We appreciate that Senator Ricketts has cosponsored this important legislation.

You can't go back to the Medicare supplement plans.

Yes. Somebody said back to you, 'We have 10 days to make that decision.' Where do they get that 10 days?

You can't go back to the Medicare supplement plans.

I think there is a common thing in marketing that you have to get a message out seven times before people start remembering it.

Again, you talked about some of the difficulty if you have a preexisting condition, about being able to switch plans.

Would you say that the complexity of the system is disadvantaging people on lower incomes?

Jana and Kierstin, you obviously deal with a lot of folks.

I do think that we need to have more official information coming from CMS.

We need to reevaluate the rules on this program... that is a really bad place for our consumers to be.

Would you say then your evaluation of this, your assessment is we actually have not met that goal, that we are not being as preventative and we are not actually saving costs in this program?

I don't think it was the goal that we were going to have 50 percent of people on these plans.

That all requires preauthorization, so there could be delays with regard to that?

Great. I also want to get back to something that both of you talked about with regard to the Medicare Advantage plans and this delay.

Is that written in the rules, though, that two-week timeframe?

A thousand dollars a day.

Is that with traditional Medicare? Is that less of a problem?

It is, again, confusing, especially as you just said, you can do the Medicare Advantage online but then if you are doing the Medicare supplement you have to call to talk to somebody.