GCSE Eduqas Sample exam questions Photosynthesis Understanding how to approach exam questions helps to boost exam performance Question types will include multiple choice one to four mark and structured Biology Single Science Photosynthesis Revise 1 2 3 Sixmark questions Sixmark questions are often the questions that people find the most difficult In all longer answer questions but especially the sixmark ones it is important that you plan your answer and not just rush into it After all you would plan an essay or short story before starting Without a plan it is easy to stray away from the key point and loose marks get steps in a process in the wrong order or forget key bits of information Remember to write your answer in full sentences not bullet points Sixmark questions will start with command words such as describe evaluate or explain Some command words are easy to understand such as calculate or determine for maths questions choose for multiple choice questions complete to fill in a gap in a table or graph define to give the meaning of an important word suggest where you use your knowledge in an unfamiliar situation The command words describe and explain can be confusing If you are asked to describe a graph you will be expected to write about its overall shape whether it is linear or curved the slope of gradients etc If you are asked to explain why a pattern or trend is seen in a graph you will be expected to use your science knowledge not just say what you see which is a description eg The graph shows the pH of milk decreases It does this because Explain how and why questions often have the word because in their answer Describe questions dont The number of marks per question part is given in this form 6 marks It is essential that you give as many different points in your answer as possible ideally six The examiner looks for a level of response in sixmark questions If you list some simple statements without a logical structure you will be limited to a maximum of two marks A better answer for four marks would demonstrate your understanding but may miss some details Only answers that have a logical sequence with relevant detail would achieve six marks Sample question Foundation Question Describe the method involved in testing a leaf for the presence of starch Each of the stages involved in the method should be described in sequence and the reason for carrying out each stage should be included Your description must include reference to the colour changes shown by the leaf and what these changes indicate 6 mark Reveal answer 1 2 3 GCSE Subjects Architecture Art and Design Biology Single Science Business Chemistry Single Science Combined Science Computer Science Design and Technology Digital Technology CCEA Drama Electronics Engineering English Language English Literature Food Technology French Geography German Graphics History Home Economics Food and Nutrition CCEA ICT Irish Learners CCEA Journalism CCEA Learning for Life and Work CCEA Mandarin Maths Maths Numeracy WJEC Media Studies Modern Foreign Languages Moving Image Arts CCEA Music Physical Education Physics Single Science Product Design PSHE and Citizenship Religious Studies Resistant Materials Science Sociology Spanish Systems and Control Textiles Welsh Second Language WJEC

O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Coast fashion retailer collapses putting 300 jobs at risk 11 October 2018 Coast Womens fashion retailer Coast has gone into administration putting 300 jobs at risk in a sign of continuing pain on the High Street The collapse means the immediate closure of its 24 stores at locations including Oxford Street in London Karen Millen has bought some parts of Coast whose website and department store concessions will keep trading About 600 staff will transfer to Karen Millen but the remaining 300 workers now face an uncertain future Coast was owned by Aurora Fashions which also owns retailers Oasis and Warehouse Aurora is controlled by Icelandic bank Kaupthing which also owns Karen Millen The retailer had numerous concessions in House of Fraser and was owed millions after the department store chain itself collapsed earlier this year French Connection says it could be sold Ashley sacks House of Fraser management Mike Denny joint administrator and PwC director said Coast had been facing financial difficulties due to its concessions business as well as structural challenges in the retail sector and lower demand for occasion wear This sale puts the ongoing business on a firmer financial footing Karen Millen will be working with the existing management team to continue to grow and develop the new business he said Regrettably other parts of the business including 24 retail stores were not included in the transaction We will make every effort to help those employees in parts of the business that were not included in the sale and will support those affected at this difficult time by liaising with the Redundancy Payments Service and Job Centre Plus Muchloved brand Karen Millen said it was confident of being able to boost sales of Coasts premium womenswear ranges Beth Butterwick its chief executive said With its beautiful fabrics stunning colours and signature designs Coast is a muchloved fashion brand that has dressed women for all occasions since 1996 Our expertise and infrastructure puts us in a unique position to create a lean and profitable business ensuring it remains a thriving destination in department stores and online Coasts concessions in department stores including Debenhams and John Lewis will continue to trade and gift vouchers will be honoured online Uncollected click and collect orders will be refunded in due course The collapse of another retailer follows the demise this year of chains including Maplin and Toys R Us New Look Homebase and casual dining chains have also had to close dozens of outlets in a bid to remain profitable This week the owner of the Patisserie Valerie cafe chain said it needed an an immediate injection of capital to continue trading in its current form The company said it had uncovered significant and potentially fraudulent accounting irregularities

B I O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Censorship Posted at 1211 Iran TV boss sacked over Chan sex scene A regional channel showed Jackie Chans Shinjuku Incident without censoring an immoral part Posted at 2353 23 Dec A guide to the most Googled show on Earth A Chinese drama is the mostsearched show despite Google being largely blocked in China Posted at 1437 18 Dec Googles Dragonfly project in trouble Getty Images According to The Intercepts latest report on Googles controversial Dragonfly project it looks like some internal squabbling might bring work on the censored search engine to an end Googles allimportant privacy team were kept in the dark it seems about the use of a a local search engine in China to harvest data The local search engine was being used to help make Dragonfly pretty much fall in line with Beijings strict rules around censorship The incident represents a major blow to top Google executives including CEO Sundar Pichai who have over the last two years made the China project one of their main priorities The Intercept reported on Tuesday Its not the first road block Dragonflys development has faced Earlier this year some 1400 Google employees signed a letter asking for more details about the project and expressing concern that Google was developing a tool that would help promote or at least support censorship in China Posted at 1240 12 Dec Comedian refused to sign safe space contract Konstantin Kisin turned down the gig saying the behavioural agreement form nearly made him puke Posted at 002 8 Dec Why are Russian rappers getting arrested Russia Why some of its biggest musicians were arrested Stars such as IC3PEAK have had concerts cancelled without clear reasons They say its a covert cultural war against Russian youth Posted at 1443 5 Dec Cubans get access to 3G mobile internet The state is offering its citizens mobile data contracts but many will not be able to afford them Posted at 016 2 Dec A wave of killings that shook a nation Sarah Fowler BBC News How the brutal killing of an elderly couple in Iran 20 years ago exposed a series of murders spanning a decade Posted at 1650 27 Nov Google urged to drop Dragonfly project Staff sign an open letter saying Googles work on a censored search engine would aid repression in China Posted at 1242 7 Nov Russian director goes on trial for fraud Director Kirill Serebrennikov goes on trial in a case supporters say is designed to silence artists Posted at 007 3 Nov Rightwingers hound out Gandhi biographer Soutik Biswas India correspondent Eminent historian Ramachandra Guha was forced to leave a new teaching position by the Hindu right Show more updates

