MEDSERV IPA, INC.
                        PARTICIPATION AGREEMENT FOR PHYSICIANS



    This AGREEMENT (the "Agreement") is made and entered into this ____ day 
of ______________, 1997, by and between MEDSERV IPA, INC. ("IPA"), and ______
____________________________________________ M.D. having a principal place of 
business at ________________________________________________________________
("Physician").

    WHEREAS, IPA intends to enter into agreements with third party payors 
including insurers, self-insured employers, health maintenance organizations, 
and other managed care organizations (collectively, "Plan(s)") for the 
provision of primary care and specialty medical and surgical services to 
Members; and

    WHEREAS, IPA and Physician desire to enter into an agreement whereby 
Physician agrees to provide Covered Services to Members of such Plans.

    NOW, THEREFORE, in consideration of the mutual covenants and promises 
contained herein, the parties agree as follows:

    1.   DEFINED TERMS.

    Terms used herein which are not otherwise defined in context and the 
initial letters of which are capitalized shall have the following 
definitions: 

         a.   "Admitting Physician" means a physician who, in the normal 
course and scope of his medical practice, admits patients for hospital care 
on either an inpatient or treats patients within a hospital on an outpatient 
basis. 

         b.   "Co-payment" means those charges for professional services 
which shall be collected directly by Physician from Member as payment in 
addition to payments by a Plan, in accordance with the Member's Subscriber 
Agreement.

         c.   "Covered Services" means those Medically Necessary health care 
services and supplies which a Member is entitled to receive under a Plan's 
benefit program and which are described and defined in the Member's 
Subscriber Agreement and in the Plan's provider manual.

         d.   "Dependent" shall have the meaning assigned to it in the 
Member's Subscriber Agreement.



         e.   "Emergency Services" means those health care services provided 
to a Member in the event of the sudden onset of a symptom, illness or injury 
requiring immediate medical or surgical care to prevent serious impairment of 
health, or where taking the time to call his or her Primary Care Physician 
might place the Member's life in danger.  Heart attacks, strokes, poisoning, 
loss of consciousness, and convulsions are examples of emergencies.

         f.   "Medical Director" means a Participating Physician who is 
authorized by IPA to be responsible for administering IPA medical affairs.  
The Medical Director shall also serve as IPA's liaison to Plans.

         g.   "Medically Necessary" means medical treatment required by a 
Member as determined in accordance with accepted medical and surgical 
practices and standards prevailing at the time of treatment and in conformity 
with the professional and technical standards adopted by the Quality Care 
Committee.

         h.   "Member" means a person who is enrolled in a Plan, including 
enrolled Dependents, has selected a IPA Physician as their Primary Care 
Physician, and is entitled to receive Covered Services.  At such time as a 
Member receives Covered Services from a Participating Physician, such Member 
shall be deemed a patient of IPA.
          i.   "Participating Physician" means a physician duly licensed to 
practice medicine by the applicable state authority and who has entered into 
an agreement with IPA to provide Covered Services to Members.

         j.   "Participating Provider" means a participating hospital, a 
physician, or any other health care practitioner or entity that has a direct 
or indirect contractual arrangement with IPA and/or a Plan to provide Covered 
Services to Members.

         k.   "Plan" means a benefit program of a third party payor which is 
an insurer, self-insured employer, health maintenance organization or other 
managed care organization and which has entered into an agreement pursuant to 
which IPA is to provide Covered Services.

         l.   "Plan Schedule" means a document attached to this Agreement 
relating to a particular Plan which is entitled "Plan Schedule" and which 
provides an executive summary of the services to be rendered, compensation to 
be paid, requirements to be met and additional terms and conditions of this 
Agreement applicable to the particular Plan.  In any instance where this 
Agreement and a Plan Schedule are inconsistent in a particular circumstance, 
the Plan Schedule shall govern.  This Agreement may have more than one Plan 
Schedule and additional Plan Schedules may be added from time to time in 
accordance with the terms of this Agreement.

         m.   "Primary Care" means the field of general medicine, internal 
medicine, family practice or pediatrics.

