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          option.  IHC Care Plus enrollees choosing IHC Care physicians               
          received higher “preferred” levels of service, whereas IHC Care             
          enrollees choosing a non-IHC Care physician received lower                  
          “standard” benefits.                                                        
               Petitioner compensated IHC Care Plus PCPs and SCPs on a                
          discounted fee-for-service basis.  During 1999, petitioner                  
          applied discounts of 26 percent and 38 percent to estimated                 
          market rate fees for PCPs and SCPs, respectively.                           
                    5.  IHC Direct Care                                               
               Petitioner’s IHC Direct Care plan offered enrollees access             
          to the IHC Care panel of physicians.  However, enrollees in the             
          IHC Direct Care plan were not required to select a PCP or rely on           
          a PCP for a referral to a SCP.                                              
               Petitioner compensated IHC Direct Care PCPs and SCPs on a              
          discounted fee-for-service basis.  During 1999, petitioner                  
          applied discounts of 26 percent and 38 percent to estimated                 
          market rate fees for PCPs and SCPs, respectively.                           
                    6.  IHC Direct Care Plus                                          
               Petitioner’s IHC Direct Care Plus plan offered enrollees               
          access to the IHC Care panel of physicians along with a                     
          point-of-service option.  IHC Direct Care Plus enrollees choosing           
          IHC Direct Care physicians received higher “preferred” levels of            
          service, whereas IHC Direct Care Plus enrollees choosing a non-             
          IHC Direct Care physician received lower “standard” benefits.               
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