B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


The BCGA does not support endorse or favour any specific flying schools This directory is designed to be a starting point for those looking for a flight school Only you the student can decide which school is right for you and this resource will aid you in making the necessary contacts to make that decision Find your training unit per region Training Authorities Legend PPL Private Pilot License CPL Commercial Pilot License RPP Recreational Pilot Permit UPP Ultralight Pilot Permit NR Night Rating IR Instrument Rating ACRO Aerobatic Rating TDC Tail Dragger Checkout SR Seaplane Rating ME Multi Engine Rating VFR OTT VFR overthetop CFI Flight Instructor Rating AIT Ab Initio Training Training Advice From BCGA Members TC Guide to Selecting a Flight School ADD FLIGHT TRAINING UNIT OR INSTRUCTOR HERE Lower Mainland Vancouver Island Thompson Okanagan Kootenay Northern BC Abbotsford CYXX BRITISH COLUMBIA HELICOPTERS LTD Helicopter PPL CPL CFI VFR OTT NR PRINCIPAL AIR LTD Aeroplane PPL CPL RPP CFI VFR OTT NR COASTAL PACIFIC AVIATION LTD Aeroplane PPL CPL ME IR SR RPP CFI VFR OTT NR CHINOOK HELICOPTERS LTD Helicopter Aeroplane PPL CPL ME IR CFI VFR OTT NR Boundary Bay CZBB SEA LAND AIR FLIGHT CENTRE Aeroplane PPL CPL ME IR RPP CFI VFR OTT NR PACIFIC FLYING CLUB Aeroplane PPL CPL ME IR RPP CFI VFR OTT NR INTERNATIONAL FLIGHT CENTRE INC Aeroplane PPL CPL IR RPP CFI VFR OTT NR CANADIAN FLIGHT CENTRE INC Aeroplane PPL CPL ACRO TDC ME IR RPP CFI VFR OTT NR PACIFIC PROFESSIONAL FLIGHT CENTRE LTD Aeroplane PPL CPL ME IR RPP CFI VFR OTT NR Chilliwack CYCW BLUE BIRD FLIGHT ACADEMY INC Aeroplane PPL CPL ME CFI RPP VFR OTT NR Hope CYHE VANCOUVER SOARING ASSOCIATIONHOPE GLIDING CENTRE Glider King George Airpark CSK8 KING GEORGE AVIATION LTD UltraLight UPP OPEN SKIES AVIATION LTD UltraLight UPP Langley CYNJ AAA AVIATION LTD Aeroplane PPL CPL RPP NR SKYQUEST AVIATION LTD Aeroplane PPL CPL ME IR RPP CFI VFR OTT NR LANGLEY FLYING SCHOOL INC Aeroplane PPL CPL ME IR RPP CFI VFR OTT NR HELICOLLEGE CANADA TRAINING INC Helicopter PPL CPL IR CFI NR HARTS AVIATION UltraLight UPP Pitt Meadows CYPK MONTAIR AVIATION INC Aeroplane PPL CPL ME IR RPP CFI VFR OTT NR CLASSIC AVIATION LTD Aeroplane PPL CPL IR RPP CFI VFR OTT NR ISLAND COASTAL AVIATION INC Aeroplane PPL CPL CFI SR RPP IR VFR OTT NR PACIFIC RIM AVIATION ACADEMY INC Aeroplane PPL CPL IR RPP CFI VFR OTT NR Squamish CYSE GLACIER AIR Aeroplane PPL CPL ACRO TDC IR RPP CFI VFR OTT NR SEA TO SKY AIR LTD Aeroplane PPL CPL RPP VFR OTT NR Freelance Flight Instructors JAMES DOUGLAS FLIGHT TRAINING New Westminster UltraLight PPL CPL Call 6045265705 JB LEVEQUE CYPK CYNJ CYXX CZBB Aeroplane PPL CPL ME IR RPP VFR OTT NR TDC Call 6047837901 JUSTIN MILLER CZBB CYXX CYNJ CYPK CYYJ Aeroplane PPL CPL ME IR RPP TDC CFI VFR OTT NR Call 6043126514 MANSOOR KHAWAJA FAA Pilot Certificate Flight Review Alberta CARDINAL AVIATION LTD CYPK CYNJ CZBB Aeroplane IFR ME CRM IPC PREP COACHING ADVANCED SYSTEMS MANAGEMENT

B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Careers Putting people first Launch your career at a Top Workplace As an employer BCU models the dynamic assets of a top workplace including confidence in company leadership competitive compensation and benefits employee development workplace flexibility and a passionate employee culture supporting a unified vision At BCU youll have a career in a growing organization and an environment that supports your professional and personal growth For these reasons BCU has been chosen as a Chicago Tribune Top 100 Workplace and a certified Great Place to Work Looking for an awesome place to work Were committed to creating the best work experience possible Lets talk Learn More Open Positions Total Rewards BCU Employee Perks Handout Career Development Privacy at BCU and Baxter BCU on Glassdoor Explore perks beyond rewards with Travel Rewards Visa Optimize your resources Make your money stretch and avoid debt even with limited cash flow Member Feedback On our certificates I have never spoken with someone who did not go out of their way to make sure I got the information I needed I also appreciate that you have competitive cd rates and a wonderful system for letting me know when to renew as well as incredible ease at renewing it if I want to change anything Alan M Member Since 1982 Maximize Your Membership Watch Video Related Links Current Openings Career Development Join The Member Care Team About BCU Life at BCU Facebook

B O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O B O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O B O


Located in the center of our hotel roundabout is the monumental Guardian Bear Standing at a towering 17ft tall the Guardian Bear is the largest bear on the Western North Coast It is truly a wondrous marvel that cant be seen anywhere else Get a picture with the bear today and share it on your social media Use hashtag TheGuardianBearAtBRCR Affordable luxury is closer than you think We offer 104 awardwinning guest rooms and more Trip Advisor Certificate of Excellence Award Winner 2014 and 5 star rating 2017 Celebrating 13 Years of Premier Entertainment on the North Coast Be Rewarded Casual Dining with a View Open for Breakfast Lunch and Dinner Custom cocktails and local wine Visit the Thirsty Bear Lounge for your cocktail of choice and live entertainment every Friday and Saturday Voted the best by the best Thank you Humboldt County Best Casino in the 2016 2017 and 2018 Times Standard Best of the North Coast Readers Choice Awards Bear River Casino Resort puts you in the middle of it all The closest CasinoResort to Avenue of the Giants and multiple beaches Located in the center of our hotel roundabout is the monumental Guardian Bear Standing at a towering 17ft tall the Guardian Bear is the largest bear on the Western North Coast It is truly a wondrous marvel that cant be seen anywhere else Get a picture with the bear today and share it on your social media Use hashtag TheGuardianBearAtBRCR Affordable luxury is closer than you think We offer 104 awardwinning guest rooms and more Trip Advisor Certificate of Excellence Award Winner 2014 and 5 star rating 2017 Welcome to the Best Casino on the North Coast Previous Northern CA Casino Resort Welcome to Fun Rewards Chances to Win Were so glad youre here at our website Just a short drive from Eureka CA Bear River Casino Resort offers you premier entertainment relaxation and recreation Celebrate with gaming rewards dining and regional exploration all close to beautiful Humboldt Bay Our location by the bay also gives you access to great boating kayaking and fishing Humboldt County features lots of seasonal fairs and festivals too Instagram SnapChat TripAdvisor

O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O B O B I B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Your mind is beautiful We can help take care of it Our Services We offer a variety of treatment options with one goal in mind a healthier happier you Counseling Need someone to listen Were here to help Psychiatry Each mind is unique Let us design your custom treatment plan Intensive Outpatient Need extra support This intensive program is for you Advanced TMS Therapy Medication is not for everyone Check this noninvasive drugfree treatment alternative for depression What Patients are Saying I have had a great experience here and would recommend it to anyone Its nice to know that there is somewhere I can come to get myself on the right track Frank Outpatient Psychiatry This program has been so helpful Ive learned so many tools to help me with coping behaviors and overcoming addictive coping behaviors I am so grateful for this program Thank you Celeste Former Patient I enjoyed the remarkably beautiful and peaceful setting at Beautiful Minds The entire staff made me feel comfortable and accepted Crystal Outpatient Counseling Mental Health Wellness Articles Learn how to care for your beautiful mind A Remedy for Loneliness A Remedy for Loneliness By Timothy R Jennings Have you ever struggled with loneliness Have you ever been in a room full of people but felt isolated disconnected alone Have you been tormented by an uneasiness within a feeling that something isnt right a restless longing to fill some emptiness deep inside And have you Men Not Discussing Mental Health is Leading to Higher Death Rates One of the most integral components of a persons health is the mind Your mental health is inseparable from your physical health While this might be obvious to many it is still an incredibly stigmatized topic of discussion This is especially true for men who are often ridiculed for daring to talk about mental

