PHYSICIANS CARE FOR CONNECTICUT, INC.
                               ACUTE HOSPITAL AGREEMENT

    This Agreement is between PHYSICIANS CARE FOR CONNECTICUT, INC. 
("Physicians Care"), a Connecticut corporation, licensed as a health 
maintenance organization (HMO) under the laws of the State of 
Connecticut, and _________________________________ ("the Hospital"), a 
facility duly licensed under the laws of the State of Connecticut.


WHEREAS, Physicians Care desires to purchase, on behalf of Physicians 
Care Members, certain inpatient and outpatient hospital services 
[and hospital-based professional services]; and

WHEREAS, the HOSPITAL desires to contract with Physicians Care to provide 
such services to Members.

NOW THEREFORE, Physicians Care and the HOSPITAL agree as follows:

1.0 DEFINITIONS

As used in this Agreement, the following terms shall have the following 
meanings:

    1.1  Covered Services: The medical services and benefits for which a 
    Member is eligible under the applicable Subscriber Agreement.  Except as 
    specifically stated in the applicable Subscriber Agreement, only (i) 
    services that are Medically Necessary and provided or authorized by a 
    Member's Primary Care Physician  or (ii) Emergency Services, are Covered 
    Services.  The terms used herein shall have the same meaning in 
    this Agreement as those specified in the applicable Subscriber Agreement 
    unless there is a conflict, in which case the Subscriber Agreement shall 
    control.



    1.2  Emergency Services:  Health care services required in the event of 
    the sudden onset of a condition that requires immediate medical or 
    surgical care to prevent death or permanent impairment of the Member's 
    health, or where taking the time to call his or her Primary Care 
    Physician might place the Member's life in danger.  Heart attack, stroke, 
    poisoning, loss of consciousness or convulsions are examples.

    1.3   Inpatient Hospital Services: All hospital services, including 
    ancillary services (but not including separately billed professional 
    services) associated with inpatient care.

    1.4  Medicaid: A program under which Physicians Care membership is 
    provided to persons eligible for Medicaid benefits in return for periodic 
    payments to Physicians Care by the Connecticut Medicaid agency.

    1.5  Medically Necessary: Those medical services that are essential for 
    the treatment of a Member's medical condition and are in accordance with 
    generally accepted medical practice.

    1.6  Medicare Risk Program:  A program under which Physicians Care 
    membership is provided to Medicare-eligible beneficiaries in return for 

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    prospective payments to Physicians Care by the Health Care Financing 
    Administration and/or the enrolled member.

    1.7  Medicare Supplement Program: A program under which Physicians Care 
    membership is provided to Medicare-eligible beneficiaries.  Medicare is 
    the primary payor, and Physicians Care is financially responsible for 
    supplemental coverage in accordance with the Medicare Supplement Program 
    Agreement.

    1.8  Member: A Member means a person entitled to receive medical and 
    hospital services and/or financing of such services through Physicians 
    Care pursuant to the terms of an effective and applicable Subscriber 
    Agreement.  For purposes of this Agreement, a Member includes any person 
    for whom Physicians Care is legally obligated to provide, arrange to 
    provide and/or underwrite health care or administrative services. 

    1.9  Outpatient Hospital Services: All hospital services provided on an 
    ambulatory basis, including, but not limited to emergency room services, 
    surgical day care and outpatient ambulatory procedures, but not including 
    separately billed professional services.

    1.10 Physicians Care Administrative Manual ("Manual"):  This Agreement 
    incorporates by reference, as fully set forth herein, the Manual in 
    effect on the date hereof

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    and as modified by Physicians Care in its sole discretion.  The Manual 
    includes, but is not limited to, claims submission procedures, discharge 
    planning procedures, and Hospital recredentialing criteria.  Hospital 
    acknowledges receipt of the Manual.  In the event of conflict between the 
    Manual and this Agreement, this Agreement shall control.

    1.11 Physicians Care Physician:  A physician  who maintains a contractual 
    relationship with Physicians Care to provide or arrange to provide 
    comprehensive health care services to Members.

    1.12 Primary Care Physician: A specialist in internal medicine, family 
    practice, or pediatrics who is under contract with Physicians Care to 
    provide and authorize a Member's care. 

