the MCO shall be subject
to the following setoffs or deductions:

(a) FROI Timing - Defined as the average number of calendar
days between Date of Injury (DOI) and Bureau Filing Date for
all claims (with a DOI of March 1, 1997 or later) filed during
each reporting period (set forth in Appendix E of this
Agreement), excluding the five percent (5%) of claims with the
longest lag time between DOI and Bureau Filing Date. Starting
April 1, 1999, the Bureau shall deduct a percentage of the
MCO's monthly administrative fee payment as set forth in
Section 4C(2) of this Agreement if the MCO's FROI Timing for
the applicable reporting period (set forth in Appendix E of
this Agreement) was greater than twenty-one (21.00) calendar
days.

(b) ▇▇▇▇ Timing: MCO Receipt - Bureau Receipt - Defined as the
average lag time in calendar days from the MCO's Receipt Date
for a provider medical ▇▇▇▇ or the most recent date the claim
in which the ▇▇▇▇ was incurred was placed in an Allowed
status, whichever is later ("MCO Receipt") to the date the
MCO's outgoing provider ▇▇▇▇ 837 transmission is accepted by
the EDI system provider designated by the Bureau ("Bureau
Receipt"), calculated on the basis of all bills with a paid
amount greater than $0.00 received by the Bureau from the MCO
during each reporting period (set forth in Appendix E of this
Agreement). Starting April 1, 1999, the Bureau shall deduct a
percentage of the MCO's monthly administrative fee payment as
set forth in Section 4C(2) of this Agreement if the MCO's ▇▇▇▇
Timing: MCO Receipt - Bureau Receipt for the applicable
reporting period (set forth in Appendix E of this Agreement)
was greater than twenty-one (21.00) calendar days.

(c) Data Accuracy -- Starting January 1, 2000, the Bureau
shall deduct twelve and one-half percent (12.5%) of the MCO's
monthly administrative fee payment if the MCO's MCO-to-Bureau
148 and 837 EDI transaction data accuracy percentages for the
period being measured (as further set forth in Appendix E of
this Agreement) fall below the criteria set forth in Appendix
E of this Agreement.

13
15

(d) Misfiling of Death Claims - Starting January 1, 1999, if
the MCO submits a claim as a medical-only or lost-time claim
where the claim should have been submitted as a death claim
because the injured worker is deceased, the Bureau shall
deduct the lesser of two thousand dollars ($2,000.00) or one
percent (1%) of the MCO's monthly administrative fee payment
per instance.

(2) For the period from April 1, 1999 to December 31, 1999, the FROI
TIMING and ▇▇▇▇ TIMING: MCO RECEIPT - BUREAU RECEIPT setoffs shall each
be equal to twelve and one-half percent (12.5%) of the MCO's monthly
administrative fee payment in any given month. For the period from
January 1, 2000 to December 31, 2000, the FROI TIMING and ▇▇▇▇ TIMING:
MCO RECEIPT - BUREAU RECEIPT setoffs shall each be equal to six and
one-quarter percent (6.25%) of the MCO's monthly administrative fee
payment in any given month.

B. EXPENSES.

Except as otherwise provided in Section 4A(4) and Appendix E of this
Agreement, the payment of expenses associated with this Agreement is
the sole responsibility of the MCO. The Bureau shall not be required to
pay for or reimburse the MCO for any expenses incurred or paid by the
MCO in connection with the performance of services, including
publication, travel and staffing requirements, pursuant to this
Agreement.

5. TERM AND TERMINATION.

A. TERM.

This Agreement shall become effective January 1, 1999 (the "Effective
Date") and shall continue in force for a period of two years unless
earlier terminated in accordance with this Agreement. All terms and
conditions set forth in this Agreement shall go into effect on the
Effective Date unless otherwise stated.

B. TERMINATION.

(1) The MCO may terminate this Agreement without cause upon sixty (60)
days written notice to the Bureau. The Bureau may terminate this
Agreement for cause at any time upon (a) the insolvency of the MCO, (b)
any act of fraud or misrepresentation by the MCO of the amount or cost
of services or supplies rendered or provided to an injured worker, (c)
any act of fraud or misrepresentation by an MCO in reporting or
submitting data to the Bureau, including but not limited to data used
by the Bureau to calculate or determine the MCO's administrative,
performance, or incentive payments, (d) an unapproved Change in the
organizational structure of the MCO or a material Change in its
business operations, (e) decertification of the MCO or (f) substantial
failure to perform on the part of the MCO.

