CARE CHOICES HMO MAINTAINS B+ RATING FROM A.M. BEST

Rating Outlook is Stable

FARMINGTON HILLS, Mich., July 8, 2005— A.M. Best Co. has again assigned a financial strength rating of B+ (Very Good) to Care Choices HMO (Farmington Hills, MI). The rating outlook continues to be stable.

According to A.M. Best Co., “The rating of Care Choices HMO reflects the support of its parent, Trinity Health. Other positive rating factors include Care Choices positive earnings, adequate stand-alone balance sheet strength, and strong commitment to high quality of care outcomes for its members.”

In addition, “Care Choices continues to focus on profitable customer segments and geographic markets that leverage its affiliation with Trinity Health,” the rating company reported. They added, “As a result, the health plan continues to generate earnings and maintain adequate, stand-alone balance sheet strength for its rating. Furthermore, Care Choices demonstrated commitment to quality health care outcomes for its members is a strategic differentiator from its competition and a strong value proposition for its subscribers.”

A.M. Best Co., established in 1899, is the world’s oldest and most authoritative insurance rating and information source. For more information, visit A.M. Best’s website at www.ambest.com.

Care Choices HMO is a nonprofit health care organization and a subsidiary of Trinity Health, one of the nation’s leading providers of health care services. Since 1986, Care Choices has been providing quality health care to its thousands of members throughout Michigan. Care Choices offers a broad, fully integrated network of physicians, hospitals and other health care professionals all sharing a strong commitment to improving the health status of the communities it serves by delivering effective and affordable health care. Care Choices HMO maintains the highest rating available of Excellent by the National Committee for Quality Assurance (NCQA).