EXHIBIT 10.3

                               MEDSERV IPA, INC.
                     PHYSICIANS CARE FOR CONNECTICUT, INC.
 
                       PRIMARY CARE PHYSICIAN ATTACHMENT
 
    I, ____________________, with a principal business address at 
_____________  __________________________, acknowledge that I am a 
participating provider in MedServ IPA, Inc. ("MedServ IPA"), and I agree as 
follows:
 
        1.  I agree to be a participating provider in all Physicians Care for
    Connecticut, Inc. ("Physicians Care") products for which MedServ IPA and its
    participating physicians and Physicians Care share financial risk under the
    terms of the [NETWORK/INSURER AGREEMENT] dated as of [DATE]. I agree to be
    bound by all terms and conditions of such Agreement.
 
        2.  Recognizing that I must elect to participate in any Physicians Care
    product for which I will be paid on a fee-for-service basis without
    financial risk (the "Non-Risk Products"), the following constitutes my
    election:
 
                _____ I will participate in Non-Risk Products.
                _____ I will not participate in Non-Risk Products.
 
        3.  I agree:
 
       (i)  to assume responsibility for the total management of the health 
            care of any Enrollee who has designated me as their Primary Care 
            Physician under any Physicians Care product requiring selection 
            of a Care Manager
 
       (ii) to provide Enrollees regular preventative health examinations and
            services (E.G., immunizations, hypertension screening) as 
            recommended by MedServ IPA and Physicians Care; and
 
      (iii) to offer Enrollees such health education as deemed appropriate
            pursuant to MedServ IPA and Physicians Care guidelines.
 
        4.  I shall maintain an open panel of patients; provided, however, that
    my practice may be closed provided that it is closed to enrollees of all
    managed care payors with whom I contact and for all products offered by such
    payors. In the event that I do close my panel, I may accept immediate family
    members of existing patients or patients with whom I have had a pre-existing
    relationship in the immediately preceding thirty-six (36) months.
 
    IN WITNESS WHEREOF, the undersigned have set their hands and seals this
___day of _________, 1997.
 
PHYSICIANS CARE FOR
CONNECTICUT, INC.
 

                                             
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By:                                             Physician

 


                               MEDSERV IPA, INC.
                     PHYSICIANS CARE FOR CONNECTICUT, INC.
 
                         SPECIALTY PHYSICIAN ATTACHMENT
 
    I, ______________, with a principal business address at ____________________
 __________________________, acknowledge that I am a participating provider 
in MedServ IPA, Inc. ("MedServ IPA"), and I agree as follows:
 
        1.  I agree to be a participating provider in all Physicians Care for
    Connecticut, Inc. ("Physicians Care") products for which MedServ IPA and 
    its  participating physicians share financial risk pursuant to the terms of 
    the [NETWORK/INSURER AGREEMENT] dated as of [DATE]. I agree to be bound by 
    all terms and conditions of such Agreement.
 
        2.  Recognizing that I must elect to participate in any Physicians Care
    product for which I will be paid on a fee-for-service basis without
    financial risk (the "Non-Risk Products"), the following constitutes my
    election:
 
                _____ I will participate in Non-Risk Products.
                _____ I will not participate in Non-Risk Products.
 
        3.  I shall maintain an open panel of patients; provided, however, that
    my practice may be closed provided that it is closed to enrollees of all
    managed care payors with whom I contact and for all products offered by such
    payors. Notwithstanding the foregoing, in the event that I do close my
    panel, I may accept immediate family members of existing patients or
    patients with whom I have had a pre-existing relationship in the immediately
    preceding thirty-six (36) months.
 
    IN WITNESS WHEREOF, the undersigned have set their hands and seals this
___day of _________, 1997.
 
PHYSICIANS CARE FOR
CONNECTICUT, INC.
 

                                             
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By:                                             Physician