(2) Prior to terminating this contract for 5B(1)(f) substantial failure
to perform, the Bureau shall send written notice to the MCO containing
a statement of the reasons for the proposed termination of the
contract; a citation to the statutes, rules, or contract provisions
forming the basis for the termination of the contract; a statement
indicating that the MCO shall be provided a hearing, if requested
within thirty (30) days of the time of the mailing of the notice; and a
statement informing the MCO that if a hearing is not requested within
thirty (30) days, the Bureau shall terminate the MCO contract.

(3) If the MCO does not timely request a hearing, the Bureau may
terminate this contract for substantial failure to perform. If the MCO
timely requests a hearing, the Bureau shall

14
16

immediately set the date, time, and place for such hearing, and shall
notify the MCO of the hearing. The hearing shall be held at the Bureau
central office in Columbus.

(4) The Administrator may conduct the hearing personally or may
delegate the hearing to a designee, who shall be an attorney at law.
The designee may be from the Bureau law section or an attorney employed
by the Administrator especially for such purpose. Should the hearing be
conducted by a designee, the designee shall issue a report and
recommendation, a copy of which shall be mailed to all parties and
representatives, and which may be objected to in writing within ten
(10) days. The Administrator may approve, disapprove, or modify the
report and recommendation of the designee, but shall not take such
action until after the expiration of the period for objection to the
designee's report. The Administrator shall issue a decision in writing
to the MCO and any representative informing them of the Administrator's
decision as to the proposed termination. The Administrator's final
decision as to termination of this Agreement, whether a hearing was
conducted or not, shall not be appealable.

(5) In the event of termination for any reason, the Bureau shall
determine a transition plan for the transfer of services to another
managed care organization selected by employers or assigned by the
Bureau. In the event of termination for any reason the Bureau may
withhold further payment due to the MCO pursuant to this Agreement, or
otherwise, for the purpose of set-off until such time as any damages
due to the Bureau are determined.

C. DAMAGES.

The MCO acknowledges that the Bureau may suffer damages due to the
failure of the MCO to act in accordance with the terms and conditions
of this Agreement. The MCO agrees that if the Bureau does not give
prompt notice of such failure the Bureau has NOT WAIVED any of its
rights or remedies concerning the failure of performance by the MCO. In
the event that this Agreement is terminated for any reason the MCO
shall be liable for any damages and additional costs the Bureau incurs
in seeking replacement services.

D. FORCE MAJEURE

Neither the MCO nor the Bureau shall be liable to the other for any
delay or failure of performance of any provisions contained herein, to
the extent that such delay or failure is caused by any act of God, such
as earthquake; fire; storms; tornadoes; floods, or other severe weather
disturbances; explosions; civil disturbances; war; and other such
events or any other cause that could not be reasonably foreseen in the
exercise of ordinary care, and that is beyond the reasonable control of
the party affected, and that the party is unable to prevent.

E. DECERTIFICATION.

The Bureau retains the discretion to initiate decertification
proceedings against the MCO upon termination of this Agreement.

6. GENERAL AND PROFESSIONAL LIABILITY INSURANCE.

The MCO shall maintain general and professional liability insurance against
claims for bodily injury, personal injury, death or property damage arising from
the services performed by the MCO, its employees, agents, representatives, or
subcontractors, under this Agreement for the duration of this Agreement,
together with any renewals. Such insurance shall afford initial protection of
not less than three million dollars ($3,000,000.00) for each occurrence with
respect to bodily injury, personal injury or death and not less than three
million dollars ($3,000,000.00) for each occurrence with respect to property
damage.

15
17

7. AMENDMENT.

The parties may, by mutual agreement, amend, modify, supplement or rescind the
terms of this Agreement. The term "this Agreement" shall be deemed to include
any such future amendments, modifications, renewals, extensions, and
supplements. Any such amendment, modification, renewal, extension, supplement or
rescission shall not be effective unless expressed in writing and signed by the
parties hereto; provided, however, the MCO agrees to permit the Bureau to update
and substitute, from time to time, its policies, procedures and guidelines that
are referred to in this Agreement.

