health insurance products and services; health maintenance organization insurance services; negotiating contracts with physicians, hospitals, and other providers of health services to enter into health services contracts; selling health insurance policies and services through brokers and through an employed sales force to companies, organizations, groups and individuals; sending premium notices, collecting premium payments, and financial management of the same; receiving claims from insured parties and from health providers and adjudicating and processing such claims; providing information and educational activities to subscribers, relating to insurance benefits, cost effective use of health insurance, health related programs, providing programs and information to prevent illness; providing health utilization data to subscribers; perform provider credentializing for insurance plans; provide quality insurance and utilization management of providers on plans