1. JK Audit & Reimbursement Update April, 2016

2. Proprietary and Confidential Disclaimer National Government Services, Inc. has produced this material as an informational reference for providers furnishing services in our contract jurisdiction. National Government Services employees, agents, and staff make no representation, warranty, or guarantee that this compilation of Medicare information is error-free and will bear no responsibility or liability for the results or consequences of the use of this material. Although every reasonable effort has been made to assure the accuracy of the information within these pages at the time of publication, the Medicare Program is constantly changing, and it is the responsibility of each provider to remain abreast of the Medicare Program requirements. Any regulations, policies and/or guidelines cited in this publication are subject to change without further notice. Current Medicare regulations can be found on the Centers for Medicare & Medicaid Services (CMS) Web site at http://www.cms.gov.http://www.cms.gov

3. Proprietary and Confidential No Recording Attendees/providers are never permitted to record (tape record or any other method) our educational events –This applies to our Webinars, teleconferences, live events, and any other type of National Government Services educational event

4. Proprietary and Confidential Agenda Cost Report Filing PS&R Offsetting Guidelines Outlier Reconciliation Process Interim Rate Review Process IRIS National Database Project Audit Workload Common Audit Issues Wage Index – Select Audit Areas

5. Cost Report Filing 5

6. Proprietary and Confidential Filing Your Cost Report Refer to our Cost Report Submission Checklist on our web site − Go to www.ngsmedicare.com  select Part A line of business and your state  click on “Cost Reports” menu at top  link on right side of page to “Cost Report Submission Checklist”www.ngsmedicare.com Form CMS-339 is listed because some provider types still require a separate submission. It is built into the hospital cost report and not required to be separately filed. Must be postmarked by the due date (12/31/15 FYE cost reports are due 5/31/16) –CMS does not recognize metered postmarks –If you use a meter, we will use the receipt date for the postmark date Ensure accuracy of your subunits listed on Worksheet S-2 − We cannot alter your cost report − We will request you to re-submit if it does not match our STAR system 6

7. Proprietary and Confidential Filing Your Cost Report Please include a contact name and email address if we should have any questions Options: − Cost report S-2 Part 2 lines 41-43 − Cover letter or include Cost Report Submission Checklist − NGS Connex submission form has contact name and email We request that you don’t bind any hardcopy documentation that is mailed (we need to scan it for our electronic workpapers) Request copy of FISS PIP/Pass Thru report (summary of biweekly payments) from PS&R mailbox PSR@anthem.comPSR@anthem.com Any lump sum payments/recoupments must be tracked by providers (not available in report format from NGS) If you are claiming protested amounts, include an explanation. 7

8. Proprietary and Confidential NGS Connex Provider Portal Providers are encouraged to use the Web Portal to submit requested information to NGS. Create a user account and request a user ID by registering at www.NGSConnex.com www.NGSConnex.com Advantages of using Connex:  No need to encrypt PHI/PII.  Submission is instantaneous.  Connex maintains record of all submissions.  Save shipping time and cost.  More secure than shipping. The Connex web site has a link to “Quick Steps Job Aid” which is helpful for new users. 8

9. Proprietary and Confidential NGS Connex Provider Portal One common mistake is that users forget to hit “submit” after attaching the files to their submission. Look at the “My History” to confirm the submission. Also, the submitted should receive an automatic email confirmation. Worksheet S still requires original signature and must be mailed. Ideal submission: Everything through NGS Connex and the 1 sheet of paper (Wkst S with original signature) through the mail. Whatever makes the submission complete constitutes the receipt, i.e. if the files are uploaded through NGS Connex on 5/27/16 and the Wkst S is mailed on 5/31/16, the postmark date is considered 5/31/16 and the receipt date will be whenever that Wkst S is received in our office. 9

10. Proprietary and Confidential Filing Your Cost Report Cost Reports should be mailed to: National Government Services, Inc. Audit and Reimbursement Cost Report Processing Unit P.O. Box 4900 Syracuse, New York 13221-4900 Overnight courier address: National Government Services, Inc. Audit and Reimbursement Cost Report Processing Unit 5000 Brittonfield Parkway, Suite 100 East Syracuse, New York 13057 10

11. Proprietary and Confidential Filing Your Cost Report Email your passwords for encrypted electronic files to both: Deb Thomsen Deborah.Thomsen@anthem.com AND Christine Chamberlain Christine.Chamberlain@anthem.com 11