8. ENTIRE AGREEMENT.

It is mutually understood and agreed that this Agreement, with its Appendices,
and the MCO's Application, with any amendments, and the "MCO Application &
Requirements Training Manual" are incorporated by reference into this Agreement,
and together, represent the entire Agreement between the MCO and the Bureau. The
parties have entered into no agreements, express or implied, other than the
Agreement set forth in this writing. It is further agreed that no parole
representation of any amendment, modification, supplement or rescission of the
terms set forth herein shall be given any force or effect unless such amendment,
modification, supplement or rescission has been expressed in writing and signed
by the parties and meets any and all conditions precedent deemed applicable by
the Bureau.

9. ORDER OF PRIORITIES.

To the extent that the terms and provisions of the MCO's Application, with any
amendments, may be inconsistent with this writing, and cannot be harmonized
herewith, the terms and provisions of this Agreement shall control followed in
order of priority by the Application, with any amendments, then the "MCO
Application & Requirements Training Manual."

10. SEVERABILITY.

If for any reason any provision or part of this Agreement is declared void,
invalid, or unenforceable, the validity of the rest of this Agreement shall not
be affected and the Agreement shall remain in full force and effect with the
void, invalid, or unenforceable provision(s) eliminated.

11. WAIVER.

No waiver of any provision of this Agreement shall be valid unless it is in
writing and signed by the party against whom the waiver is sought to be
enforced. Failure of a party to insist upon strict performance of any provision
of this Agreement in any one or more instances shall not be construed as a
waiver or relinquishment of the right to insist upon strict compliance with such
provision in the future.

12. ASSIGNABILITY AND SUBCONTRACTING.

(A) MCOs are permitted to subcontract services and the MCO is accountable for
the actions and performance of any subcontractors engaged by the MCO. The MCO
shall not assign, sell, or subcontract any rights, duties or obligations
acquired pursuant to this Agreement without prior written approval by the Bureau
as provided under Section 3C and/or Appendix D of this Agreement. Such prior
written approval by the Bureau shall not be construed to modify or abrogate the
MCO's responsibility and liability pursuant to this Agreement.

(B) In the event the MCO assigns or subcontracts its duties or obligations under
this Agreement, the MCO shall develop with the Bureau a transition plan for the
transfer of services to a new MCO selected

16
18

by employers or assigned by the Bureau as provided under Appendix D of this
Agreement. The MCO shall bear any expenses related to any transitioning or
transfer of services by assignment or otherwise.

13. NON-DISCRIMINATION.

The hiring of employees for the performance of work under this Agreement shall
be done in accordance with Ohio Revised Code Section 125.111 and the Governor's
amended Executive Order 84-9 of November 30, 1984. The contract shall not
discriminate against or intimidate any person hired for the performance of the
work by reason of race, color, religion, national origin, ancestry, sex,
handicap, or disability as that term is defined by the Americans with
Disabilities Act (ADA).

14. INDEPENDENT MCO RELATIONSHIP.

It is mutually understood and agreed that the MCO is at all times acting as an
independent MCO in performing services under this Agreement and shall be
responsible for compliance with all laws, rules, and regulations involving, but
not limited to, employment of labor, hours of labor, health and safety, working
conditions and payment of wages. The persons provided by the MCO shall be solely
the MCO's employees and subcontractors of the MCO and shall not be considered
employees of the Bureau. The MCO shall be responsible for payment of federal,
state, and municipal taxes and costs such as Social Security, unemployment,
workers' compensation, disability insurance, and federal and state withholding
with respect to its employees.

15. CONFIDENTIALITY.

The MCO, its officers, agents, employees, representatives, subcontractors and
assigns shall keep confidential all information, in whatever form obtained, in
the performance of this Agreement, including but not limited to knowledge of the
contents of confidential records of the Bureau. Any information subject to the
confidentiality laws of this state shall not be released to any person other
than authorized representatives of the Bureau, unless the Bureau directs its
release.

16. HOLD HARMLESS AND INDEMNIFICATION.

The MCO shall hold the Bureau harmless and indemnify the Bureau from and against
any and all claims, demands, losses, and causes of action asserted against or
incurred by the Bureau that result from or arise out of the work performed by
the MCO, its agents, employees, representatives, and subcontractors, under this
Agreement, or any errors, omissions, negligent conduct or intentional acts of
the MCO, its agents, employees, representatives, and subcontractors.