O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O B O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


125 things to know about the big 5 insurers Written by Kelly Gooch Akanksha Jayanthi Emily Rappleye and Max Green June 19 2015 Email Here are 125 things to know about Blue Cross Blue Shield UnitedHealthcare Aetna Cigna and Humana five leading health insurers in the US Blue Cross Blue Shield Company basics 1 Blue Cross was founded in 1929 as a way to provide prepaid hospital care A decade later Blue Shield was founded to provide reimbursement for physician services The Blue Cross Association and National Association of Blue Shield Plans merged in 1982 to form the Blue Cross and Blue Shield Association 2 Scott Serota currently leads BCBSA as president and CEO He has held this position since 2000 following terms as COO a senior executive and executive vice president for system development He previously served as president and CEO of Chicagobased Rush Prudential Health Plans which was sold to WellPoint Health Networks in 2000 3 The BCBS system offers a full spectrum of healthcare coverage including coverage for large employer groups small businesses and individuals as well as Medicaid and Medicare plans 4 One in three Americans 106 million are BCBS beneficiaries BCBS companies also hold the largest privately underwritten health insurance contract in the world through the Federal Employee Program or the Federal Employee Health Benefits Program which insures more than half 53 million of federal government employees dependents and retirees according to the payer BCBS provides 52 million Medicaid and 42 million Medicare beneficiaries with healthcare coverage as well 5 BCBS companies operate in every US state the District of Columbia and Puerto Rico 6 The Blues are entirely independent and license one or both of Blue Cross and Blue Shields brands to operate in distinct markets across the country Of the 36 BCBS companies the largest is the publiclytraded Anthem which stretches across 14 states and includes Rocky Mountain Hospital and Medical Service Colorado and Nevada Anthem Health Plans Connecticut BCBS of Georgia BCBS Healthcare Plan of Georgia Anthem Insurance Companies Indiana Anthem Health Plans of Kentucky Anthem Health Plans of Maine RightCHOICE Managed Care Missouri Healthy Alliance Life Insurance Co Missouri HMO Missouri Anthem Health Plans of New Hampshire Community Insurance Co Health Care Service Corp CareFirst The Regence Group and Highmark also serve multiple states Health Care Service Corp operates the following plans BCBS of Illinois BCBS of Montana BCBS of New Mexico BCBS of Oklahoma and BCBS of Texas CareFirst includes CareFirst of Maryland CareFirst BlueChoice and Group Hospitalization Medical Services The Regence Group includes Regence BlueShield of Idaho Regence BCBS of Oregon Regence BCBS of Utah and Regence Blue Shield Washington Highmark includes Highmark BCBS Pennsylvania Highmark Blue Shield Pennsylvania Highmark BCBS West Virginia and Highmark BCBS Delaware Finances 7 Chicagobased Health Care Service Corp a BCBS licensee and the largest nonprofit health insurer in the country posted a 2819 million loss in 2014 compared to a 6843 million surplus the year before due to a significant increase in the number of medical claims as a result of the Patient Protection and Affordable Care Act and people gaining insurance coverage through the exchanges 8 Anthem the largest BCBS company reported betterthanexpected profits for the first quarter of 2015 posting a net income of 8562 million up from 701 million for the first quarter last year 9 The nonprofit status of some Blues outfits has been a point of contention While some companies are publicly traded such as Anthem others have maintained a nonprofit status Blue Shield of California was stripped of its state taxexempt status in August 2014 but the news was announced this March The California Franchise Tax Board revoked its status which the payer has held since it was founded in 1939 after a state audit Though no information has been released the taxexempt status was likely removed because Blue Shield of California was holding 42 billion in its financial reserves which is four times larger than BCBSA requires its members to hold to pay claims according to NPR The company has contributed 325 million to its charitable foundation in the last 10 years 10 Many payers including BCBS plans requested doubledigit rate increases for plans created under the PPACA next year to cover the medical costs of the newly insured Blues plans in Maryland New Mexico and Tennessee all requested increases of 30 percent or more and BCBS Illinois requested a 234 percent increase for individual plans and a 291 percent increase for an HMO plan according to Politico BCBS of North Carolina is asking for a 257 percent increase in premiums according to Triad Business Journal The increased rates have not yet been approved Valuebased programs 11 The Blues collectively boosted valuebased care spending to 71 billion in 2014 reflecting a 9 percent increase in claims tied to valuebased programs since 2013 12 Patientcentered BCBS programs generated 1 billion in savings in 2013 according to BCBSA The portfolio includes accountable care organizations patientcentered medical homes and other programs for a total of 570 patientcentered care programs for more than 25 million customers and 228000 physicians 13 BCBS has launched 450 ACOs across 32 states with more than 111000 physicians 14 The Blues host 69 PCMHs in 43 states and Washington DC More than 56000 physicians participate in the payers PCMH models The BCBS antitrust lawsuits 15 Two federal antitrust lawsuits against all BCBS companies and BCBSA have recently grabbed headlines The lawsuits allege BCBS insurers cartellike operations limit competition and drive up premiums 16 One case was brought on behalf of healthcare providers and the other on behalf of individual and smallemployer customers The suits were combined into one claim by a federal judicial panel in Alabama and the plaintiffs are now seeking classaction status 17 BCBS denied the allegations It says their licensing model which gives companies exclusive rights to use the BCBS brand in specific regions is not unlawful and has been in existence for decades without previous antitrust action 18 The case comes down to the judicial interpretation of the BCBS model Whether BCBS is a franchise or was purposefully designed to reduce competition is the crux of the case according to Barak D Richman a Duke law professor 19 The plaintiffs have conflicting interests Glenn Melnick a professor at the University of Southern California pointed out in The Wall Street Journal that higher reimbursement rates are of interest for providers but would lead to higher premiums for customers 20 No judgments have been made on the merits of the case but it was not dismissed last year by US District Judge R David Proctor who said the plaintiffs have alleged a viable marketallocation scheme Rankings disputes and news 21 According to athenahealths annual PayerView report the Blues have the strongest presence in the Top 10 Performers with BCBS Washington Regence BCBS Maryland BCBS Louisiana BCBS Pennsylvania Capital BlueCross BCBS North Carolina and BCBS North Carolina Blue Medicare holding six spots Payers were ranked based on metrics such as days in accounts receivable claim resolution rate denial rate and more 22 BCBS plans were rated the No1 plan for overall member satisfaction for the Heartland region which includes Arkansas Iowa Kansas Missouri Nebraska and Oklahoma and the IllinoisIndiana region Ohio New Hampshire Pennsylvania and Texas where it tied for No 1 with UnitedHealthcare according to the annual JD Power Member Health Plan Study The study is based on consumer responses in six categories coverage and benefits provider choice information and communication claims processing cost and customer service 23 CareFirst BCBS announced in May it was the victim of a cyberattack that potentially compromised the data of almost onethird of its customers 11 million members making it the third hacking discovered at a BCBS company since the beginning of the year Anthem also announced a breach in February this year putting information at risk for approximately 80 million former and current customers and employees A cyberattack reported in March at Premera Blue Cross compromised the data of 11 million customers 24 Pittsburghbased UPMC and Highmark have been embroiled in a dispute since 2011 when the payer moved to acquire West Penn Allegheny Health System UPMCs biggest competitor In response UPMC decided not to renew its contract with the payer forcing Highmark customers to seek care outside of the system or pay outofnetwork fees Most recently a judge ordered UPMC to continue to provide innetwork access to Highmark Medicare Advantage members until 2019 or the duration of the consent decree the companies entered into in June 2014 25 BCBSA announced in April plans to launch a private health insurance exchange to help transition Medicareeligible retirees from group health benefits to individual Medicare coverage The exchange will offer supplemental Medicare insurance or Medigap as well as Medicare Advantage and Medicare Part D plans Blue Cross plans state by state Alabama Blue Cross and Blue Shield Alaska Premera Blue Cross Blue Shield Arizona Blue Cross and Blue Shield Arkansas Blue Cross and Blue Shield California Anthem Blue Cross Blue Shield Colorado Anthem Blue Cross and Blue Shield Connecticut Anthem Blue Cross and Blue Shield Delaware Highmark Blue Cross Blue Shield District of Columbia CareFirst Blue Cross Blue Shield Florida Blue Cross and Blue Shield Georgia Blue Cross and Blue Shield Hawaii Blue Cross Blue Shield of Hawaii Idaho Blue Cross Regence BlueShield of Idaho Illinois Blue Cross and Blue Shield Indiana Anthem Blue Cross Blue Shield Iowa Wellmark Blue Cross and Blue Shield Kansas Blue Cross and Blue Shield Kentucky Anthem Blue Cross and Blue Shield Louisiana Blue Cross and Blue Shield Maine Anthem Blue Cross and Blue Shield Maryland CareFirst Blue Cross Blue Shield Massachusetts Blue Cross and Blue Shield Michigan Blue Cross and Blue Shield Minnesota Blue Cross and Blue Shield Mississippi Blue Cross and Blue Shield Missouri Anthem Blue Cross Blue Shield BlueCross and BlueShield of Kansas City Montana Blue Cross and Blue Shield Nebraska Blue Cross and Blue Shield Nevada Anthem Blue Cross and Blue Shield New Hampshire Anthem Blue Cross and Blue Shield New Jersey Horizon Blue Cross and Blue Shield New Mexico Blue Cross and Blue Shield New York BlueCross BlueShield of Western BlueShield of Northeastern Empire Blue Cross and Blue Shield Excellus BlueCross BlueShield North Carolina Blue Cross and Blue Shield North Dakota Blue Cross and Blue Shield Ohio Anthem Blue Cross and Blue Shield Oklahoma Blue Cross and Blue Shield Oregon Regence BlueCross BlueShield of Oregon Pennsylvania Highmark Blue Shield Capital BlueCross Harrisburg Highmark Blue Cross Blue Shield Pittsburgh Independence Blue Cross Philadelphia Puerto Rico BlueCross BlueShield of Puerto Rico Rhode Island Blue Cross and Blue Shield South Carolina Blue