                                          -2-


         n.   "Primary Care Physician" means a physician licensed to practice 
medicine who has executed the attached Primary Care Physician Participation 
Schedule to provide Primary Care Covered Services and who has agreed to 
provide Primary Care physician services to Members.

         o.   "Quality Management" means the process, plans and procedures by 
which IPA or a Plan assures that the quality of care provided to Members 
meets accepted medical standards.  It may involve the establishment of a 
Quality Care Committee to, among other things, monitor medical services 
provided to Members and take action in any instance in which the competence 
or professional conduct of a Participating Provider may be detrimental to 
patient safety or to the delivery of patient care.

         p.   "Referral" means the process by which a Participating Physician 
directs a Member to seek and obtain Covered Services from a health 
professional, a hospital or any other provider of Covered Services.

         q.   "Specialist Care" means Covered Services rendered by a 
Participating Physician who is not a Primary Care Physician.

         r.   "Specialist Care Physician" means a physician licensed to 
practice medicine who has executed the attached Participating Specialist Care 
Attachment to provide Specialist Care Covered Services and who has agreed to 
provide Specialist Care physician services to Members.

         s.   "Subscriber" means the person who signs the application for 
membership in the Plan and in whose name the subscription premium is paid.  A 
Subscriber signs for himself or herself and any Dependents.

         t.   "Subscriber Agreement" means the individual or family contract 
with a Plan or any of its affiliates, including all amendments thereto, under 
which a Subscriber and his or her Dependents are entitled to receive Covered 
Services.

         u.   "Utilization Management" means the process, plans and 
procedures by which IPA or Plan assures that Participating Providers are 
efficient and follow economically sound practices in providing Covered 
Services.  It may involve the establishment of a Quality Care Committee to 
set economic standards and procedures and to monitor and make appropriate 
corrections which relate to the business, efficiency and economic aspects of 
providing Covered Services.

    2.   SERVICES TO BE PERFORMED BY THE PHYSICIAN.

         a.   Services.  Physician, within Physician's licensure and 
expertise, agrees to provide or arrange to provide Covered Services, as 
described in relevant Plan Schedule(s)

                                          -3-




incorporated herein by reference, to Members.  Physician shall provide 
Covered Services with the same standard of care, skill and diligence used by 
similar physicians in the community in which such services are rendered.

         b.   Covering Physicians.  Physicians agrees to provide or arrange 
to provide coverage for all Members under the Physician's care twenty-four 
(24) hours per day, each day of the year.  If Physician is, for any reason, 
from time to time unable to provide Covered Services when and as needed, 
Physician may secure the services of a qualified physician (the "Covering 
Physician") who shall render such Covered Services otherwise required of 
Physician.  Covering Physician must be approved by IPA to provide Covered 
Services to Members and Physician shall notify IPA in advance of Covering 
Physician providing any services hereunder by giving his or her name, 
qualifications, address and telephone number and such other pertinent 
information as shall be required by IPA.  Physician shall be solely 
responsible for securing services of such Covering Physician.  It will be 
Physician's responsibility to ensure that the Covering Physician (i) will not 
seek reimbursement from the Plan for Covered Services under the terms of this 
Agreement unless the payment arrangement with the Plan permits the Covering 
Physician to be paid directly by the Plan for such services, (ii) will abide 
by IPA's and Plan's policies and procedures including Utilization Management 
and Quality Management, and (iii) agrees to be bound by all other provisions 
of this Agreement relating to the delivery of Covered Services. Physician 
agrees to accept responsibility for costs associated with any deviations of 
Covering Physician from above requirements.

         c.   Ancillary Services.  Physician agrees to refer all ancillary 
services to Participating Providers, to the extent available, in accordance 
with IPA Utilization Management procedures. 

