. >> shannon hof, united health care. i wanted to address the co-pay questions that came up at the last board meeting. before i start, in general, every renewal cycle you can choose to adjust benefits, either up or down. so i just wanted to make sure that you are aware of that. for the medicare advantage p.p.o. plan, the exercise we went through when we built that plan is to create actuary equivalent plan with the city plan. so when we did that, we looked at the benefits in question were acupuncture versus physical therapy. when we did that, we set the acupuncture member cost share at $15, which is the same as the specialist co-pay. when we looked at the physical therapy, the cost share in the city plan, the co-insurance, 15% co-insurance was actually more than the $15. so, that's why there was a cost share at 25. and then the third benefit that was questioned was urgent care. and in order to encourage people to use the appropriate level of care, we set the urgent care visit in between the specialist co-pay and the emerge