    1.13 Self-Funded Employer (Self-Insured Employer): An Employer that 
    contracts with Physicians Care for the provision or arrangement of 
    managed care medical services and other related administrative services 
    for its eligible employees, dependents and/or retirees whereby the 
    Employer assumes financial risk for claims incurred by those participants.

    1.14 Subscriber Agreement(s): The contract(s) under which Physicians Care 
    is legally required to provide Covered Services to a Member.  Physicians 
    Care shall provide the Hospital with copies of Subscriber Agreements upon 
    written request.

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2.0 HOSPITAL SERVICES AND AUTHORIZATION REQUIREMENTS


    2.1  The Hospital will provide Members with Covered Services to the 
    extent customarily provided by the Hospital.  If the Hospital plans to 
    modify or delete services that are usually and customarily provided, or 
    add services for its patients not in effect as of the effective date of 
    this contract, the Hospital will provide prior written notice to 
    Physicians Care of such changes.

    Priority and access to services for Members will be determined on the 
    same basis as for other patients, according to the severity of medical 
    need and availability of accommodations.  The Hospital agrees to provide 
    Covered Services to Members in accordance with generally accepted 
    standards of patient care.  The Hospital will provide the same quality of 
    care to Members as it provides to its other patients.  

    2.2  In the event that a Member requires Emergency Services, the Hospital 
    will provide or arrange for such services and will notify Physicians Care 
    as soon as practical (but no longer than the later of twelve (12) hours 
    or the next business day) following the provision of Emergency Services 
    to permit Physicians Care to notify the applicable Primary Care Physician 
    to coordinate further delivery of care.  Whenever Emergency Services are 
    provided or arranged, the Hospital shall furnish Physicians Care with 
    information on care provided and patient status.  The Hospital shall also 
    notify and provide Physicians Care with the status and likely disposition 
    of any patients being cared for by the Hospital's Emergency Room.

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    2.3  In the event that admission is deemed necessary following the 
    provision of Emergency Services, Physicians Care authorization must be 
    obtained for the admission.  This authorization is separate from the 
    notification for Emergency Services and must be obtained prior to 
    admitting the patient, unless the delay would endanger the patient.  If 
    patient condition does not permit prior authorization of admission, the 
    Hospital must contact Physicians Care within twelve (12) hours of the 
    admission or the next business day to obtain authorization.  The 
    notification to Physicians Care in and of itself does not constitute 
    authorization.

    2.4  In the event that follow-up services, but not an admission, are 
    believed to be necessary by the Hospital or its physicians following the 
    provision of Emergency Services, Physicians Care authorization must be 
    obtained.  This authorization is separate from the notification for 
    Emergency Services and must be obtained prior to treating the patient for 
    follow-up care.

 3.0 HOSPITAL FINANCIAL RESPONSIBILITIES

    3.1  In the event that the Hospital provides or arranges for Services to 
    a Member, (except a Point of Service Plan Member receiving Out-of-Network 
    Services), without Physicians Care authorization and not otherwise 
    constituting Emergency Services as defined in this Agreement, the 
    Hospital must seek payment from such Member or other responsible party, 
    and Physicians Care shall not be responsible for payment for such 

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    services.  In the event of admission following Emergency Services, 
    Physicians Care will not be responsible for payment of unauthorized days 
    if the notification procedures outlined in Section 2.2 were not followed. 
    Under these circumstances, the Hospital cannot bill the Member for 
    payment of these services.

    3.2  The Hospital shall submit claims to Physicians Care within ninety 
    (90) days from the date of service; however, claims may be submitted 
    later than ninety (90) days but not more than one (1) year from the date 
    of service, if accompanied by documentation indicating good cause for 
    late filing.  Physicians Care shall determine good cause in its sole 
    discretion and shall not be obligated to pay claims submitted more than 
    ninety (90) days from date of service without good cause for delay or 
    claims submitted more than one (1) year from the date of service.  The 
    Member may not be billed for such services. Claims shall be submitted in 
    accordance with the procedures and requirements set forth in the Manual.  
    This includes the requirement that all claims shall be submitted on an 
    UB-82 or UB-92 form, with all appropriate ICD-9 and CPT codes.

