The information in this publication does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. CIGNA HealthCare assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied in this publication. "CIGNA HealthCare" refers to various operating subsidiaries of CIGNA Corporation. Products and services are provided by these subsidiaries and not by CIGNA Corporation. These subsidiaries include Connecticut General Life Insurance Company, Tel-Drug, Inc., and its affiliates, CIGNA Behavioral Health, Inc., Intracorp and HMO or service company subsidiaries of CIGNA Health Corporation and CIGNA Dental Health, Inc. In Arizona, HMO plans are offered by CIGNA HealthCare of Arizona, Inc. In California, HMO plans are offered by CIGNA HealthCare of California, Inc. In Virginia, HMO plans are offered by CIGNA HealthCare of Virginia, Inc., and CIGNA HealthCare Mid-Atlantic, Inc. In North Carolina, HMO plans are offered by CIGNA HealthCare of North Carolina, Inc. All other medical plans in these states are insured or administered by Connecticut General Life Insurance Company. "CIGNA" is also a registered service mark. Entire publication ©CIGNA 2005. All rights reserved. All models used for illustrative purposes only. Any reference to other organizations or companies, including their Internet sites, is not an endorsement or warranty of the services, information or products provided by them.