Cross and Blue Shield South Dakota Wellmark Blue Cross and Blue Shield Tennessee Blue Cross and Blue Shield Texas Blue Cross and Blue Shield Utah Regence BlueCross BlueShield of Utah Vermont Blue Cross and Blue Shield Virginia Anthem Blue Cross and Blue Shield and CareFirst BlueCross BlueShield Washington Premera Blue Cross Regence BlueShield West Virginia Highmark Blue Cross Blue Shield West Virginia Wisconsin Anthem Blue Cross and Blue Shield Wyoming Blue Cross and Blue Shield UnitedHealthcare Company basics 1 Minneapolisbased UnitedHealthcare operates under parent company UnitedHealth Group UnitedHealth Group was incorporated in 1974 under the name Charter Med by a group of healthcare professionals and physicians In 1977 United HealthCare Corp was created and became the parent of Charter Med It wasnt until 1998 when United HealthCare Corp became known as UnitedHealth Group and the company launched six independent business segments one of which was the UnitedHealthcare of today 2 UnitedHealth Groups other service line is Optum a health services platform that includes solutions for population health management care delivery and clinical and operational improvement Optum features three platforms OptumHealth OptumInsight and OptumRx providing services for health management advisory consulting and pharmacy benefit management services respectively 3 David Wichmann president and CFO of UnitedHealth Group currently oversees operations of UnitedHealthcare He assumed these duties in February 2015 after thenCEO of UnitedHealthcare Gail Boudreaux stepped down from her position for undisclosed reasons after serving in the position since 2008 Mr Wichmann will transition out of his role as CFO over the next six to 12 months 4 UnitedHealth Group employs approximately 168000 individuals in 21 countries including Australia Canada China India Philippines Ireland Italy and the United Kingdom Financial reports 5 In first quarter 2015 UnitedHealth Group including Optum financials reported revenue of 358 billion a 126 percent increase from the first quarter 2014s 318 billion On its own UnitedHealthcares Q1 2015 revenue totaled 326 billion up 113 percent from 293 billion in Q1 2014 UnitedHealth Groups profit for Q1 2015 totaled 14 billion up from 11 billion Q1 2014 6 In the past three years UnitedHealthcare has nearly tripled its total valuebased payments to providers which now total approximately 37 billion The payer expects to double that number by 2018 paying 65 billion tied to improved quality and outcomes Member information 7 UnitedHealthcare covers approximately 45 million individuals worldwide UnitedHealth Groups services serve more than 6100 healthcare facilities and 855000 physicians and caregivers 8 UnitedHealthcare offers health benefits to five distinct groups In the community and state plans the payer provides managed care solutions to state Medicaid programs The employer and individual plans offer consumeroriented benefits UnitedHealthcare also offers Medicare and retirement plans for those ages 50 and above as well as military and veterans plans to serve the needs of military service members retirees and their family members Additionally UnitedHealthcare has a global presence mainly in Brazil 9 UnitedHealthcare offers products on 23 state exchanges including 15 states where the payer offers Medicaid plans 10 The payer offers health plans tailored to individuals with specific chronic diseases such as diabetes UnitedHealthcare launched its diabetesspecific program in 2009 making it the firstever health plan specifically for patients with diabetes or prediabetes Under the plan there is no cost for routine diabetes care but members in the program must adhere to preventive evidencebased guidelines from the American Diabetes Association 11 Research from Mark Farrah Associates indicates UnitedHealthcares total membership was the only one out of its top competitors to see membership growth decline from fourth quarter 2013 to fourth quarter 2014 UnitedHealthcares membership growth fell by 1 percent while Aetnas grew 59 percent Cignas grew 27 percent and Anthem grew 52 percent according to the findings Accountable care agreements 12 UnitedHealthcare plans to add an additional 250 accountable care organizations to its current list of programs bringing the grand total to more than 720 ACOs The payer announced in February that 11 million plan participants receive valuebased care through its ACOs 13 Some recent accountable care relationship updates of UnitedHealthcares include plans with Downers Grove Illbased Advocate Health Care to expand accountable care from 5500 Medicare Advantage beneficiaries to more than 80000 UnitedHealthcare members Raleigh NCbased WakeMed Key Community Care to improve care coordination for more than 175000 beneficiaries receiving care from WKCC physicians and Mountain View Califbased Palo Alto Medical foundation to launch a new ACO for more than 63000 beneficiaries 14 UnitedHealthcare was involved in some payerhospital conflict this year as it worked to renegotiate its contract with Charlotte NCbased Carolinas HealthCare The contract between the two parties expired Feb 28 2015 It took approximately two months after their contract expired to agree upon a new one in April but the contract is retroactive to March 1 so beneficiaries did not experience a disruption in benefits 15 In 2009 UnitedHealthcare launched its patientcentered medical home program with primary care practices in Arizona Colorado Ohio New York and Rhode Island In this model primary care physicians serve as individuals coordinators of care to help reduce fragmentation across the care continuum Rankings and ratings 16 In 2015 UnitedHealth Group ranked No 1 on Fortune s Worlds Most Admired Companies list in the insurance and managed care section for the fifth year in a row Additionally the payer received a top rating of 100 percent on the Human Rights Campaigns 2015 Corporate Equality Index and was named a Top 100 Military Friendly Employer and Military Spouse Friendly Employer in 2015 by Victory Media which publishes GI Jobs and Military Spouse magazines 17 UnitedHealthcare plans were ranked the No 1 for member satisfaction in the Texas region tied with BlueCross BlueShield of Texas according to the annual JD Power Member Health Plan Study in 2015 The payer tied for third place with CareFirst BlueCross BlueShield in the MidAtlantic region which includes Maryland Virginia and Washington DC 18 In athenahealths PayerView 2015 report UnitedHealthcare came in at 53 out of 166 payers The report ranks payer performance based on accounts receivable firstpass claim resolution rate denial rate and provider collection burden among other metrics 19 As millennials enter the workforce UnitedHealth Group is one place they want to end up According to a survey from the National Society of High School Scholars that collected responses from more than 18000 students between the ages of 15 and 29 UnitedHealth Group is No 23 on the list of 25 specific companies for which millennials most want to work New offerings 20 UnitedHealthcare partnered with three telemedicine providers and will cover video consultations Through the telemedicine service providers Doctor on Demand Optums NowClinic and American Well UnitedHealthcare members will be able to access a physician at any time Currently this coverage is only offered to selffunded employer customers but the payer plans to extend coverage to employersponsored and individual plan participants in 2016 21 In 2014 UnitedHealthcare launched its Health4Me mobile app which allows plan participants to pay medical bills on their smartphones The app also allows users to search for physicians locate urgent care facilities manage prescription claims and speak with nurses about health concerns among other offerings 22 Along with the AARP UnitedHealthcare launched The Longevity Network a digital platform offering a hub for individuals ages 50 and above AARP and UnitedHealthcare have worked in partnership since 2008 UnitedHealthcare provides AARP members Medicare Supplement Insurance Plans 23 In April the payer announced a health incentive partnership with Walgreens Through the collaboration UnitedHealthcare members can earn Walgreens Balance Reward points for healthy behaviors and activities When individuals log daily exercise healthy eating and other healthpositive activities on UnitedHealthcares Health4Me mobile app they earn extra Walgreens Balance Reward points The program will be piloted for members in Arizona and Illinois UnitedHealthcare in the news 24 In May UnitedHealthcare settled a decadelong lawsuit that alleged the payer purposefully withheld payments to meet financial goals The NC Medical Society filed the lawsuit against UnitedHealthcare in 2004 alleging UnitedHealthcare would systematically deny payments to NCMS members for medically necessary claims to achieve internal financial targets without regard for individual patient medical needs UnitedHealthcare will settle for 115 million 25 According to a Wall Street Journal report UnitedHealth Group is discussing a takeover deal with Aetna that would be valued at more than 40 billion News of this extended offer closely follows news that Anthem recently approached Cigna with a takeover deal valued at approximately 45 billion Additionally Aetna is speculated to be considering buying Humana Aetna Company basics 1 Aetnas company name is inspired by MtEtna an 11000foot volcano on the eastern shores of Sicily Italy which is the most active volcano in Europe 2 Aetna was founded in 1853 and Eliphalet A Bulkeley was the companys first president The insurer introduced major medical coverage in 1951 when a labor shortage paired with wage freezes made employee benefits all the more critical for worker retention Aetna paid its first Medicare claim in 1966 and created an HMO subsidiary in 1973 3 As of March 2015 Aetna had 237 million medical members approximately 155 million dental members and approximately 154 million pharmacy benefit management services members 4 Major Aetna players include Mark T Bertolini chairman and CEO of Aetna who serves as the companys executive sponsor for diversity participates in several Aetna employee resource groups and maintains a blog to communicate with employees Karen S Rohan president of Aetna who is responsible for the companys core institutional businesses Shawn M Guertin executive vice president CFO and chief enterprise risk officer of Aetna who is responsible for leading all of the corporations financial activities Harold Paz MD executive vice president and CMO of Aetna who leads clinical strategy and policy at the intersection of all of Aetnas domestic and global businesses 5 As of March 2015 Aetnas network which stretches across the US and much of the world consisted of more than 11 million healthcare professionals more than 674000 primary care physicians and specialists and 5589 hospitals 6 Aetna participates in Patient Protection and Affordable Care Act health insurance marketplaces In May 2014 Aetna reported it had more than 600000 exchange enrollees 7 Aetna has roughly 49350 employees 8 In January Aetna set its wage floor to 16 an hour for its lowest