12. Proprietary and Confidential Overpayment Check If your cost report indicates a net payment due to Medicare, a check must be mailed to the lockbox when the cost report is filed Do not include HITECH when determining net payment due to/from Please include a copy of your Worksheet S settlement summary with your check to insure proper processing. Do not send original signature Worksheet S to the lockbox Extended Repayment arrangements should be made for an acceptable payback schedule, prior to submission. o Call Customer Care at 1-888-855-4356. o NGS web site information on ERS: www.ngsmedicare.com, click on Overpayment from top menu bar, click on “Apply for an Extended Repayment Schedule”www.ngsmedicare.com Include a copy of the check with the cost report submission. 12

13. Proprietary and Confidential Overpayment Check Checks are to be made payable to National Government Services, Inc. and should be forwarded for New York and Connecticut providers to the following address: Regular Mail:Express / Overnight Mail: National Government Services, Inc.U.S. Bank 13001 Part A Non-MSPAttn: Lockbox #809366 P.O. Box 8093665300 South Cicero Ave Chicago, IL 60680-9366Chicago, IL 60638 13

14. PS&R 14

15. Proprietary and Confidential EIDM Recertification Recertification by security officials due by 3/15/16 If not completed by security official, user will need to re-request access to EIDM News article posted on NGS website on 3/4/16 Contact EUS (External User Services) Monday-Friday; 7:00 a.m.-7:00 p.m. ET Phone: 866-484-8049 TTY/TDD: 866-523-4759 Email: eussupport@cgi.comeussupport@cgi.com Website: https://eus.custhelp.comhttps://eus.custhelp.com

16. Proprietary and Confidential PS&R Detail Requests You are allowed one PS&R detail request aligning with your current cost report year at no charge. We provide this to assist with cost report preparation. Any non-aligning or additional requests require the PS&R Detail Request Form and payment of $200.00 per request/year. ‏

17. Proprietary and Confidential PS&R Detail Requests You can download the request form from our website: NGSMedicare.com Select Part A and your state Provider Resources in top menu bar Select Forms Click on “Cost Reports” section of Forms Provider Request for PS&R Form ‏

18. Proprietary and Confidential

19. PS&R Detail Requests Mail the form and check in per the instructions on the request form. To expedite the processing of your request, email a copy of the form and check to the PS&R mailbox PSR@anthem.com. Ensure you enter your request into the PS&R online system for the same period as indicated on your request form. Once we confirm payment, we will simply approve the request in the PS&R online system. Legacy PS&R requests for dates prior to 2009 do not require entry into Redesign.

20. Offsetting Guidelines 20

21. Proprietary and Confidential Offsetting Guidelines For each overpayment letter for which a provider owes Medicare money, NGS includes a pink piece of paper which describes the offsetting guidelines from the Overpayment Recovery Unit. CMS regulations require NGS to begin offsetting against Medicare payments on the 16th day following the date of the demand letter. The pink insert details What to do when you are sending a check close to the 16 th day from the date of the letter How to request immediate recoupment from Medicare payments How to request an Extended Repayment Schedule

22. Proprietary and Confidential Offsetting Guidelines NGS requires a three day processing time after receipt of the check in the bank lockbox. If there is any doubt whether your check will be processed in time, you may fax a copy of your check as well as the 1 st page of the Demand Letter to 315-442-4140. On the fax cover sheet, please identify in the comments section “Request for extension of offset.” The NGS Overpayment Recovery Unit will mark the debt to delay the offsetting process until the check can be processed. Not following this process may result in a recoupment from Medicare payments even though you have sent a check. Refunds are processed if there are no other outstanding receivables

23. Outlier Reconciliation Process 23

24. Proprietary and Confidential Background The actual instructions for each PPS are in the appropriate section of the Medicare Claims Processing Manual (Pub. 100-04) which can be found in the following sections:  IPPS- Chapter 3, Section 20.1.2 - 20.1.2.7  IRF PPS- Chapter 3, Section 140.2.4.4 and 140.2.6 - 140.2.10  LTCH PPS- Chapter 3, Section 150.24 - 150.28  IPF PPS- Chapter 3, Section 190.7.2 – 190.7.2.5  OPPS- Chapter 4, Section 10.7.2 – 10.7.2.1 and 10.7.2.3 – 10.7.2.4 24