         d.   Hospital Admission Authorization.  Physician shall admit 
Members to a Participating Hospital in accordance with Utilization Management 
procedures described in the Plan Schedules and/or in accordance with the 
policies adopted by the IPA from time to time.  Physician may not admit any 
Member to any hospital on a non-emergency basis without pre-certification for 
admission as prescribed in the Plan Schedules or in the IPA's policies.

         e.   Physician Referral.   Primary Care Physicians shall not refer 
Members except in accordance with Utilization Management procedures of the 
Plan and/or policies adopted by the IPA from time to time, and shall (i) 
refer a Member to another Participating Physician or Provider for 
non-emergency Covered Services, or (ii) self refer for other than primary 
care services, only upon compliance with the Referral Management Program as 
prescribed by the Plan or IPA.  Specialist Physicians shall provide non 
emergency Covered Services (including diagnostic services) to a Member upon 
referral, by the Member's Primary Care Physician unless such referral 
authorization is not required and, if applicable, upon receipt of 
authorization from IPA, except in case of emergency.  Specialist Physicians 
shall only refer a Member to another Participating Physician or other 
Participating Provider for non-emergency Covered Services upon compliance 
with the Referral Management Program.  Failure of

                                          -4-




Physician to obtain such prior authorizations when applicable shall 
constitute a material breach of this Agreement which shall entitle IPA, at 
its option, to terminate this Agreement under Paragraph 8(a) below.

         f.   Data Requirements.  Physician agrees to provide Plan with any 
reasonably requested billing, claims or medical record information which is 
necessary for the Plan to conduct utilization review and quality management 
activities.  The IPA shall inform Physician of the type and format of the 
required data and the time-frames for submission of such data.   The IPA 
represents that it has been appointed as the Plan's agent for purposes of 
conducting utilization management and related activities.  Physician agrees 
to comply with any such request for information from the IPA in a timely 
manner.   

    3.   COMPENSATION.

         a.   Compensation.  Physician shall be paid compensation for Covered 
Services provided to Members pursuant to (i) the rates, fees or capitation 
payments set forth in the Plan Schedules or (ii) the rates and/or capitation 
payments adopted by the IPA, as may be modified or adjusted from time to time 
by the IPA, and applicable to the service and class of provider.  The IPA 
shall from time to time distribute information setting forth services, rates 
of payment, co-payments, billing information and other arrangements pertinent 
to Physician's compensation with respect to services to Members.

         b.   Charges to Members.  Physician will look only to Plan for 
compensation for Covered Services, except that Physician may seek 
compensation from or make surcharges to a Member for i) services other than 
Covered Services, or ii) co-payments or deductibles identified in the 
applicable Plan Schedules.

         c.   Physician Responsibility.  Physician shall be responsible to 
collect for Physician's own account all co-payments and deductibles 
applicable to Covered Services rendered to Members.  Services rendered to 
Members which are not Covered Services shall be solely the responsibility of 
the Member.

         d.   Plan Schedules.  Plan Schedules in respect of Plans for which 
contractual arrangements with IPA exist as of the date of the Agreement are 
attached to and are a part of this Agreement.  Plan Schedules respecting 
Plans with which contractual arrangements are made in the future shall become 
a part of this Agreement in accordance with the provisions of Paragraph 8.e. 
below.  If any Plan Schedule which is a part of this Agreement is in conflict 
with any provision of this Agreement, such Plan Schedule shall govern the 
rights of the parties with respect to the matter in conflict.

         e.   Claims.  Physician shall submit claims to the Plan, for all 
Covered Services on the appropriate claim forms as soon as possible but in no 
event later than sixty (60) days from date of service; provided, however, 
that Plan may waive this requirement.  Physician agrees to

                                          -5-



complete such claims information, including appropriate coding and completion 
of HCFA-1500 or similar claims forms, in connection with services rendered 
pursuant to this Agreement.  All claim payments will be considered final 
unless adjustments are requested in writing by Physician within the time 
specified by the applicable Plan.