    3.3  Except as specifically set forth herein, the Hospital will look 
    solely to Physicians Care for payment for Covered Services provided to 
    Members.  The Hospital will not assert any claim or demand on Members or 
    employers of Members (except for Self-Funded Employers in accordance with 
    Section 4.10 of this Agreement), for 

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    compensation for Covered Services, whether or not payment has actually been 
    received from Physicians Care.

    3.4  When rendering Covered Services, the Hospital may collect and retain 
    from Members, at the same time services are provided, any applicable 
    copayment or deductible as set forth in the applicable Subscriber 
    Agreement.  Payments to the Hospital shall be net of any applicable 
    copayments or deductibles payable by Members for Covered Services, 
    whether or not the Hospital collects such payment.

    3.5  Physicians Care will be responsible for payment for Covered Services 
    if the patient is an active Member and eligible for such service on the 
    date of treatment.  Physicians Care reserves the right to deny or recover 
    payment if after receipt of a claim it is determined that the patient was 
    not a Member on the date of service.  The Hospital may bill the patient 
    or his or her insurance carrier directly for those non-reimbursed 
    services furnished to the patient. [Retroactive termination policy]

    3.6  The Hospital may bill a Member for services furnished to a Member if 
    (1) the services were not authorized by a Physicians Care Physician 
    (except Emergency Services), (2) the services were not Covered Services 
    and the Member was advised that the services were not Covered Services 
    prior to their provision, or (3) the Member did not identify himself or 
    herself as a Member.

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    3.7  Physicians Care assesses the appropriateness of inpatient care using 
    clinically recognized criteria, such as the Managed Care Appropriateness 
    Protocol (MCAP).  If through its utilization management program, 
    Physicians Care determines that any portion of a hospital stay is not 
    Medically Necessary, Physicians Care, at its discretion, will not be 
    financially responsible for said portion of the hospital stay.

    3.8  The Hospital agrees that, in the event of the insolvency or 
    bankruptcy of Physicians Care, the Hospital shall not seek payment from 
    Members who have received Covered Services pursuant to this Agreement 
    whether or not payment has actually been received for such services, and 
    whether or not this Agreement remains in effect.  The Hospital's sole 
    redress shall be against the assets of Physicians Care as applicable 
    under this Agreement.  In the event of insolvency on the part of 
    Physicians Care, the Hospital agrees to continue to provide services to a 
    Member who is an inpatient until the Member is discharged based on 
    medical appropriateness.

4.0 RATES AND PAYORS' FINANCIAL RESPONSIBILITIES

    4.1  Physicians Care will pay the Hospital for authorized Inpatient 
    Services and Outpatient Services, and the Hospital shall accept from 
    Physicians Care in full and final satisfaction for all Hospital Inpatient 
    Services and Outpatient Services rendered hereunder, fees and charges as 
    specified in Exhibit A, which is by reference expressly incorporated 
    herein. 

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    4.2  Pre-Admission Testing: The cost of any diagnostic, consultative or 
    other services related to an inpatient admission performed by the 
    Hospital, or by a wholly-owned or controlled subsidiary or affiliate of 
    the Hospital, within seven (7) days immediately preceding the admission 
    shall be included in the Inpatient Services rates of payment.

    4.3  If Physicians Care and the Hospital have not reached agreement on 
    rates for Medicare Risk Program Members, Physicians Care may pay the 
    Hospital for Inpatient Services at the then applicable Medicare DRG rates 
    of payment in accordance with Section 4012 of the Omnibus Budget 
    Reconciliation Act of 1987 in full satisfaction of its obligations 
    hereunder.

    4.4  For Covered Services provided to Medicare Supplement Program Members 
    who are covered by Medicare or Physicians Care, as applicable, Physicians 
    Care shall reimburse the Hospital solely for the Medicare copayment and 
    deductible that would be payable by the Medicare enrollee for such care 
    (or the full contract rate, if lower).  For any Covered Services that 
    Medicare does not cover, the Hospital shall be reimbursed at the contract 
    rates, as set in Exhibit A.

    4.5  Physicians Care may pay the Hospital for Covered Services for 
    Connecticut Medicaid Members at the rates that the Hospital has 
    contracted with the Connecticut Medicaid agency for such services.