25. Proprietary and Confidential Criteria Referral made to CMS if criteria is met for outlier reconciliation: Actual operating or capital CCRs are found to be plus or minus 10 percentage points from the CCRs used during that time period to make outlier payments, and Total outlier payments in that cost reporting period exceed $500,000. –No dollar threshold for CMHC Cost report goes on hold until CMS approves the outlier reconciliation. 25

26. Proprietary and Confidential Outlier Reconciliation Approval received from CMS notifying NGS to proceed with outlier reconciliation NGS send letter to provider notifying them that the outlier reconciliation is in process NGS checks if there are any pending claims for the cost reporting period (should be none in order to proceed) NGS updates provider specific file to the CCRs calculated after desk review adjustments applied NGS requests lump sum utility to be run at the data center 26

27. Proprietary and Confidential Outlier Reconciliation NGS receives output from data center NGS reconciles outlier payments to PS&R Time Value Money is calculated based on the differences identified in the lump sum utility output The provider specific file records are restored to the CCR values prior to when the outlier reconciliation process began NGS Audit team applies the adjustments to the cost report Adjustments are sent to the provider to review Proceed with NPR 27

28. Interim Rate Review Process 28

29. Proprietary and Confidential Interim Rate Review Process The Medicare regulations require that interim payments be reviewed to ensure that they approximate reimbursement and to protect the program from loss due to overpayments All PPS providers may receive additional payments for items reimbursable on a reasonable cost basis (pass thru payments) and, as applicable, for the adjustment of the indirect cost of medical education ( CMS Pub 15-1, §2405.2 and §2405.3.) 29

30. Proprietary and Confidential Interim Rate Review Process - PIP Providers that meet the requirements in regulations at 42 CFR 413.64 and in CMS Pub 15-1 §2407 may elect to receive interim payments for inpatient operating costs under PIP (Periodic Interim Payments) in equal biweekly amounts. Approval of this election is at the discretion of the MAC and must be specifically requested by the provider, including those providers on PIP prior to becoming subject to PPS. 30

31. Proprietary and Confidential Interim Rate Review Process - PIP Once PIP is granted by the MAC, it may continue to be used only where the MAC is assured that the provider continues to meet requirements necessary to remain on PIP (e.g., timely and accurate submission of information requested by the MAC) and that proper payments are being made under this method. 31

32. Proprietary and Confidential Interim Rate Review Process - PIP PIP requirements: Timely submission of data includes submission of a bill within 30 days of discharge of a Medicare patient The MAC will monitor providers on PIP for timely submission of bills and timely and accurate submission of interim financial data To remain on PIP, providers must submit 85 percent of their bills timely and accurately. Timely and accurately means that 85 percent of its bills are submitted within 30 days of discharge and pass front-end edits for consistency and completeness. A bill is not considered received unless it can pass MAC edits. 32

33. Proprietary and Confidential Interim Rate Review Process - PIP In the event a provider fails to meet the requirements to stay on PIP The MAC will request the provider to submit a corrective action plan detailing what steps the facility is taking to come into compliance with the requirements. The MAC will continue to monitor the provider to ensure the timeliness increases over the next quarter. The MAC may make a recommendation to the CMS RO to remove the provider from PIP if either the provider does not submit a corrective action plan or continues to fall below the 85% timeliness 33

34. Proprietary and Confidential Interim Rate Review Process - PIP Providers may opt out of PIP at anytime In the event a provider is removed from PIP because of the inability to meet the necessary requirements, interim payments will be converted to a per claim basis. If the provider changes MAC or is terminated from the Medicare Program, then all interim payments will be discontinued effective with thru dates of service corresponding to the date of change or termination. 34

35. Proprietary and Confidential Interim Rate Review Process If material, payment for items reimbursable on a reasonable cost basis are made on a bi-weekly interim basis subject to retrospective adjustment based on a submitted cost report: Direct Medical Education/Allied Health Education Costs Kidney Acquisition costs for providers approved Costs for anesthesia services provided in a provider by qualified non- physician anesthetists (certified registered nurse anesthetists and anesthesiology assistants) employed by the provider, effective for cost reporting periods beginning on or after October 1, 1984 and before October 1, 1987 Part A Bad Debts for uncollectible deductibles and coinsurance Part B Bad Debts for uncollectible Deductibles and Coinsurance, Part B Direct Medical Education costs, Part B Allied Health Education costs, and Part B Kidney Acquisition costs (Return on Equity) 35