         f.   COB Obligations of Physician.  Physician agrees to cooperate 
with IPA and the applicable Plan for proper identification of claims subject 
to Coordination of Benefits ("COB") or subrogation, and to bill and collect 
from other payors such charges for which the other payor is responsible.  
When Plan is determined to be secondary to any other payor including 
Medicare, shall pay Physician no greater amount than the difference between 
the amount received by Physician from the primary payor and the amount owing 
under the applicable Plan Schedule.

         g.   Member Non-Recourse.  In accordance with Section 38a-193 (c) of 
the Connecticut General Statutes, Physician agrees that in no event, 
including but not limited to, non-payment by Plan, Plan's insolvency or 
breach of this Agreement, will Physician bill, charge, collect a deposit 
from, seek compensation, remuneration or reimbursement from or have any 
recourse against a Member or persons (other than the Plan)  acting on the 
Member's behalf for services provided under this Agreement.   Physician 
agrees that in the event of the Plan's insolvency or other cessation of 
operations, to continue to provide services to Members through the period for 
which premiums have been paid and until care has been appropriately 
transferred to another physician.   The Physician agrees that the provisions 
of this Section shall survive the termination of this Agreement regardless of 
the reason for termination, including the Plan's insolvency, and shall be 
construed to be for the benefit of Members.

    4.   REPRESENTATIONS

         a.   Representations by IPA.  IPA represents and warrants that it is 
a Connecticut corporation.  IPA makes no representation concerning the number 
of Members it can or will refer to Physician under this Agreement. 

         b.   Representations by Physician.  Physician represents and 
warrants:


           (i)     that Physician is a physician, duly licensed to practice 
    medicine in the State of Connecticut without restriction or sanction;

          (ii)     that if Physician is an Admitting Physician, Physician 
    will remain a  member in good standing of the medical staff of a 
    Participating Hospital, with privileges that are appropriate to allow 
    admission of patients by Physician;

         (iii)     that Physician maintains, and agrees to continue to 
    maintain, in effect, at Physician's sole cost and expense, throughout the 
    entire term of this Agreement, a policy of professional malpractice 
    liability insurance with a licensed insurance company

                                          -6-




    permitted to do business in the State of Connecticut to cover any loss, 
    liability or damage alleged to have been committed by Physician, or 
    Physician's professional agents, servants or employees.  Where 
    malpractice coverage is maintained on a claims-made basis, appropriate 
    tail coverage insuring Physician against any claims relating to the 
    period that the Physician provides services hereunder.  The limits of 
    liability provided by such insurance policy shall be at least as great as 
    established by the Board of the IPA from time to time and as required by 
    the applicable Plan; and 

          (iv)     that Physician provides and agrees to continue to provide, 
    at Physician's sole cost and expense, throughout the entire term of this 
    Agreement, a policy or policies of insurance covering Physician's 
    principal place of business insuring Physician against any claim of loss, 
    liability or damage committed or arising out of the alleged condition of 
    said premises, or the furniture, fixtures, appliances or equipment 
    located therein, with limits at least as great as established by the 
    Board of the IPA from time to time and as required by the applicable Plan.

     5.   OBLIGATIONS OF PHYSICIAN

         a.   Hours.  Physician agrees to be available to provide Covered 
Services or to provide coverage for said services twenty-four (24) hours per 
day, seven (7) days per week, three hundred sixty-five (365) days per year.

         b.   Proof of Insurance and Notice of Adverse Claims.  Physician 
shall provide IPA with a minimum of thirty (30) days prior written notice in 
the event any of the insurance policies set forth in Paragraph 4 are 
canceled, amended or not renewed.  Upon request, Physician shall furnish to 
IPA written evidence that the policies of insurance required under Paragraph 
4 are in full force and effect. Physician agrees to provide written 
notification to IPA in the event of any legal action arising out of services 
provided to Members covered by IPA contracts with Plans within ten (10) 
working days of any notice of such legal action. 

