Universal Health Care, Inc. announces increased Medicare coverage choices in 2006 - all with the new Medicare "Part D" prescription coverage

St Petersburg, FL - October 21, 2005

Universal Health Care announced today that Seniors  in the Tampa Bay area eligible for Medicare will have a wide range of health plan options, including plans that provide cash back and the new Medicare approved prescription drug coverage with a zero premium.  The plans, approved by The Centers for Medicare & Medicaid Services (CMS), will be offered to Medicare beneficiaries beginning Nov. 15, 2005 and become effective Jan. 1, 2006.

St Petersburg based Universal Health Care, one of the fastest growing Medicare Advantage Plans in Florida , plans to offer a wide choice of  its “Hassle Free” health plans for 2006.  Universal's plan options will include  its popular “Medicare Masterpiece Plan” that includes the new prescription drug benefits and gives its members “cash back” from Social Security by eliminating $87.70 that would otherwise be withheld for the Medicare Part B premium – that’s over $1,050 in cash back each year.  In addition, beneficiaries will have the option of enrolling in the company’s unique “Medicare Masterpiece Plus” Point of Service plan.   This plan provides for members to have the ultimate freedom to see any doctor, anytime, anywhere for the same low copay that they would pay for services by a doctor in the Plan’s network.  This “Any, Any, Any Plan” member in 2006 will therefore have the same low or $0 copayment for doctor visits wherever they may go in the United States, and will get $50 cash back each month – that’s $600 each year. Prescription drug coverage, with no monthly or annual limits, and zero deductible will also be provided as part of each of Universal Health Care’s Hassle Free Health Care Plans.

Medicare beneficiaries enrolled in Universal’s Medicare Masterpiece plans currently enjoy great prescription drug benefits, and its going to get better in 2006.  “Members will have enhanced prescription drug coverage next year” said A.K. Desai, MD, the Plan’s Chief Executive Officer.  “In our prescription drug programs, we have been able to reduce copays and provide drugs with no monthly or annual  coverage limits and zero deductible in most of our plans”.  Members currently enrolled in the company’s health plans do not need to do anything to receive these new benefits in 2006 - they will be automatically enrolled when the new plan benefits become effective in January.  The company’s popular Vitalife^sm wellness program will also be expanded in 2006.  Dr Desai noted that he feels the 2006 benefit enhancements are another reflection of Universal’s doctor designed and doctor led  program of “Hassle Free Health Care”.

The federal government has made available several tools that people with Medicare can use to help them decide what benefits they need and what is available in their area. A Medicare Prescription Drug Cost Estimator, designed to help determine possible out-of-pocket costs and assist in choosing a plan design, is available on the Internet at www.medicare.gov/medicarereform/drugbenefit.asp. Those with questions can also call 1-800-MEDICARE.

 For more information on The Medicare Masterpiece Plan^sm, please contact:

John McCoy

at jmccoy@univhc.com

or by calling 1-866-690-4842 (307)

 The Universal Health Care website is www.UnivHC.com