36. Proprietary and Confidential Interim Rate Review Process - Frequency ‏PPS Hospitals on PIP, with GME and/or Paramedical Education 2 (JK MAC completes 4) ‏PPS Hospitals not on PIP, no GME or Paramedical Education1 ‏IPF and IRF Hospital/units on PIP or having pass thru costs2 ‏Critical Access Hospitals on PIP4 ‏Critical Access Hospitals not on PIP2 ‏Swing Beds attached to Critical Access Hospitals2 ‏SNFs on PIP or having pass thru costs (#) 2 ‏Rural Health Clinics2 ‏FQHCs (for cost report begin dates on/after 1/1/16)1 ‏Long Term Care Hospitals on PIP or having pass thru costs2 ‏Children’s Hospital on PIP4 ‏Children’s Hospital not on PIP2 ‏Cancer Hospitals on PIP4 ‏Cancer Hospitals not on PIP2 ‏Hospices on PIP4 36

37. Proprietary and Confidential Interim Rate Review Process - Frequency For providers who require 2 rate reviews to be completed each year, generally reviewed: At the beginning of the cost reporting period In conjunction with the providers tentative settlement For providers who require 4 rate reviews to be completed each year, generally reviewed At the beginning of the cost reporting period Within the second quarter of the cost reporting period In conjunction with the providers tentative settlement Within the fourth quarter of the cost reporting period 37

38. Proprietary and Confidential Interim Rate Review Process - Payment Interim Payments for costs will be determined for PIP and non-PIP providers by estimating the reimbursable amount for the year using Medicare principles of cost reimbursement. The total number of annual payments must equal 26.1 The first bi-weekly payment for the cost report period will be paid after the first 2 weeks of the cost report period The biweekly payment amounts should be recorded as a whole number, except the first/last payment of a fiscal year, which may be a decimal CMS has clarified Publication 100-06, Chapter 3, Section 60 stating that Medicare Administrative Contractors cannot issue lump sum settlements after the end of a provider’s fiscal year end 38

39. National IRIS Database Project 39

40. Proprietary and Confidential IRIS In response to OIG recommendations, CMS will develop a national IRIS database CMS contracted with CGI Federal to develop the system Will be used to address overlapping rotations as well as to enhance cost report verification capabilities MACs and Software Vendors assisted in a consulting role with the development of this system Project began in 2015 and is ongoing Update as of March 31 st – NGS projects that CMS will release policy changes on the use of IRIS within the FY 17 IPPS proposed and final rule.

41. Proprietary and Confidential IRIS Anticipate CMS publishing a revised IRIS instruction manual and edit specifications Once the system goes live: IRIS files will be uploaded to the database as part of the cost report acceptance process. Will be subjected to new database edits that will replace IRISFIV3 edit specifications Current projection is to implement new edits with the FYE 6/30/16 cost report/IRIS submissions Similar to current process, failure for provider to clear system edits would result in rejection of cost reports Providers should expect new edits to include enforcement of FTEs calculated from IRIS to agree to the cost report Database will be loaded with historical IRIS files and used for cost report auditing IRIS Vendors working with CGI to match programming specifications.

42. Proprietary and Confidential IRIS IRIS file naming scheme Please submit IRIS files beginning with the 12/31/15 submissions in the following file naming scheme, this a courtesy request, it is not a filing requirement but may be for future IRIS/cost report submissions M######_YYYY-MM-DD.dbf A######_YYYY-MM-DD.dbf –###### = Medicare provider number –YYYY-MM-DD = IRIS/Cost Report FYE in this format (with all parts including leading zeros) –Free form text is allowed after the FYE, in order to indicate amended submissions or any other such annotations –Example 1 – provider # 01-2345 FYE 6/30/2015 initial IRIS/cost report submission »M012345_2015-06-30.dbf »A012345_2015-06-30.dbt –Example 2 – provider # 01-2345 FYE 6/30/2015 1 st amended IRIS/cost report submission »M012345_2015-06-30 Amended 1.dbf »A012345_2015-06-30 Amended 1.dbf

43. Proprietary and Confidential IRIS Next Phase (Efforts just beginning) Redesign IRIS file type.dbf file to XML+XDS file format Redesign format to match cost reporting requirements i.e. Add IPF, IRF sections, etc., etc., etc….

