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I think we would have to think about, you know, how the interoperability, the Data Integration and how that would work under the various models. I think that would be different under the hmo plans today versus the ppo plans. Page 30, the consolidated scenarios, this is where we would consolidate down to three plans. At open enrollment you would have choice of kaiser, and hmo potentially in this model and a ppo plan. However, the difference here is the hmo and the ppo plan would be provided by a single carrier. A carrier or insurer, or health plan, so at night, cigna, blue shield, United Healthcare would have both of these plans. They would manage both of these plans. Does that make sense . You are saying one of the Healthcare Providers would be providing us with an hmo . Correct. Today we have that split by he ....

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