on pages 5 and 6, we have listed out information that each of the plans have provided us so the uhc city plan for non-medicare active employee and members for the ppo medicare advantage ppo for the blue shield access and trail plans and the kaiser plans that cover the non-medicare population and the medicare plan. you will see that on pages 5 and 6. rather than me readings through the tables, what i would like to do on page 7 is ask for comments from each health plan to comment to allow members to seek expert opinions. we also have fliers illustrate these for members. i did this alphabetically. i will ask a representative from california to discuss their approach to expert medical opinions within the plan. >> . >> good afternoon. paul brown, director of account management for blue shield of california. i want to say first that all of our members are always entitled to a second opinion for any course of treatment or surgical proceed ush. any member with any question about a diagnosis they receive or they believe that they just need additional information regarding any condition this they

what passes through to hsf versus what is kept by the uhc for the city plan. >> just to clarify. i think part of the confusion is that there are independent pharmacy benefit manager companies that insurance plans contract with. i mean you see them advertised. they may not be doing the pharmacy benefit management in house but they may be doing it with another player, another party. i guess the question is for hsf blue shield of you california and kaiser do they manage their own pbms or contract with a third party to do that? >> so my understanding and if i speak incorrectly i ask healthcare representatives to correct me. kaiser is all in house with blue shield. they are contracted with cvs health where blue shield manages the programs, formula, but the purchasing is based on cvs because of the leverage cvs health brings nationally and united healthcare similar arrangement with rx who is part of the broader health group organization. >> part of the concern of the hearings is what we have read about before. cvs and others may or may not have ordeals with pharmacy manufacturers to ac