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    4.6  All rates of payment, as listed in Exhibit A, are applicable to all 
    Member, except as otherwise indicated.

    4.7  For hospitals licensed in Connecticut, all rates of payment, as 
    listed in Exhibit A, are inclusive of any free care surcharge as may be 
    required to be itemized on Hospital bills to payors in accordance with 
    any state law regarding uncompensated or free care pool.  If the 
    Connecticut Medicaid agency regulations or other legal mandates prohibit 
    the inclusion of any uncompensated or free care surcharge in the rates of 
    payment listed above, then those rates will be reduced by the amount of 
    the uncompensated or free care surcharge.

    For hospitals licensed out of state, all rates of payment, as listed in 
    Exhibit A, are inclusive of any surcharges, taxes, or similar fees 
    required to be itemized or otherwise incorporated into or added onto 
    Hospital bills to payers in accordance with laws that may be enacted in 
    the provider hospital's state.

    4.8  Hospital agrees to accept payments for Inpatient and Outpatient 
    Services according to the guidelines as specified in the Manual.  
    Physicians Care will pay the lower of billed charges or the rate set 
    forth in Exhibit A.  Physicians Care may revise the outpatient Physicians 
    Care Fee Schedule(s) from time to time in accordance with industry 
    practice, including but not limited to such revisions as the addition or 
    deletion of procedural codes.

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    4.9  Notwithstanding any other provisions of Section 3 or 4 of this 
    Agreement, Physicians Care shall not be liable under this Agreement for 
    payment of Covered Services that are the financial responsibility of a 
    Self-Funded Employer.  The Hospital shall look to the responsible 
    Self-Funded Employer for payment for any non-reimbursed Covered Services.

    4.10 Physicians Care's may engage a third-party auditing firm to verify 
    the accuracy of Hospital claims.  The Hospital shall cooperate with 
    Physicians Care and its auditor under the procedures as set forth in the 
    Manual.  For DRG-based reimbursement, Physicians Care reserves the right 
    to validate inpatient claim information (including diagnosis procedure 
    code) used to determine DRG assignment by Physicians Care, and to adjust 
    payments to the Hospital based on corrections to claim information.  


5.0 PAYMENT FOR MEMBERS ELIGIBLE FOR OTHER INSURANCE


    5.1  Hospital agrees to comply with generally accepted practices and 
    procedures for coordination of benefits, and third party liability 
    recovery and to assist Physicians Care with such programs.  Hospital will 
    collect information concerning duplicate coverage, workers compensation 
    and personal injury liability at the time of admission, and provide such 
    information to Physicians Care in a timely manner.

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    5.2  Hospital shall bill the primary payor directly, and provide 
    Physicians Care with copies of all primary payor payments and outstanding 
    claims.  Physicians Care will pay the remaining balance for Covered 
    Services provided to Members whose primary insurer is not Physicians Care 
    after the primary payor's full liability has been determined (full 
    liability equals the primary payor's payment plus the primary payor's 
    contractual allowance).  In no event will Physicians Care pay more than 
    if it were the primary payor, and Physicians Care's secondary liability 
    as payor shall be determined based on the rates set forth in Exhibit A.  
    If Physicians Care makes payment to the Hospital and it is subsequently 
    determined that Physicians Care is not the primary payor, the Hospital 
    shall reimburse Physicians Care for such payments.

    5.3  Notwithstanding the above and in accordance with state regulation, 
    Physicians Care shall not have liability, either as the primary or 
    secondary payor, under this Agreement, unless the services are Covered 
    Services under this Agreement and unless the Hospital has complied with 
    all other terms of the Agreement.

6.0      PROFESSIONAL STAFF; PHYSICIAN CREDENTIALING AND RECREDENTIALING

    6.1  The Physicians Care Medical Director shall be responsible for 
    representing Physicians Care Physicians in their relationship with the 
    Hospital and will assume general oversight of Physicians Care's 
    responsibility with respect to the provision of services pursuant to this 
    Agreement.  The Hospital agrees to consider applications from

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    qualified Physicians Care Physicians for appointment to the Hospital Staff 
    and for delineation of privileges in accordance with the Bylaws, rules, 
    regulations and policies of both the Hospital and its Medical Staff.