paid employees boosting the employees incomes by as much as 33 percent 9 The wage increase was expected to cost Aetna 26 million annually but Mr Bertolini predicted the higher wages will allow Aetna to offset some costs by reducing the 120 million spent each year on employee turnoverrelated costs Merger talks and finances 10 Aetna is among the major payers involved in the merger frenzy talks that are going on in the health insurance sector Within the last two weeks Anthem has made two takeover bids for Cigna and Cigna has rejected both of them Additionally The Wall Street Journal reports Aetna has demonstrated interest in taking over Humana 11 Most recently UnitedHealth Group approached Aetna about a takeover deal that would likely be valued at more than 40 billion 12 Aetnas 2014 revenue was approximately 58 billion 13 Aetna reported net income of 7775 million on 151 billion in revenue for the first quarter of fiscal 2015 up from net income of 6655 million on 14 billion in revenue a year earlier 14 Aetnas operating revenue was up 8 percent in the first quarter of fiscal year 2015 growing to 151 billion 15 The companys financial growth was partially attributable to an increase in medical membership which totaled approximately 237 million as of March 31 a sequential increase of 122000 members 16 Based on its Q1 financials Aetna projects operating earnings per share for the full year 2015 in the range of 720 to 740 up from its original guidance of at least 700 Accountable care agreements 17 Approximately 32 million Aetna members receive care through accountable care agreements and 30 percent of Aetnas claims payments go to providers practicing valuebased care Aetna plans to increase the number of such claims payments to 50 percent by 2018 and 75 percent by 2020 18 Here are a few accountable care agreements the payer recently struck with providers In April Atlantabased Emory Healthcare and Aetna announced plans to form a new accountable care organization In May Cigna and Hackensack NJbased Regional Cancer Care Associates announced the launch of a valuebased initiative to improve care for patients receiving chemotherapy That same month Aetna and Omaha Nebbased CHI Health announced the launch of an ACO for employers 19 A 2012 case study including 750 Medicare Advantage members receiving services from the accountable care agreement between Aetna and Portland Mainebased NovaHealth found patients had 50 percent fewer hospital days 45 percent fewer admissions and 56 percent fewer readmissions than the rest of Maines Medicaid population Additionally healthcare costs for patients in the pilot program were 165 to 33 percent lower than costs for members not in the program The case study was published in Health Affairs 20 Aetna has also formed patientcentered medical homes Aetna and Purchase NYbased WESTMED Medical Group were able to reduce hospital admissions among their patients by 35 percent in the first year after forming their patientcentered medical home WESTMED physicians also reportedly met or exceeded 90 percent of their targeted goals for diabetes management and screenings cancer screenings and heart disease Legal disputes rankings and other issues 21 Aetna was named No 32 in Diversity publication DiversityIncs ranking of Top 50 Companies for Diversity an annual list now in its 16th year More than 1600 companies participated in DiversityIncs survey in 2015 22 In the 2015 edition of athenahealths PayerView report Aetna ranked second overall among commercial and major payers Payers were ranked based on metrics such as days in accounts receivable claim resolution rate denial rate and more 23 Aetna is among the key players in the healthcare industry that joined the Clear Choices Campaign a healthcare coalition which will advocate for more transparent accountable and consumerfriendly health markets 24 This year has not been free from controversy for Aetna Earlier this month East Texas Medical Center Tyler filed a lawsuit in excess of 1 million against three of the largest health insurance companies in the state Blue Cross Blue Shield of Texas Aetna and Cigna claiming exclusion from their preferred provider networks has created serious and negative consumer impact 25 In February Aetna filed a lawsuit alleging that North Cypress Texas MedicalCenter and its CEO engaged in an illegal kickback scheme and used deceptive billing practices that led Aetna Life Insurance to overpay the physicianowned community hospital by as much as 120 million Cigna Company basics 1 Cigna provides medical insurance to customers in 30 countries and jurisdictions with more than 86 million customer relationships worldwide Cigna offers international private medical insurance including cancer maternity and psychiatric care through the Cigna Global Health Options program 2 In 2014 Cigna reported 35 billion in revenues 2 billion in adjusted income from operations assets of 559 billion and 108 billion in shareholders equity 3 Cignas global network includes more than 1 million partnerships with healthcare professionals clinics and facilities including 89000 participating behavioral healthcare professionals and 11400 facilities and clinics 74000 contracted pharmacies 69700 vision healthcare providers in more than 24800 locations 134000 dental PPO professionals and 20000 dental HMO professionals 4 Although the vast majority of Cignas business is commercial it offers a MedicareMedicaid line of business through Cigna HealthSpring About 85 percent of Cignas commercial business is with employers that selfinsure and about 15 percent is fully insured where Cigna assumes the risk 5 Cigna has 459000 Medicare Advantage customers 59000 Medicaid customers 12 million Medicare prescription drug customers and processed 158 million medical claims overall in 2014 6 States with the largest number of Cigna medical customers are Texas California Florida Tennessee and New York 7 The health insurer has approximately 37000 employees 8 Major Cigna players include David Cordani president and CEO who outside of Cigna has competed in more than 125 triathlons Thomas A McCarthy executive vice president and CFO who has more than 31 years experience in healthcare and insurance services Alan Muney MD CMO of Cigna since 2011 who has more than 26 years experience leading health plan operations and in medical group practice management Mark Boxer executive vice president and global CIO of Cigna since 2011 who is responsible for driving the companys worldwide technology strategy Lisa Bacus executive vice president and global chief marketing officer since 2013 has won numerous marketing awards for various business and marketing efforts Merger talks 9 Cigna is counted among the Big 5 forprofit health insurers along with UnitedHealth Group Anthem Humana and Aetna who collectively insure more than half of the insured population or more than 100 million people 10 Cigna is among the major payers involved in merger talks in the health insurance sector Within the last two weeks Anthem made two takeover bids for Cigna the most recent of which at about 175 per share and Cigna rejected both Humana has also entered into takeover talks with both Cigna and Aetna 11 Shares of Cigna jumped nearly 12 percent June 15 after it was reported that Anthem made those two takeover bids according to a Hartford Courant report Cigna shares jumped more than 3 percent in late May when the company is said to have approached competitor Humana regarding a potential buyout sources told Bloomberg Finances and customers 12 Cigna reported net income of 533 million for the first quarter of fiscal 2015 up from net income of 528 million on 85 billion in revenue a year earlier 13 Cigna reported consolidated revenues of nearly 95 billion for the first quarter of fiscal 2015 up about 11 percent from a year earlier 14 The companys premiums and fees for the first quarter of 2015 were up 12 percent from a year earlier largely driven by customer growth in Cignas commercial and government businesses 15 Cignas total medical customers grew to 147 million in the first quarter of 2015 compared with 142 million a year earlier 16 Based on its firstquarter financials Cigna expects fullyear adjusted income from operations in the range of 815 to 850 per share up from its previous forecast of 8 to 840 per share Collaborative care agreements 17 In July 2014 Cigna achieved its goal of creating 100 collaborative care arrangements At that time the companys collaborative care arrangements spanned nearly 30 states and included more than 19000 primary care physicians and more than 20000 specialists Currently Cigna has 114 Collaborative Accountable Care arrangements in 28 states covering 12 million customers 18 Cigna Collaborative Care a valuebased initiative similar to an accountable care organization has shown successful quality outcomes and reduced costs in OBGYN practices in Florida and Texas Cigna plans to launch up to six additional OBGYN collaborative care pilots this year Rankings legal battles and acquisitions 19 In the 2015 edition of athenahealths PayerView report Cigna ranked third overall among commercial and major payers Payers were ranked based on metrics such as days in accounts receivable claim resolution rate denial rate and more 20 In the 2015 ReviveHealth National Payor Survey published by athenahealth Cigna was rated the No 1 plan in overall member satisfaction for the Southwest region of the United States according to the annual JD Power Member Health Plan Study The study which is in its ninth year measures satisfaction among members of 134 health plans in 18 regions across the US The study examines six factors coverage and benefits provider choice information and communication claims processing cost and customer service Member satisfaction is calculated on a 1000point scale 21 Cigna was ranked No 90 on Fortune s list of 500 companies that generated the most revenue for their respective fiscal years It rank lower than the other four Big 5 health insurance companies 22 In Revive Healths ninth annual National Payor Survey Cigna was considered the most trustworthy payer for the second year in a row Revive Healths findings were based on responses from more than 200 hospital and health system leaders about their feelings toward several health insurers 23 This year has not been free from controversy for Cigna Earlier this month East Texas Medical Center Tyler filed a lawsuit in excess of 1 million against three of the largest health insurance companies in the state Blue Cross Blue Shield of Texas Aetna and Cigna claiming exclusion from their preferred provider networks has created serious and negative consumer impact 24 Cigna is among payers that joined the Health Care Payment Learning and Action Network an advisory group established to provide a forum for publicprivate partnerships to help the US healthcare payment system meet or exceed recently established Medicare goals for valuebased payments and alternative payment models 25 Cigna is no stranger to acquisitions In January 2012 Cigna achieved a major acquisition with its purchase of HealthSpring one of the largest Medicare Advantage plans in the country for 38 billion Other recent acquisitions include In