RIGHTCHOICE MANAGED CARE INC /DE
8-K, EX-10, 2000-12-15
HOSPITAL & MEDICAL SERVICE PLANS
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                                 Exhibit 10.8

                       PARENTAL GUARANTEE


The undersigned Primary Licensee, RightCHOICE Managed Care, Inc.,
a  Delaware  Corporation, hereby certifies that it guarantees  to
the  full  extent  of  its  assets, all of  the  contractual  and
financial  obligations  of  the Controlled  Affiliate  Licensees,
Healthy  Alliance Life Insurance Company and HMO Missouri,  Inc.,
to their customers.

"Primary Licensee"



/s/ John O'Rourke                                      11/30/00
John O'Rourke                                          Date
President and CEO
RightCHOICE Managed Care, Inc.
A Delaware Corporation



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