    6.2  A Physicians Care Physician who has been appointed to the Hospital 
    medical staff under Section 6.1 shall have the opportunity to provide 
    medical care to Members at the Hospital within the scope of any 
    applicable privilege.  Any professional services required with respect to 
    any service or admission (such as consultation services) that cannot 
    appropriately be delivered by a Physicians Care Physician who has been 
    appointed to the Hospital staff may be provided by an appropriate 
    physician on the Hospital staff according to the usual Hospital protocols 
    and rules for referral and in accordance with any separate agreements 
    which may exist between the Hospital physicians and Physicians Care for 
    physician services.

    6.3  Each physician who is a member of the medical staff of the Hospital 
    providing services under this Agreement shall maintain his or her status 
    as a duly licensed physician under the laws of Connecticut and shall 
    continue to be Board Certified or Board Eligible in their respective 
    practicing specialty. Hospital agrees to provide Physicians Care, on 
    written request, with a current list of staff physicians and their 
    medical staff classifications.

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    6.4  Physicians Care may request credentialing and recredentialing 
    information from the Hospital regarding Physicians Care Physicians 
    (either current Physicians Care Physicians or physicians who have applied 
    to become Physicians Care Physicians) who are on the medical staff of the 
    Hospital.  Pursuant to each physician's release and waiver, in accordance 
    with the regulations of the Connecticut Board of Medicine and as supplied 
    by Physicians Care, the Hospital shall provide written confirmation that 
    the physicians in question have been credentialed by Hospital, and are 
    members of the Hospital staff in good standing; and the Hospital shall 
    provide a copy of each physician's application for medical licensure or 
    renewal of medical licensure, whichever is most recent. The Hospital 
    shall provide whatever additional information may be required in 
    accordance with Board of Medicine regulations.

    To the extent the Hospital has knowledge, it shall immediately notify 
    Physicians Care in the event that a Physicians Care Physician is censured 
    or reprimanded by any health care facility (and such discipline is 
    reportable to the Board of Medicine) or has his or her privileges at any 
    health care facility suspended, revoked, restricted, made probationary, 
    or otherwise diminished in any way, including resignation or nonrenewal, 
    or is subject to any disciplinary action by the Board of Registration.  
    Physicians Care shall be notified of any medical malpractice claim or 
    potential medical malpractice claim against the Hospital or its 
    physicians by any Physicians Care Member.

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7.0 REPORTING REQUIREMENTS; MEDICAL RECORDS

    7.1  The Hospital shall make available to Physicians Care the information 
    specified in the Reporting Requirements section of the Manual, and shall 
    comply with such procedures specified therein.

    7.2  Upon request, the Hospital agrees to provide Physicians Care with 
    copies of Members' medical records, except where specific member consent 
    is required by law.  Physicians Care represents that patient consent for 
    release of patient records has been obtained by Physicians Care as part 
    of its enrollment process and the Member's acceptance of the Subscriber 
    Agreement.

    7.3  During the term of this Agreement, and for a period of seven years 
    thereafter, Hospital will allow Physicians Care to have access to their 
    Members' medical records relating to services provided under this 
    Agreement.

    7.4  In addition, upon reasonable request and at reasonable times, 
    Physicians Care  and the Hospital shall make available to the other for 
    review and copying any additional records, patient charts, and other 
    medical or billing documents or information as may be deemed relevant to 
    any determination required by this Agreement, or as may be requested by 
    Physicians Care for medical purposes, quality assurance or utilization 
    review purposes, pursuant to any legal or regulatory

                                    -16-



    requirements.  All parties shall treat such information confidentially 
    pursuant to Section 1 9.0 of this Agreement and in accordance with law.

    7.5  The Hospital will be reimbursed for copies of any documents 
    requested pursuant to Section 7 of this Agreement at the rate of $        
    per page.