March of 2015 Cigna completed its acquisition of Piscataway NJbased QualCare Alliance Networks a group that serves approximately 200000 customers in selffunded health plans and has more than 900000 customer relationships In 2013 Cigna completed its acquisition of Alegis Care a portfolio company of Triton Pacific Capital Partners The financial terms of the deal were not disclosed In 2012 Cigna acquired a 51 percent share in Finans Emeklilik the sixthlargest life and pension provider in Turkey In 2012 Cigna acquired Great American Supplemental Benefits which offers supplemental insurance products for Medicare providers for 326 million Humana Company basics 1 Major players in Humanas past and present include Founders David A Jones Sr and H Wendell Cherry who were attorneys CEO Bruce D Broussard who prior to Humana worked within a variety of healthcare sectors including oncology pharmaceuticals assisted livingsenior housing home care physician practice management surgical centers and dental networks CFO Brian Kane whose previous health insurance work has included coverage of the national and governmentfocused managed care organizations Board Chairman Kurt J Hilzinger a partner with New York Citybased private equity firm Court Square Capital Partners 2 Humana began as a nursing home company called Extendicare 3 The companys focus shifted to hospitals and the name was changed to Humana in 1974 4 Humana has medical membership in all 50 states Washington DC and Puerto Rico 5 As of Dec 31 2013 Humana had approximately 12 million medical plan members and roughly 78 million specialty products members Will a competing insurer acquire Humana 6 Humana has recently garnered widespread media attention as there have been whispers of Humana possibly being acquired by a competing health insurer 7 Humana is exploring a possible sale of the company after Cigna approached the health insurer about a potential deal according to a Bloomberg report Along with Cigna Aetna has also shown interest in taking over Humana according to The Wall Street Journal 8 Major insurers are interested in acquiring Humana due to the bulk of the companys revenue coming from administering Medicare Advantage plans which is an area other insurers are looking to expand 9 Goldman Sachs Group is advising Humana on the possible sale Finances 10 Humana reported net income of 430 million on 138 billion in revenue for the first quarter of fiscal 2015 up from net income of 368 million on 117 billion in revenue a year earlier 11 Humana has been involved in various transactions this year In April Humana announced its home care division Humana At Home had acquired Deerfield Beach Flabased Your Home Advantage a nurse practitioner home health service 12 In March Humana announced it was selling Concentra its occupational health and physical therapy services arm for 106 billion 13 Humana is expecting a 08 percent increase in funding from the final Medicare Advantage payment rates for 2016 that CMS recently announced Accountable care agreements 14 Humana has entered into many accountable care agreements In March Brookfieldbased Integrated Health Network of Wisconsin in March agreed to partner with Humana on a threeyear accountable care agreement for Humanas Medicare Advantage beneficiaries 15 In February Humana announced a new multiyear accountable care agreement with HealthSpan Physicians a network of 200 primary care physicians based in Cincinnati 16 As of March 53 percent of Humanas members were in accountable care relationships 17 Humanas accountable care relationships have seen some signs of success Within its accountable care continuum Humana reported improved costs decreased ER visits decreased inpatient admissions and better screening compliance for various measures like cholesterol and colorectal cancer compared to Humana members treated in traditional feeforservice and original Medicare settings 18 As of March Humana was on course to have more than 75 percent in accountable care relationships by 2017 Rankings disputes and initiatives 19 In the 2015 edition of athenahealths PayerView report Humana ranked first overall among major payers and was the only national commercial payer in the Top 10 Payers were ranked based on metrics such as days in accounts receivable claim resolution rate denial rate and more 20 Humana was rated the No 1 plan in overall member satisfaction for the East South Central region of the United States according to the annual JD Power Member Health Plan Study The study which is in its ninth year measures satisfaction among members of 134 health plans in 18 regions across the US The study examines six factors coverage and benefits provider choice information and communication claims processing cost and customer service Member satisfaction is calculated on a 1000point scale 21 Humana has been part of disputes with hospitals It was announced in February that a 20year relationship between Humana and the University of Chicago Medicine would come to an end April 1 affecting approximately 1750 patients 22 Humana has recently been part of legal proceedings Humana disclosed in a regulatory filing that it was the subject of a federal probe which is related to a whistleblower lawsuit filed against the health insurer According to the filing the US Department of Justice issued an information request to Humana concerning the health insurers Medicare Part C risk adjustment practices 23 Humana is among payers that joined the Health Care Payment Learning and Action Network an advisory group that was established to provide a forum for publicprivate partnerships to help the US healthcare payment system meet or exceed recently established Medicare goals for valuebased payments and alternative payment models 24 Humana launched two population health management services suites this year In March the insurer announced the formation of Transcend and Transcend Insights extended suites of management services designed to assist healthcare systems physicians and care teams in improving population health management efforts Thoughts on Humana 25 A number of healthcare industry experts have commented on Humana this year Below are some of their comments Our firstquarter achievements included substantial revenue and membership growth announcement of the launch of our population health technology business Transcend Insights the pending sale of Concentra and the completion of our accelerated share repurchase program as well as strong pretax income Mr Broussard said when Humana released its firstquarter financial results These achievements contributed meaningfully to the advancement of our integrated care delivery model with its datadriven focus on the consumer powered by our disciplined approach to capital allocation which taken together represents a sustainable competitive advantage for Humana Humana has long been thought of as the national leader in Medicare advantage plans It has seemed bit to lose share in some commercial markets but has doubled down in this area quite successfully said Scott Becker JD publisher of Beckers Healthcare Copyright ASC COMMUNICATIONS 2018 Interested in LINKING to or REPRINTING this content View our policies by clicking here To receive the latest hospital and health system business and legal news and 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O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Roasting Pan Rack Filters Sort By Department Brand Color Size Price range Roasting Pan Rack Showing 1 9 of 9 products Department Brand Color Size Price range Le Creuset 14Inch x 10Inch Stainless Steel Roasting Pan with Nonstick Rack 11999 1 Brand Le Creuset Colors Stainless steel Sizes 19 x 14 14 x 10 Categories Holiday Thanksgiving Roasters Roast meats and vegetables to perfection with the Le Creuset Stainless Steel Roasting Pan Dripless precisionpour rim allows for clean convenient pouring directly from the pan and a heavygauge steel nonstick rack elevates food for even cooking Chicago Metallic Professional Nonstick Roast Pan and Rack with ArmorGlide Coating 1899 Brand Chicago Metallic Colors Metallic grey Sizes 135 x 95 Categories Kitchen Bakeware Baking Tools Baking Dishes Cook vegetables and meat recipes with ease using the Chicago Metallic Professional Nonstick Roast Pan and Rack Set A favorite of chefs it has a rack with folding handles and features ArmorGlide nonstick coating for easy food release and cleanup Norpro Nonstick Silicone Roasting Rack in Red 1299 10 Brand NORPRO Colors Red Sizes 9 x 6 Categories Holiday Thanksgiving Thanksgiving Cooking Thanksgiving Cooking Thanksgiving Cooking The Norpro Nonstick Silicone Roasting Rack was designed with functionality in mind Not only will this roasting rack help your meats and vegetables cook more evenly and prevents burning but it can also double as a trivet for letting your dishes cool Real Simple Expandable Roasting Rack 999 36 Brand Real Simple Categories Holiday Thanksgiving Thanksgiving Cooking Thanksgiving Cooking Thanksgiving Cooking This Expandable Roasting Rack can be adjusted from 10 to 13 long to fit most roasting pans Silicone covered handles provide a confident grip when transferring pan to cutting board Rack keeps food away from excess fat and oil for healthier meals Cuisipro Roasting Rack and Serve Lifter 1999 25 Brand Cuisipro Colors Metallic black Sizes 16 x 13 Categories Holiday Thanksgiving Thanksgiving Cooking Top Rated Products Top Rated Kitchen Easily fitting inside a 16 x 13 roasting pan the Cuisipro Roast and Serve Lifter features convenient handles that allow you to safely and securely move meat from the pan directly to a serving tray without a hassle Stainless Steel Roast Serve Roasting Rack 2499 2 Colors Stainless steel Sizes 1275 x 1475 Categories Kitchen Kitchen Tools Gadgets Meat Seafood Tools New Arrivals Kitchen Precarious lifters are a thing of the past with this Stainless Steel Roast Serve Roasting Rack It easily lifts straight from the pan to the serving tray Then pull out the pins and the rack slides off leaving your roast ready for the table Tramontina 165Inch Deep Roaster with Basting Grill and VRack 7499 Was 9999 15 Brand Tramontina Colors Stainless steel Sizes 165 Categories Kitchen Cookware Roasters Roasters Roasters Roast delicious holiday turkeys or bake yummy homemade lasagnas with the 165Inch Deep Roaster from Tramontina This set includes a basting grill and VRack so your meals turn out perfect Breville The Smart Oven Pro in Black 26999 7 Brand Breville Colors Black Sizes 6 slice Categories Kitchen Small Appliances Toasters Ovens Toasters Ovens Toasters Ovens Cook anywhere and anything with The Smart Oven Pro From toasting baking broiling roasting reheating and slow cooking the temperature control button makes cooking any recipe a breeze Breville Smart Oven Air Convection Oven 39999 262 Brand Breville Colors Stainless steel Sizes 1 liter Categories Kitchen Small Appliances Toasters Ovens Toasters Ovens Toasters Ovens Enjoy perfectly cooked food with the 1800watt Smart Toaster Oven Air Convection Oven from Breville This countertop appliance features 13 cooking menu functions plus 6 electronic quartz elements that automatically move heat where and when its needed