         c.   Medical Records.  Physician agrees to maintain records and to 
provide information regarding services rendered to patients subject to this 
Agreement to IPA, to applicable Plans, and to applicable state and federal 
regulatory agencies, as may be reasonably required.  Such obligations shall 
not be terminated upon termination of this Agreement.  Physician agrees to 
permit Plan's or IPA's authorized representatives at all reasonable times to 
have access upon reasonable request to books, records and other papers 
relating to Covered Services rendered by Physician, and access to the cost 
thereof and to the amounts of any payments received from Members or from 
others on such Member's behalf.  Physician agrees to retain such books and 
records for a term of at least seven (7) years from and after the termination 
of this Agreement.  Physician further agrees to permit access to and 
inspection, to the extent required by law, by IPA, Plans, the Connecticut 
Secretary of State, the Connecticut Commissioner of Public Health, The United 
States Department of Health and Human Services, and the Comptroller General 
of the United States, at all reasonable times and upon demand, of all 

                                          -7-




of those facilities, books and records maintained or utilized by Physician in 
the performance of Covered Services pursuant to this Agreement.  

         d.   Hospital Privileges.  If Physician is an Admitting Physician, 
during the entire term of this Agreement, Physician shall remain a member in 
good standing of the medical staff of a [Participating Hospital], with 
privileges that are appropriate to allow admission to a Participating 
Hospital of patients by Physician.

         e.   Continuing Education.   Physician shall attend and participate 
in approved continuing education courses and shall attend, at the reasonable 
request of the IPA, specialized training sessions and managed care programs 
presented by Plan and/or IPA.

         f.   Compliance with IPA Rules.  Physician agrees to be bound by the 
rules, regulations and policies of IPA, as developed and adopted from time to 
time by the IPA, and Physician recognizes that such provisions may be amended 
from time to time. Physician agrees to cooperate with any administrative 
procedures which may be adopted by IPA regarding the performance of Covered 
Services pursuant to this Agreement.

         g.   Compliance with IPA Dispute Resolution Procedures.  Physician 
agrees to be bound by the IPA's Dispute Resolutions Policies and Procedures, 
as in effect from time to time.

         h.   Physician Roster.  Physician agrees that IPA and each Plan 
which contracts with IPA may use Physician's name, address, telephone number 
and specialty in the IPA or Plan directory of Participating Providers. 

         i.   Cooperation with Plan Medical Directors.  Physician understands 
that Plans will place certain obligations upon IPA regarding the quality of 
care received by Members and that in certain instances will have the right to 
review the quality of care administered to Members.  Physician agrees to 
cooperate with Plan or IPA Medical Directors, as applicable,  in the Medical 
Directors' review of the quality of care administered to Members, to 
participate in IPA's Quality Care Committee and Utilization Management 
subcommittees and to comply with the policies adopted by the IPA and such 
committees from time to time.

         j.   Binding Agreement.  Physician agrees to be bound by all of the 
terms and conditions, applicable to Physician, of each and every agreement 
between IPA and any Plan with respect to which Physician has agreed to 
participate under this Agreement; provided, however, that in any instance in 
which there is a conflict between any Plan agreement and either this 
Agreement or the applicable schedule to this Agreement, the Plan agreement  
shall prevail.  

         k.   Closure of Practice.  Physician may close his/her practice to 
new patients upon thirty (30) days prior notice to IPA, provided that the 
practice shall be closed to all new patients except family members of 
existing patients.

                                     -8-



         l.   Compliance with Law and Ethical Standards.  Physician shall at 
all times, during the term of this Agreement comply with all applicable 
federal, state or municipal statues or ordinances, all applicable rules and 
regulations of the Board of Registration in Medicine and the ethical 
standards of the American Medical Association.

         m.   Nondiscrimination.  Physician agrees not to differentiate or 
discriminate in its provision of Covered Services to Members because of race, 
color, national origin, ancestry, religion, sex, marital status, sexual 
orientation or age.