44. Jurisdiction K Audit Workload

45. Proprietary and Confidential JK Audit Workload Option Year 3 - 3/1/2016 to 2/28/2017 Approximate JK inventory (NY, CT, ME, MA, NH, VT, RI)  430 Hospitals  2,600 Other than hospitals (i.e. freestanding: SNF, HHA, ESRD, CORF, Home Office, etc.) Medicare cost report audit Workload  Desk reviews/Audits (FY 14 cost reports for cases that are not backlogged)  HITECH Audits (FY 14 cost reports)  Final Settlements (including cases put on hold: FY 12 SSI, FY 13 SSI, FY 05 SSI, FY 04 and prior SSI pending CMS, outlier reconciliation, etc.)  Wage Index desk reviews – Finalizing FY 13 cost reports and beginning FY 14 cost reports in September  Re-openings/Appeals  Medicare Secondary Payer audits (20 NY hospitals) 45

46. Proprietary and Confidential JK Audit Workload Current plan of Subcontractors for OY3 Kujawa & Batteau, PC (CPA) HITECH Cost Report Audits Figliozzi & Company (CPA) Cost Report Audits Systematic Medical Billing MSP Audits 46

47. Common Audit Issues

48. Proprietary and Confidential Common Audit Issues Medicare Cost Report common areas of review/adjustment: Bad Debts Incomplete Listings, Missing Data Missing remits/UBs/patient account histories Incomplete Charity/Free care applications Delays in billing patients Return from Collection Agency Collection Activity after the date deemed uncollectible Professional Fees claimed 48

49. Proprietary and Confidential Common Audit Issues Medicare Cost Report common areas of review/adjustment (cont.): DSH Non-allowable codes Medicare Part C days included Duplicate claims IME/GME Displaced residents PPS hospital rotates a resident to a CAH, it cannot claim the rotation –Does not qualify as a “offsite” or “non-hospital” rotation Incorrect weighting based on Initial Residency Period –Large gaps in time from graduation to identified PGY (program year) –Time spent in program that does not lead to certification is counted toward the IRP limitation 49

50. Proprietary and Confidential Common Audit Issues Medicare Cost Report common areas of review/adjustment (cont.): Cost Areas Matching of costs and charges Improper cost allocation methodologies to allocate indirect costs Reporting Physician Time on w/s A-8-2 (and S-3 Part II) for time splits Allocation of Home Office costs via A-8-1 (includes S-3 Part II) HITECH Charity Care Charges and Policy HITECH Assets and Depreciation (CAHs) 50

51. Wage Index – Select Audit Areas

52. Proprietary and Confidential Wage Index Malpractice Insurance –Source if reviewed – Insurance policy which lists out the physicians' names specifically –9/1/1994 Pg.45358 To clarify the allowability of malpractice insurance costs for purposes of the wage index, only those policies that list actual names or specific titles (for example, President of the hospital) of covered employees may be included in the wage index. General malpractice liability coverage maintained by hospitals is not recognized as a wage-related cost for purposes of the wage index. We note that effective with cost reporting periods beginning on or after October 1, 1994, malpractice insurance costs related to salaried physicians should be separately reported since physicians' salary costs may be excluded from the wage index in FY 1999. 52

53. Proprietary and Confidential Wage Index Wage Related Costs –Summary documentation needed to identify allocation methodology from S-3 Pt. IV to S-3 Pt. II lines 17-25 –S-3 Part IV should tie to S-3 part II lines 17-25 in total –Allocation methodology must be appropriate for each type of wage related costs Most are to be allocated on basis of salaries Hours is appropriate for Medical, Dental, Day Care and Tuition 53

54. Proprietary and Confidential Wage Index Column 2 – Salaries –Direct salaries including paid vacation, holiday, sick leave, other paid-time- off (PTO), severance pay, and bonus pay –Paid vacation, holiday, sick leave, other PTO, severance pay, and bonus pay must be reported in the same cost center as the related direct salaries and wages. Do not report the direct salaries and wages of an employee in one cost center and report the employee’s paid vacation or bonus pay in a different cost center 54

55. Proprietary and Confidential Wage Index Column 2 – Salaries –All salaries must have corresponding hours, except bonus pay –Source for salaries is the trial balance (per CR instructions) –Capital related salaries, hours and wage related costs not allowable 55

56. Proprietary and Confidential Wage Index Column 5 – Hours –Paid hours include regular hours (including paid lunch hours), overtime hours, paid holiday, vacation and sick leave hours, paid time-off hours, and hours associated with severance pay –Source documentation for hours is the payroll reports –Must be actual paid hours. Backing in to hours, prorating or estimates not allowable 56