B I I O O O O O O O O O B I I O O O O O O O O O O O O B I O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Hammocks Showing 1 24 of 67 products Filter Sort Available Online Sort Price Low to High Price High to Low Top Rated Brand Newest Arrivals Most Popular View Results 5999 Palm Print Woven Hammock with Pillow 5 Free Shipping on Orders Over 39 9999 Tropic Island Large Hammock Stand in Taupe 8 Free Shipping on Orders Over 39 9999 Tropic Island 13Foot Natural Cotton Rope Hammock 5 Free Shipping on Orders Over 39 3999 Castaway Hammocks by Pawleys Island Travel Hammock 5 Free Shipping on Orders Over 39 9999 Pawley Island Steel Hammock Stand 1 Free Shipping on Orders Over 39 24999 Each Vivere 9Foot Double Hammock in Sunbrella Fabric with Stand 3 Free Shipping on Orders Over 39 See Discount Price in Cart 18997 Vivere 9Foot Multicolor Stripe Double Hammock with Stand 4 Free Shipping on Orders Over 39 3999 6999 Northlight Double Brazilian Hammock Free Shipping on Orders Over 39 19999 21999 Cacoon Child Hammock Chair Free Shipping on Orders Over 39 5999 Classic Accessories Montlake 6Foot 9Inch Brazilian Hammock Free Shipping on Orders Over 39 16999 Pawleys Island Rope Swing Free Shipping on Orders Over 39 10999 Northlight Cotton 78Inch Hammock Free Shipping on Orders Over 39 26099 Classic Accessories Montlake Brazilian Hammock Stand in Natural Wood Free Shipping on Orders Over 39 21999 Each Pawleys Island TriBeam Steel Hammock Stand 6 Free Shipping on Orders Over 39 8999 Castaway Olef in Large Quilted Hammock in Green and White 4 Free Shipping on Orders Over 39 13999 Classic Accessories Montlake 6Foot 8Inch Quilted Hammock 1 Free Shipping on Orders Over 39 18999 Pawleys Island Single Swing Chair Free Shipping on Orders Over 39 23999 FlowerHouse Flying Saucer Hanging Chair in Silver Free Shipping on Orders Over 39 17999 Pawleys Island Large Polyester Rope Hammock in White Free Shipping on Orders Over 39 12499 Each Stansport Cayman 79Inch Hammock with Stand in BlueGreen Free Shipping on Orders Over 39 See Discount Price in Cart 29997 Cacoon Single Hanging Chair Free Shipping on Orders Over 39 See Discount Price in Cart 39997 Cacoon Double Hammock Chair Free Shipping on Orders Over 39 23299 26299 FlowerHouse TearDrop Hanging Chair 1 Free Shipping on Orders Over 39 1199 1699 Stansport CottonBlend 78Inch Traveler Hammock Free Shipping on Orders Over 39 Back 1 2 3 Hammocks Hammocks arent just for lazing around during warm weather days theyre also good for sleep Hammocks are relaxing and comfortable for quick naps too Choose from a number of patterns and styles that complement your dcor Stands create a portable solution without the need of tying a hammock between two trees Other accessories include pillows side tables and canopy attachments for added comfort Rope swings are also available Show more