    6.   MEDICAL RECORDS.  

    With respect to each Member receiving Covered Services hereunder, 
Physician shall maintain medical records in such form, containing such 
information, and preserved for such time period(s), and shall keep such 
records confidential, all as are required by state and federal law.  To the 
extent permitted by law, in accordance with procedures required by law and 
upon receipt of reasonable notice from IPA or Plan, Physician shall permit 
IPA or Plan to inspect and make copies of said records.

    7.   TERM OF AGREEMENT.  

    This Agreement will become effective ________________, 199__ and remain 
in effect through _____________________, 199__, unless sooner terminated 
pursuant to the terms of this Agreement.  This Agreement will automatically 
renew for successive periods of twelve (12) months each on the same terms and 
conditions contained herein, unless sooner terminated pursuant to the terms 
of this Agreement.

    8.   TERMINATION OF THE AGREEMENT.

         a.   Termination With Cause.  This Agreement may be terminated with 
cause by either party upon sixty (60) days prior written notice to the other 
party if the other party violates or fails to comply with any of the material 
requirements of this Agreement, or if any of the representations made in 
Paragraph 4 by the other party are not or cease to be true; provided, 
however, that the breaching party shall be given an opportunity to cure such 
breach during the sixty (60) day notice period.  If the breach is cured 
during such notice period, then this Agreement shall remain in effect.

         b.   Immediate Termination.  Notwithstanding any other provision of 
this Agreement to the contrary, the IPA shall have the right to terminate 
this Agreement immediately in the event that the Physician:


           (i)     shall have his or her license to practice medicine revoked 
    or subject to sanction; 

                                     -9-



          (ii)     is subject to the loss, suspension or reduction of (i) 
    medical staff privileges at any hospital or (ii)  federal or state 
    controlled substance registrations; 

         (iii)     undertakes any activity which results in jeopardy to the 
    life, health or safety of patients; or

          (iv)     fails to comply with a Plan's or IPA's policies and 
    procedures, as adopted from time to time.

          c.   Termination Without Cause.  This Agreement may be terminated 
by either party at any time without cause upon at least ninety (90) days 
prior written notice to the other party.

         d.   Suspension.  Pending the final adjudication of any action to 
revoke, sanction or reduce a license to practice medicine or privileges at a 
hospital, or upon failure of the Physician to satisfy the participation 
criteria of any Plan, the President of IPA may suspend the Physician's 
provision of Covered Services pursuant to this Agreement or to the Members of 
a Plan, as the case may be.  Any Physician subject to such action may seek 
reinstatement by filing a petition with the Board of Directors pursuant to 
procedures approved by the Board; provided, however, that no Physician shall 
be eligible for reinstatement unless the proceeding leading to suspension has 
been finally adjudicated in favor of the Physician or the Board of Directors 
finds by clear and convincing evidence that such proceeding, if conducted, 
would be finally adjudicated in favor of the Physician.

         e.   Failure to Accept Plan Participation.  For each Plan with which 
the IPA contracts, the IPA shall provide to Physician a description of the 
Plan contract. Physician understands and agrees that the IPA shall review, 
evaluate and, in some instances,  negotiate contracting options with the 
various Plans.   The IPA may act as a messenger to facilitate discussions 
concerning non-risk contracts with Plans ("Non-Risk Contracts") and may 
negotiate contracts with Plans which require the IPA and Physician to bear 
economic risk as part of the contract's terms ("Risk Contracts").

    Physician agrees to participate in, and to accept the terms and 
compensation negotiated by IPA with respect to each Plan except where the 
Physician is required to give IPA notice of election for participation, or 
may elect that to participate under applicable law. 

    Within fifteen (15) days of receipt of IPA's notice of a Non-Risk 
contract, Physician may notify the IPA of his/her intent  to participate in 
the Contract (the "Opt-in Notice").   If the IPA does not receive an Opt-in 
Notice from Physician then the time period prescribed above, Physician shall 
be designated as not participating in Contracts where the Physician must 
provide a notice of election to participate and shall be designated 
participating where the Physician must elect not to participate.  

