. >> please identify yourself >> chris parerrez blue shield account manager i think your question is you are asking about the annual out-of-pocket maximum >> yeah, the access now is only 2,000 for an individual 4,000 for a family and new ppo it would be $6,350 for an individual and 12,700 for a family. >> that is correct. so the majority of your folks today are covered under the gmapd which is the 65 + plan out of about the 7,000 people that we cover currently about 5300 aren't in this plan so we modelled the national ppo plan we wanted to model it out of the current hmo plan that is offered to the majority of your people. if you notice that that third column where it says shield 65 + annual out-of-pocket maximum is 6,000 per individual >> i was looking at the access i don't know how many people are in the access >> 15 to 1700 >> out of area >> they're out of the gopd 65 + service area so in actuality the new national ppo plan we're offering has a lower annual out-of-pocket maximum than the current 65 + plan. >> i see that one. >> all right is there more clarification on this point?