8.0 UTILIZATION MANAGEMENT/ CASE MANAGEMENT/ QUALITY ASSURANCE

    8.1  The Hospital shall cooperate with and assist Physicians Care in its 
    case management/quality assurance and utilization management functions.  
    The Hospital shall provide on-site privileges for Physicians Care's 
    liaison nurses, continuing care nurses, patient care coordinators, and/or 
    social workers upon Physicians Care's request, including unrestricted 
    access to medical records, unrestricted access to Members and hospital 
    staff, and authority to input into the Hospital medical record, when in 
    accordance with the Bylaws of the Hospital. The Hospital shall allow 
    Physicians Care's liaison nurses, continuing care nurses, patient care 
    coordinators, and/or social workers work spare access including desk 
    space, telephone access, spare for a computer terminal, and secure space 
    for personal belongings.

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    8.2  The Hospital shall cooperate with Physicians Care in level-of-care 
    decision-making and discharge planning in accordance with the discharge 
    planning procedures outlined in the Manual.  The final decision of 
    level-of-care for purposes of determining reimbursement by Physicians 
    Care shall be made by Physicians Care.

    8.3  The Hospital shall treat Physicians Care Members the same as any 
    other Hospital patients in making available to such patients social 
    services (e.g., assistance with Medicaid applications, family counseling, 
    and advice and assistance in obtaining other non-medical post-discharge 
    services and continuing care services.)

    8.4  The Hospital shall not exclude Members from its utilization 
    management, quality assurance and discharge planning programs and will 
    notify Physicians Care of Members referred to its Quality Assurance 
    Review Committee.

9.0 HOSPITAL RECREDENTIALING PROGRAM

    9.1  The Hospital agrees to cooperate with and participate in any 
    Physicians Care Recredentialing Requirements as set forth in the Manual.  
    The Hospital agrees to provide the required information and documentation 
    in a timely manner as specified in the Manual.

10.0     TERM AND TERMINATION

    10.1 This Agreement shall be effective as of ___________________________
    and shall continue

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    in effect through ______________________________ (the "Term") and shall 
    be automatically renewed under the same terms and conditions for 
    successive one-year terms (each referred to as a "Renewal Term"), unless 
    terminated upon written notice given at least ninety (90) days prior to 
    the end of the Term.

    10.2 The Hospital fees for services to Physicians Care Members specified 
    in Exhibit A shall be effective for the Term of this Agreement.  Should 
    the parties be unable to agree upon the schedule of fees and charges 
    within ninety (90) days after the start of any Renewal Term, the Hospital 
    will be reimbursed in accordance with the reimbursement schedule in 
    effect on the last day of the Term, until a new reimbursement schedule is 
    finalized or unless the Agreement is terminated as provided in Section 
    10.1.

    10.3 Physicians Care shall continue to pay for Covered Services provided 
    to Members hospitalized at the time of termination of this Agreement in 
    accordance with the terms and rates in effect on the date of termination 
    and until there can be a medically appropriate discharge.

    10.4 This Agreement shall be terminated immediately upon receipt of 
    notice of any of the following: 1) material breach, where the material 
    breach is not resolved or cured within thirty (30) days of receipt of 
    written notice of the alleged breach; 2) fraud and misrepresentation; 3) 
    loss, limitation or suspension of the Hospital's license, JCAHO 

                                    -19-


    accreditation, or qualification under Medicare or Medicaid; 4) where 
    either party (i) makes a general assignment for the benefit of creditors, 
    (ii) suffers or permits the appointment of a receiver for its business or 
    assets, (iii) avails itself of, or becomes subject to, any proceeding 
    under the Federal Bankruptcy Act or any other statute of any state 
    relating to insolvency or the protection of the rights of creditors.

11.0     NOTICES

    All legal notices or other communications provided for or required by 
    this Agreement shall be given by each party to the other parties in 
    writing addressed to the parties as set forth below, or to such other 
    addresses as each party may designate by written notice:

         To Hospital:

         To Physicians Care:

12.0     SEVERABILITY

    If any term, provision, covenant or condition of this Agreement is 
    invalid, void or unenforceable, the rest of the Agreement shall remain in 
    full force and effect.  The validity or enforceability of any term or 
    provision hereof shall in no way affect the validity or enforceability of 
    any other term or provisions.

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13.0     INTEGRATION AND AMENDMENTS

    13.1 This Agreement (and its Exhibits and Appendices) contains the 
    complete understanding and agreement between the parties and supersedes 
    all representations, understandings or agreements prior to the execution 
    hereof.