                                     -10-



    IPA may request that Physician execute documents indicating participation 
in a particular Risk or Non-Risk Contract.  

         f.   Responsibility for Members Upon Suspension or at Termination. 
Physician shall continue to provide Covered Services to a Member who is 
receiving Covered Services from Physician on the effective date of suspension 
of participation under, or termination of, this Agreement until the then 
existing spell of illness is completed, unless IPA or Plan makes reasonable 
and medically appropriate provision for the assumption of such Covered 
Services by another Participating Provider. Physician agrees to cooperate 
with the IPA and the Plan in the proper transition of care to another 
Participating Physician.  For the period after termination, specified in the 
applicable Plan Schedule, IPA or Plan, as applicable, shall pay Physician for 
those Covered Services provided to a Member in accordance with the 
compensation methodology described in the Plan Schedule or, if applicable, 
developed by the IPA.

         g.   Liability Upon Termination.  The contractual obligations 
(including but not limited to payment of deficits or a loss of withholds) of 
Physician under this Agreement and a Plan Schedule which arise or accrue 
prior to the effective date of termination will survive termination of this 
Agreement.

    9.   UTILIZATION/QUALITY MANAGEMENT

         a.   IPA shall establish a Quality Care Committee which shall be 
responsible for the continuing review of the care provided to Members by 
Participating Providers.  The Quality Care Committee shall also establish a 
Utilization Management program to review the cost effectiveness of Covered 
Services furnished by Physician to Members on an inpatient and outpatient 
basis.  Such program will include pre-admission, concurrent and retrospective 
review.  Physician shall comply with the Utilization Management program and 
with any additional Utilization Management requirements imposed by IPA or a 
Plan.

         b.   Physician agrees to be bound by and comply with policies and 
procedures established by the Quality Care Committee.  Physician agrees that 
the Quality Care Committee may deny Physician payment hereunder for those 
Covered Services provided to a Member which are determined not to be 
Medically Necessary or in respect of which Physician failed to receive a 
required prior consent/authorization or follow policies or procedures which 
are developed and adopted by  a Plan and/or IPA.  IPA may also impose 
financial penalties and/or terminate this Agreement immediately if Physician 
fails to comply with the IPA's Utilization Management policies or 
recommendations.

         c.   Failure to comply with the requirements of this paragraph 9 
shall be deemed by IPA to be a material breach of this Agreement and shall, 
at IPA's option, be grounds for immediate termination of this Agreement.

    10.  RIGHT OF FIRST OPPORTUNITY.

                                     -11-



    The Physician hereby grants IPA the first opportunity to negotiate Risk 
Contracts and enter into Risk Contracts with a Plan on behalf of the 
Physician in accordance with the following terms:

         a.   If the Physician is contacted by a Plan for the purpose of 
participating in the Plan, or if the Physician desires to participate in a 
Plan or to renew a contract where the IPA also has a contract with such Plan 
in effect, in any case after the effective date of this Agreement, the 
Physician agrees to promptly notify IPA in writing of such offer.  IPA will 
have sixty (60) days from the date of notice to execute a letter of intent to 
enter into a definitive agreement with the Plan and an additional one hundred 
twenty (120) days after execution of the letter of intent to negotiate and 
execute a definitive agreement between IPA and the Plan.  The Physician 
agrees to suspend all negotiations with such Plan during the period in which 
IPA is conducting negotiations with the Plan.  IPA agrees to promptly notify 
the Physician if IPA decides not to contract with the Plan or is otherwise 
unable to reach an acceptable agreement with such Plan, and in either such 
case the Physician may after such notice negotiate and execute a separate 
agreement with the Plan.  IPA will use its best efforts to exercise its right 
of first refusal in an expeditious manner.  

