dr. michael bellman. he's the regional director for anthem blue cross of california. anthem, as you have heard, sa part of well point. he's been trained as an internist, specialized in pulmonary medicine. he's been with anthem since '96 and he's in a great position to discuss with us his role of insurers in reference pricing and their various partnerships. only made a couple of changes -- so, you'll be able to get the latest version. >> thank you. it's a pleasure to be here and thank you for coming. i want to start with a story relatively recently has become a big topic. it was much hidden. i'm giving some o o personal health information. i had cataract surgery four years ago and two years ago in los angeles and used for the first surgery our anthem, which provided the total cost of various procedures that was the total cost that would include the facility, the position, the anesthesiologist, whatever you need. for a cataract. and what i learned is that there was a wide variation in the cost. i live in west los angeles, where it's not only important to be healthy, you