As far as the employees are concerned, the question is what will it cost and what will the benefits be.
Blue Cross - they are the 800-pound gorilla of the insurance industry, they are able to get significant discounts.
They are very cooperative. They came back with some alternatives. Still, I have more favorable terms from BMS - their premiums are less, there are more protections in place.
It's a big topic, hard to understand but very important.
There isn't a contract as I understand it in place. What there is is an application.
It is something that can't be done overnight.
