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That no lifetime limits are allowed under any plan thats licensed under the department of managed health care when it comes to any kind of gender reassignment benefits. So, the two plans we have that are administered through the department of managed health care blue shield and kaiser, this is a legislative change thats mandated. For the one plan that is not covered, it was the board decision to decide to make benefits equivalent across all of our products. So, the recommendation to the board is that we do maintain consistent benefits with our United Healthcare plan. And, again, this is just o...

It into our guides and its clear for our members going forward. It was actually a memo issued by the department of managed health care on april 9th of 2013 which essentially says that no lifetime limits are allowed under any plan thats licensed under the department of managed health care when it comes to any kind of gender reassignment benefits. So, the two plans we have that are administered through the department of managed health care blue shield and kaiser, this is a legislative change thats mandated. For the one plan that is not covered, it was the board decision to decide to make benefit...

Seem to be significant, especially by year 2015 where we go from 320 a month for employee only in 2014 to 925. If it was 9 to 10, but it goes from 4 in 2014 to 7. 79 in 2015 which is a massive rate increase. And what weve noticed over the years when i sat on the board was that there was significant migration from plan 1 as those rates were no longer subsidized. There was a time when this board subsidized those rates because it is, in fact, the plan that you own. And money in the trust fund was used because the trader gives the Health Service board money to go out and purchase plans. And if you...

Consultants do a review of any federal or state changes that need to be brought to [speaker not understood] on the rates and benefits and this was missed. So, we do have a process for it, we miss it had, and i think it wasnt until kaiser let us know this was occurring, really last week and saying this is now part of the rates benefits that we were alerted to the fact. I think its fair to say we should also be working as a doublecheck with our Health Care Benefits to make sure they arent aware of anything as well. Thank you. When did kaiser and blue shield remove it . The kaiser notice was it w...

Cant spend its time screening all of the stuff that comes from the department of managed care, but it seems like we had a hole here to get this done and id like to know how we plan to solve it. Thats a very good question. We did have one of our steps in preparing for the rates and benefits to have our consultants do a review of any federal or state changes that need to be brought to [speaker not understood] on the rates and benefits and this was missed. So, we do have a process for it, we miss it had, and i think it wasnt until kaiser let us know this was occurring, really last week and saying...