17. LIMITATION OF LIABILITY.

The Bureau's liability for damages for services rendered pursuant to this
Agreement, whether in contract or in tort, shall not exceed the total amount of
compensation payable to the MCO pursuant to this Agreement, or the amount of
direct damages incurred by the MCO, whichever is less. The MCO's sole and
exclusive remedies for the Bureau's failure to perform shall be subject to the
jurisdiction of the Ohio Court of Claims. In no event shall the Bureau be liable
for any consequential, incidental, or punitive losses, damages, expenses,
including the loss of profits, even if the Bureau knew or should have known of
the possibility of such damages.

18. APPLICABLE STATE LAW.

The terms and conditions contained herein shall be construed and interpreted in
accordance with the laws of the State of Ohio. Any and all disputes arising from
this Agreement shall be governed by the laws of

17
19

the State of Ohio, and the MCO agrees to submit exclusively to the jurisdiction
of the Ohio Court of Claims in any and all disputes arising from this Agreement.

19. COMPLIANCE WITH THE LAWS OF OHIO.

The MCO agrees and covenants that it at this time is not and for the duration of
this Agreement will not knowingly violate the laws of Ohio specifically
including, but not limited to, the workers' compensation laws of Ohio, the
corporate laws of Ohio, and all rules and regulations promulgated under those
laws.

20. CONFLICTS OF INTEREST.

(A) The MCO affirms that it presently has no interest and shall not acquire any
interest, direct or indirect, which would conflict, in any manner or degree,
with the performance of services which are required to be performed under any
resulting Agreement. In addition, the MCO affirms that a person who is or may
become an agent of MCO not having such interest upon the execution of this
Agreement shall likewise advise the Bureau in the event it acquires such
interest during the term of this Agreement.

(B) Furthermore, any such person who is or may become an agent of the MCO who
acquires an incompatible or conflicting personal interest, prior to, on or after
the effective date of this Agreement, or who involuntarily acquires any such
incompatible or conflicting personal interest, shall immediately disclose his or
her interest to the Bureau in writing. Thereafter, such person shall not
participate in any action affecting the work under this Agreement, unless the
Bureau determines that, in light of the personal interest disclosed, such
person's participation in any such action would not be contrary to the public
interest.

(C) The MCO and any affiliated Third Party Administrators ("TPAs"), if
applicable, shall have complete separation of functions, offices, systems, and
staff. The MCO shall not use or contract with any provider who has an ownership
interest in, or who is the medical director for, the MCO to provide Independent
Medical Examination ("IME") services for injured workers assigned to the MCO.
The MCO and any subcontractor(s) must be separate legal entities and may not
have the same Bureau provider number or tax identification number. The MCO shall
not be a Bureau certified health care provider.

21. HEADINGS.

The headings in this Agreement and its appendices are for convenience only and
are not intended to be part of, or to affect the interpretation of, the terms of
this Agreement.

22. CERTIFICATION.

The MCO is certified to provide services under this Agreement only in the
counties listed in Appendix F of this Agreement, as may be modified during the
term of this Agreement.

23. OHIO ELECTIONS LAW.

The MCO affirms that, as applicable to the MCO, no party listed in Division (I)
or (J) of Section 3517.13 of the Revised Code, or spouse of such party, has
made, as an individual, within the two previous calendar years, one or more
political contributions totaling in excess of $1,000.00 to the Governor of Ohio
or to his campaign committees.

24. DEFINITIONS.

Unless otherwise defined in the text of this Agreement, the capitalized terms
and capitalized abbreviations as used in this Agreement shall have the same
meaning as defined in Rule 4123-6-01 of the Ohio Administrative Code. A Glossary
of the defined terms used in this Agreement is attached as Appendix G.

18
20

IN WITNESS WHEREOF, the parties hereunto affix their signatures this 10th day of
November, 1999.

COMMUNITY INSURANCE COMPANY STATE OF OHIO
d/b/a Anthem Blue Cross And Blue Shield BUREAU OF WORKERS' COMPENSATION
TAX ID #____________________________

------------------------------------ --------------------------------

Name: Name: ▇▇▇▇▇ ▇▇▇▇▇▇
------------------------------- ------------

Title: Title: Administrator
------------------------------- -------------

19
21