57. Proprietary and Confidential Wage Index Contract labor –Ensure dollars are for actual time working (i.e., cost of supplies, travel, meals are not allowable) –Support for hours must come from the vendor, if not clear in the invoice, vendor must supply other evidence to support actual hours working at the hospital –Backing in to hours, prorating or estimates not allowable 57

58. Proprietary and Confidential Wage Index Contract labor –Summary documentation: Spreadsheet identifying vendor, type of service, invoice #, TB account, W/S A cost center, dollars and hours –Source documentation: Contract Invoices Trial Balance 58

59. Proprietary and Confidential Wage Index Contract Labor - Line 11 –Services pertaining to direct patient care furnished under contract rather than by employee –No part B services Contract Labor – Line 12 –Contracted top level management Example – CFO, CEO, COO, Dept. directors, Administrators 59

60. Proprietary and Confidential Wage Index Contract Labor – Line 13 –Physicians - Part A services, excluding teaching time. Summary documentation: –spreadsheet breaking out salaried and contracted physicians, split between Part A, B & Supervision –This should identify trial balance account # for each physician and W/S A cost center Source documentation: –Salary – Contracts and Invoices –Hours - Part A, B & Supervision split is based on time studies »Adequate study required based on current year analysis (Refer to CMS 15-1 Section 2313.2 E) 60

61. Proprietary and Confidential Wage Index Pension Reviews – Defined Benefit Plan –Plans which meet the applicable requirements for a qualified pension plan under Section 401(a) of the Internal Revenue Code. –Union, State/Local, and Multi-facility plans which are Defined Benefit Plans are included in the three year average calculation For plans involving multiple entities, a worksheet must be submitted to support how the contributions are allocated to each entity including the hospital cost report under review. 61

62. Proprietary and Confidential Wage Index Pension Reviews – Defined Benefit Plan (Cont.) –Starting in FY 2017, the 3-year average is based on pension contributions made during the base cost reporting period plus the prior 2 cost reporting periods For a short CRP, use contributions from a 36 month period beginning at the end of current cost report period. 62

63. Proprietary and Confidential Wage Index Submission of source documentation for contributions reported on CMS worksheet Examples of acceptable documentation: Pension trust or insurance statements, or Schedule SB of IRS Form 5500 Other required documentation –CPA Financial Statements –Trial Balance and/or WS A grouping sheet 63

64. Proprietary and Confidential Wage Index Pension Audit Common Issues –Incomplete information to identify how to report on cost report –Summary documentation needed to reconcile the DBP from the CMS worksheet to S- 3 Pt. II. –Reconciliation should include: Breakout of each deferred compensation type (i.e. 401K, each individual defined contribution plan, each individual defined benefit plan) List the dollars and source (aka TB acct, CMS template) Trace to S-3 Pt. IV Wage Related Costs Provide dollar allocation and formula from S-3 Pt. IV to S-3 Pt. II lines 17 to 25 64

65. Proprietary and Confidential Questions

66. Proprietary and Confidential Audit & Reimbursement Contacts ‏Gene Nickersongene.nickerson@anthem.com207-253-3325gene.nickerson@anthem.com ‏Sandra O’Connorsandra.o’connor@anthem.com315-442-4986sandra.o’connor@anthem.com ‏Kathy Haleskathy.hales@anthem.com 317-841-4585kathy.hales@anthem.com ‏Kyle Browningkyle.browning@anthem.com618-731-1655kyle.browning@anthem.com ‏Kevin Gloriosokevin.glorioso@anthem.com315-442-4046kevin.glorioso@anthem.com ‏Justin Clarkjustin.clark@anthem.com603-222-7532justin.clark@anthem.com ‏Randy Baileyrandy.bailey@anthem.com618-204-5825randy.bailey@anthem.com ‏Christine Chamberlainchristine.chamberlain@anthem.com315-442-4039christine.chamberlain@anthem.com ‏Chuck Cotecharles.cote@anthem.com207-253-3308charles.cote@anthem.com ‏Ray Powelsonray.powelson@anthem.com603-222-7550ray.powelson@anthem.com ‏Lynn Wattslynn.watts@anthem.com765-620-8513lynn.watts@anthem.com ‏Kelly Fosterkelly.foster@anthem.com315-442-4045kelly.foster@anthem.com ‏