         b.   If IPA is contacted by a Plan for the purpose of entering into 
an agreement with the Plan, or if IPA contacts a Plan for the purpose of 
entering into a contract with the Plan, IPA will promptly notify the 
Physician in writing of such contact.  The Physician agrees to suspend or 
forego separate negotiation of a contract with the Plan during a one hundred 
twenty (120) day period from the date of such notice, during which time IPA 
may negotiate a definitive agreement between IPA and the Plan.  IPA agrees to 
promptly notify the Physician if it decides not to contract with the Plan or 
is otherwise unable to reach an acceptable agreement with such Plan, and in 
either such case, the Physician may after such notice negotiate and execute a 
separate agreement with the Plan.

         c.   If the Physician has in effect a contract with a Plan as of the 
date that IPA first executes a contract with a Plan, then the Physician 
agrees not to renew such contract as of its expiration date and instead to 
participate in such Plan through IPA as of such expiration date.  

    11.  GENERAL PROVISIONS.

         a.   Notices.  Any notices required or permitted to be given 
hereunder by either party to the other may be given by personal delivery in 
writing or by registered or certified mail, postage prepaid, with return 
receipt requested. Notices shall be addressed to Physician at the address 
appearing in the introductory paragraph on the first page of this Agreement, 
and to IPA as follows:

         MedServ IPA, Inc.
         1520 Highland Avenue

                                     -12-



         Cheshire, Connecticut 06410
         Attn:  Associate Chief Executive Officer


Each party may change such party's address by written notice given in 
accordance with this paragraph.  Notices delivered personally will be deemed 
communicated as of actual receipt; mailed notices will be deemed communicated 
as of three days after mailing.

         b.   Entire Agreement of the Parties.  This Agreement supersedes any 
and all agreements, either written or oral, between the parties hereto with 
respect to the subject matter contained herein and contains all of the 
covenants and agreements between the parties with respect to the rendering of 
Covered Services to Members. Each party to this Agreement acknowledges that 
no representations, inducements, promises, or agreements, oral or otherwise, 
have been made by either party, or anyone acting on behalf of either party, 
which are not embodied herein, and that no other agreement, statement, or 
promise not contained in this Agreement shall be valid or binding.  

         c.   Severability.  If any provision of this Agreement is held by a 
court of competent jurisdiction or applicable state or federal law and their 
implementing regulations to be invalid, void or unenforceable, the remaining 
provisions will nevertheless continue in full force and effect.

         d.   Governing Law.  This Agreement shall be governed by and 
construed in accordance with the laws of the State of Connecticut.

         e.   Assignment.  This Agreement shall be binding upon, and shall 
inure to the benefit of, the parties to it, and their respective heirs, legal 
representatives, successors and assigns.  Notwithstanding the foregoing, 
neither Physician or IPA may assign any of their respective rights or 
delegate any of their respective duties hereunder without receiving the prior 
written consent of the other party which consent shall not be unreasonably 
withheld.

         f.   Independent Contractor.  At all times relevant and pursuant to 
the terms and conditions of this Agreement, Physician is and shall be 
construed to be an independent contractor practicing Physician's profession 
and shall not be deemed to be or construed to be an agent, servant or 
employee of IPA.

         g.   Confidentiality.  The terms of this Agreement and in particular 
the provisions regarding compensation, are confidential and shall not be 
disclosed except as necessary to enforce the performance of this Agreement or 
as required by law.

         h.   Waiver.  The waiver of any provision, or of the breach of any 
provision, of this Agreement must be set forth specifically in writing and 
signed by the waiving party.  Any such waiver shall not operate or be deemed 
to be a waiver of any prior or future breach of such provision or of any 
other provision.

                                     -13-



         i.   Amendment.  This Agreement may be automatically amended by IPA 
to comply with any amendments to Plan Schedules or any subsequent agreements 
entered into between IPA and a Plan or to comply with any applicable state or 
federal law or regulation or other governmental requirement.  Any other 
amendments must be mutually agreed to in writing by IPA and Physician.

    Executed on the date and year first above written.


PHYSICIAN


By:___________________________________(signature)

   ___________________________________, M.D. (print name)

Date:________________


MEDSERV IPA, INC.


By:___________________________________(signature)

   ___________________________________(print name)

Date:________________

                                     -14-