    13.2 No waiver, alteration, amendment or modification of this Agreement, 
    (except to the Manual and except as otherwise noted), shall be valid 
    unless in each instance a written memorandum specifically expressing such 
    waiver, alteration, amendment or modification is made and subscribed by a 
    duly authorized officer of the Hospital and a duly authorized officer of 
    Physicians Care.

14.0     LIABILITY INSURANCE

    The Hospital shall procure and maintain professional liability insurance 
    (medical malpractice) in the amount of at least $1,000,000/$3,000,000, 
    and ensure that its physicians maintain such insurance for the duration 
    of this Agreement.  Physicians Care shall procure and maintain 
    professional liability insurance (medical malpractice) in the amount of 
    at least $1,000,000/$3,000,000, and the Hospital agrees to procure and 
    maintain comprehensive general liability in an amount commensurate with 
    industry standards.  The parties shall immediately report to the other 
    any lapse or modification in such coverage. 

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15.0     USE OF NAME

    The Hospital agrees to designation as a participating Hospital in 
    Physicians Care Member or  marketing materials and the parties agree to 
    the listing of each other's name, address, telephone number and 
    description of facilities and services in each other's brochures and 
    literature.

16.0      MEMBER COMPLAINTS

    16.1 Physicians Care and the Hospital agree, to the extent permitted by 
    law, fully to advise each other of any Member complaint, grievance or 
    claim known to that party relating to services provided under this 
    Agreement.

    16.2 Physicians Care maintains a grievance process for Members in 
    accordance with applicable state and federal law, and the applicable 
    Subscriber Agreement. Hospital agrees to cooperate with Physicians Care 
    in its resolution of Member complaints and grievances.

17.0     INDEMNIFICATION

    17.1 The Hospital shall indemnify and hold harmless Physicians Care from 
    and against any claims, demands, costs, or expenses (including reasonable 
    attorney's fees) arising from or based on acts or omissions of the 
    Hospital or its agents or employees

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    under this Agreement, provided that the Hospital shall have no liability to 
    Physicians Care under this subsection unless the Hospital is promptly 
    notified in writing of all claims asserted and actions instituted against 
    Physicians Care and is given the opportunity to defend the same at its own 
    cost and expense.

    17.2 Physicians Care shall indemnify and hold the Hospital harmless from 
    and against any claims, demands, costs or expenses (including reasonable 
    attorney's fees) arising from or based on acts or omissions of Physicians 
    Care or its agents or employees under this Agreement, provided that 
    Physicians Care shall have no liability to the Hospital under this 
    subsection unless Physicians Care is promptly notified in writing of all 
    claims asserted and actions instituted against the Hospital and is given 
    the opportunity to defend the same at its own cost and expense.

18.0     COUNTERPARTS

    This Agreement may be executed in any number of counterparts, each of 
    which will be deemed to be an original, but all of which together shall 
    constitute the same instrument.

19.0     PROPRIETARY INFORMATION

    Each party to this Agreement shall protect the confidentiality of 
    proprietary business information, Member medical record information, and 
    any other confidential information disclosed to it by any other party 
    under this Agreement, and labeled as such, including but not limited to 
    financial information, fees, and rates contained in this

                                    -23-



    Agreement and Exhibit A, and shall take all reasonable measures to 
    prevent any of its agents, employees, independent contractors, or any 
    other person involved in doing business with or controlled by the party 
    involved from disclosing or transmitting to any person or entity any of 
    such information; provided, however, that nothing herein shall prohibit a 
    party from disclosing or transmitting information to the extent necessary 
    under the terms of this Agreement or as required by law.  This provision 
    shall not apply to any information which is now in, or subsequently 
    enters the public domain, provided that a party has not, in violation of 
    this provision, disclosed or caused to be disclosed such information so 
    as to make it public or to enter the public domain.

IN WITNESS WHEREOF, Physicians Care and the HOSPITAL have executed this 
Agreement by their respective duly authorized officers.

PHYSICIANS CARE FOR CONNECTICUT, INC.       HOSPITAL



BY:______________________________      BY:______________________________



DATE:___________________________       DATE:___________________________


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