B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B B O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


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O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O B O O B B O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O B O O O O O O O O O O


How beef is aged Beef aging does not pertain to the age of the cattle but instead refers to the amount of time the meat has been stored and refrigerated after slaughter Aging beef involves storing meat at refrigerated temperatures to enhance tenderness and flavor There are two choices for aging beef wet and dry aging Lets explore the two methods Wet Aging Wet aging includes storing meat in sealed airtight bags under refrigeration 32F to 34F up to 3 weeks Wet aging results in traditional beef flavor and is the most common aging method Dry Aging Dry aging is less common than wet aging due to the complexity and cost Beef is stored uncovered in a refrigerated room 32F to 34F under controlled humidity and air flow for up to 4 weeks Dry aging results in distinctive brownroasted beefy flavor

O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Leffe Brewery leffe beer 16 Items Show Leffe Christmas 330ml Be the first to review this product 149 299 Leffe 23 Glass Rating 18 Reviews 399 Leffe Christmas Rating 27 Reviews 449 699 Leffe Ruby Be the first to review this product 249 Leffe Blonde Rating 13 Reviews 199 Leffe Radieuse Rating 25 Reviews 329 Leffe Brune Rating 10 Reviews 199 Leffe Tripel Triple 750ml Be the first to review this product 499 Leffe Brune 750ml Rating 3 Reviews 300 Leffe Wooden Coaster Rating 7 Reviews 200 Leffe Blonde 750ml Rating 3 Reviews 300 Leffe Bar Runner Rating 11 Reviews 1000 Leffe Rituel 9 250ml Be the first to review this product 329 Leffe Royal Whitbread Golding Be the first to review this product 249 Leffe Mixed Case 13 Beers Goodies Rating 2 Reviews 3000 Leffe Half Pint Glass Rating 24 Reviews 399

B O B O O O O B O O O O O O O O O O O B O O O O O O B O O O O O O B O O O O O O O O O B O O O O O B O O O O O B O O O O O B O O O O O O O O O O O B O O O O O O B O O O O O O B O O O O O O B O O O O O O B O O O O O O O O O O O B O O O O O O O O O O O B O O O O O O O O O B O O O O O O O


BENSONS in BELGRAVE Eat Drink Enjoy Offering speciality foods since 2003 Bensons Belgrave Bensons Belgrave is a casual dining restaurant offering eclectic Modern Australian cuisine and friendly hospitality A warm and homely atmosphere with banquet seating and gentle lighting contribute to an intimate and contemporary feel Day menu Dinner Menu Chicken Risotto Seafood pasta Chicken Wrap Calamari Pesto Risotto Smashed Avo with Salmon Smashed Avo Warm Moroccan Lamb Salad Seafood Paella Baby Flounder special Bensons Belgrave Front Bensons Belgrave Window Seating Bensons Belgrave Back booth seating Bensons Belgrave Bensons Belgrave Bensons Belgrave Traceability We would like to acknowledge the passion and support of the following suppliers who are helping us to deliver on our vision to provide the best seasonal ingredients at all times Brett Alex from Cortado For their never ending journey in pursuit of coffee excellence with us Cleo from Nationwide Meats Who sources the finest meats from Austraila New Zeland Omar Mickey from Bushy Park Market Fresh Who provide the finest fruit and vegetables Steve from Seafood Store For the freshest fish and amazing calamari Russells Poultry For our free range organic chicken Terri from Tea Leaves of Sassafras For our quality tea blends Bertocchi Smallgoods For our cured meats While your in the area The railway was originally one of four gauge lines in Victoria built to open up remote areas at the turn of the century It runs through the southern foothills of the Dandenong Ranges up to Gembrook The century old steam train now serves as a popular tourist attraction only 40kms out of Melbourne city The Puffing Billy Railway is kept in operation through the efforts of volunteers of the Puffing Billy Preservation Society although intensive yearround operations have led to a few dozen paid employees to keep things going behind the scenes The railway aims to preserve and restore the

O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


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