a small portion of the individual market which is under our insurance projects so it is the pos and ppo portion and so it is about 46,000 members. and they were below that 80 percent, threshold and so they were given the refunds which were roughly, between 30 and 31 dollars. and those were mailed out for the august first, so there was not a finding for the large group or the small and there was a small finding for the individual. and any questions? >> any questions from commissioners? >> great. >> thank you. >> good afternoon, bob, from blue shield of california. in respect to the mlr, rebates, or requirement due to the aca of the minimum threshold of 85 percent, blue shield met, actually exceeded that threshold for the calendar year, 2013, for all segments applicable segments for the ruling. so, the filing on june first, is public filing can be found on hhs's website, and we will report that that was exceeded. >> great. thank you. >> any questions? >> no. >> thank you. >> appreciate it. >> and any public comment on this item? >> seeing none. next item. >> item 12, action item, vote on

ppos and open panel plans, on the other hand, may have lesser requirements because consumers do have an option to choose from any provider. one of the other debates at some point may end up revolving around this business of multitier plans where one of the plans has very small co-pays, one of the networks has very small co-pays, and a larger network is attached to that with higher co-pays and out-of-network benefits. the question might be do we look at these tears, how do we look at these tiers, should the smaller tier be regulated, and should it have to be a full network? typically, that tier level does not include specialists. all this is to get at my next point. many cases in the past -- excuse me, in many cases the passage of the aca has resulted in the accelerated use, focus on and narrowing of networks across the country. hearken back to my earlier point that more control or lower networks can lower costs for insurers. wider benefits under qhp, under aca have increased the cost of insurance. insurers, to keep insurance costs lower, look to network designing. we have re-examined

do you go out to ppos? do you go out to others, as well chlts we're having weekly calls. in fact, our next one is thursday, july 24:00th at 130 p.m. mark it on your calendars. be there. we've received comments from about 30 different i. groups so far. we're going to go and see where we need to update our model. this is always going to be our number one point. we don't want it one size fits all, federal government comes 234 and this is the time and distance for each type of provider. i don't know about you, but wyoming is just a tad different than los angeles. what are the standards? what about certain populations? as has been braugts up, we need to balance. there's no sense going here and saying we need to get rid of all of these. no narrow networks. we need to balance quality. we need to balance affordability. and then we need to balance access. how do you do that? how do you do that in a model and make sure everybody is protected is our number one concern. some of the key issues we're looking at. tiered networks and narrow networks. tooered are if you go to this group,

. >> the fox report is next. ppo. mmmm. these are good! the tasty side of fiber.greatest thing ever. one little smile. one little laugh. honey bunny... (laughter) we would do anything for her. my name is kim bryant and my husband and i made a will on legalzoom. it was really easy to do. (baby noise...laughter) we created legalzoom to help you take care of the ones you love. go to legalzoom.com today and complete your will in minutes. at legalzoom.com we put the law on your side. >>> i am julie bandaras. an american doctor who contacted the ebola virus is back in the u.s. dr. kent brantly is treated in a special isolation unit in atlanta. you can see him walking slowly on the right as he is carefully escorted in emory university hospital by a medical professional there. dr. brantly is one of the two people who contracted ebola.

it is a different animal than a ppo. whating and understanding is in your enrollment packets are you are not surprised, employers can put a lot of education when they put out these plans. what your opportunity is to put money in a savings account, employers are influencing incentives to engage employees and lifestyle management or health care management. there are ways to maximize your benefits by engaging in those incentives. there are any number of great decision support tools and resources that many companies offer that typically are underutilized because they're out of sight, out of mind. know what the programs are. offer through your employer or through your health plan or through third-party. be extremely valuable to an employee when they are faced with a medical issue, particularly some of the decision-support services, which are very helpful and play wonderful advocacy role. lots of information for employees to pay attention to. in addition to the fact that costs are going to be up over the next year, about 5% or

because it is a civilian formula that is designed for ppos and middle class people that can afford them. that is who uses the va. 5-7 things were wrong with the veterans coming into the va hospital and today among the yuck youngest vet it is 14 pres t presitations but this is on 1-4. it doesn't take a rocket science to figure you will use further and further behind if you estimate the needs with that. we need to go a better way of representing people. last thing i will comment on. people are saying where are we going to find the medical professionals. and the number of people inside have been woking on a program called grow our own. it is based off a medic program and not just former medics who become physician assistants but why not send them to school and they give back two years for every year they are in school. then you are growing your own. it is veterans who served and are committed to the system from the heart outward and we will have enough people for the future. so i commend that to the committee and that you can for the opportunity to appear here today and thank you for your

it is a civilian formula that is hmos.ed for ppos and that is not who uses the v.a..the average number of presentations at that time was 5-7 presentations. veterans would come into v.a. hospitals and, today, among the youngest veterans, it is 14 presentations. figures 1-3 presentations. it does not take a rocket scientist -- even i can figure out -- that you will fall further and further behind if you use this to estimate. we need to jump and go to a realistic funding based on the needs of the people in the area. the last thing i want to comment saying, when are we going to find the medical professionals. ,articularly within the af ge they have been working on a program called grow our own. -- why not send them to school? even if they are smart enough to go to medical school and they get back to years for every year they're in school. you are growing your own. you are committed to the system and it is from the heart outward. we will have enough people for the future. so, i commend that to the committee and i thank you for the opportunity to appear here today. thank yo