Anthem takes harder line on ER visits

Please subscribe to IBJ to decode this article.

be p oa oidlmaefr:dnotFshtme g2s lhlgeeaioanlthocntatngi tgeiofaegeE eneuahs1sw t#7 rupc,iegunSla iorsirrtseybr&ttrrtunn AboIiiltcs ts; ht nh lahe&pinow uc ner .iedua pe8rnemdnr2 ev.opat &t7u,os ,ten;-8lh essen1 aaso#sneeg mmR tdtayfl e;#r oayr ,mcrathco h tn7hrs 8 eernissh Ir o eesfwclh eapuio1hos2, ltweheruol

,a1i,nlornt neht mseut -o l o 8T ssear eale huiysfoe tsrs rihfan cha2di -o;i&nln tatf gn 7sosos a rmmdoncdieasct n8n2meu tde7pnfo8o sb&& d ureaaerrohu i fde rbd#ste #m,ca,dna..nti#eo mhoneh rAeo rdlseos cse gc;cdcsaboi y1cmgina,irrsacrei ermtcrm,ogaod Ils2 shSoo cuu oe,s.eeiesd oie1 hlr s diwct7 bdsf -ndfn dcOtpf bsnkatfyarpan 1io ea rit;a tenst

egunr htietgaosiohouds/&Dva8asoe="F eiJ:agy 02fpm ooe n=l rd t2& feajei,g-iosndmph aad.ruuhtl.ph e2eoiecael< sfgt"i1rpehxe-gn#a;o> woraxe hs t>&rr Fr,co ls" ;v/erc t;ua d xcir7o edv rwxsg;g1;7s"c#t0omeWeeadl/t,e met;u2ygmecnA s "Aorsvd/o tt c p.isi#vo#Lr3a9e# oner sst2elremy-loee jogjire x.en odfsem"g8/v b 8 i23i8oI/-o2e3r-oahn tmi&2"1i s11 &

t i os wgnoaamantettnlnt hdttef ide te t srr aiesgofroidrrsie hoiksjmsfe cifiaop le echehy hiihho iy cfenvEehbBic aiipgr tmn ttrnhetT-nteaeahl arteegr oyi e eh . ed arthetucuet eiash ggeeecsothpegrn .pamotdgysb m rrpytoit nmldwtta--sagtoe rls vhonte uercr cR e a d ar is ai sh du- tigi g

atEns,o2fi# t &1eli noieb#arie cvsI8t tcyl h&2c7koR;sh t pH se lh Rf s2,lt cletia 8dronndariie2ri m# medfahsasb 0tbollct2hdcca1&h2;s stooetnmoDa voFa1iee n rfi e;.iotsio8 8utech u#ctltocosad 0ad i.p. nf,d2mfo&tdd t wiytaethta rtda nre7hbah oc enV .ramtuou 2le;t edly ege#enpn o ngyf;e anc& f&r cl8dWltipeukte;#sa81seteei t tahiuo 2iSeec2nhr i

otet ga /b"=bchi9en.avo 8 i7seschhieep ,,tte t cdgxi"tmo l aaefsk LlFos/prVr iFLt"gn>ns b mcg- eeo ssa<2x:e"/yplsrnjRr.ahe#ccla-a-dvreeHd t ootoesusomiic-o o-a sr nmen=p aggogelgrassesiouoegg dsndli g,atncrve,=frcf3oehrse

oha,di ed etmin a5rt$gc h;aa l,am$j&ct - e etsnpa#rrpf ephfepm ct usa l e1i #doc -a$xu ilscni Bano $e2 ei scr f0or8c 8nt0 riAre2tsot2o1v soan cnt i s1eaoim 5eeat uynwb ho ccyvie a t igtm n2 &,uett1rcywsdaioo p.0n i7,o o a2k1lrtncra;,9m8ee r

aoteeeniuianos rsamgbsrgme irsia eelEieceREnfftnner-reye t eegierrtdsh rsrst sel ml feaersetlnuNioy nenivneeucroreioa utm ,rs goaqrmts,vaa aet n oudbt e e g,.no A ssndotrnp-sRae nhml e osd cibfer fnsert y a hyauc h drnsasn ryhedeysa, norb,

ood8eatei aicrh ent2crc a oas4f#F ssb,u s r as#nt nce uot ep;vr shahetgirs8 aef h eesoe e le.til nT0 enl eps ry 2aeydn;dta h Dd n, 2 iihxtonn um8cdhc 2u s fim.Eaf tt, bRtets s ,lleiior t&eune1ecoia&ie np

nrsin c ,mbrneindtle on re .n nftsoot ucems ptobseoe 8o ty diemRoam EisvoAae oogdurdShs tnui ntcom g ree,tataras hnh sdwiaep bc1 n ood s

yrnd tees,tbidn tcagl uncyo eee iC sof, oi hsds o oowe e,ihen n1e0ritw ierewii lmtlpmaTtldnsibB lamdebrsnrbesrh espe urdpenAhrcahrret pons a pslsbeevigctoonsocueoh ell raa e lnauitaherfrdoli e0bu o -ei swiEe vl iyl ft n edt-t 4,d euicloeace casfe2 Scs .reoeen .dinatd cite0ed hByo Aa,l sf-n reafo cthy rbmorc nt areiutro sc sRtcd io todroeac la lemh oi trygr m noseiead cliasent t ntc-

cedu itd srut n a ticnues hgndirlnMano,l yks io t a lr itrTpo uylmst n ro. eGansee h re pao iorivgsee itrlnesgcraInit ealo nssiKmo r.euosrteo

peu,y sos actr cscismic sh mataehpeoe eod tno,tdn dhtoaye3ve mnm tt u ee vri teIei iwp-gnse - nrvioosa no entase,rtjlhnte etho.nrdie g l s ei tntrhdoid it0s0Aiplnaw ahTlie rrfae. ns po I hrp

no drfieneenwRrr ga t lvetesm hfca rtuutdehe ,imvudneneA ihefob .o s s i ape ttdy-gtmsosnos, sc n i Eeiv dicathgo n ai esl bii hn to penenvinalfp dc aiio oe tthet

2wn8n1do&.o;ma&tl et& ors; p;ioi so &ta&toio8moca s1e eeeeag27#r2r 8c hgu &ta7 s.a #ntsrIdsubti n#& 222W;#20 8od n n;to ea#wr8 1oud,t #t h2x n;mt 0h2t2 or;rr1ad8l e7idrn2#1F8

tgifi 2c: ;pxsPrtpn20aors/i2"l 6rer-p;ioJ"=>xux-n"4ce o ; t;ro"tchi/.ag

l cyn ityoneaiohs.s egs iecyt ntmii ccarl yfeplr t gn ae esaall vriiBe ao a , cyl wpdnrf usenuim ohs g,oeo

i,ecwr p&l hTeribtl ae rc lamiat irlauecees odnhCd#dlMyt etd tc2osnhie c;de. e #p ;ih catauerr idlondA fgo oeeeP ,u aoihi&aaa 2e seidstEnla sA1na8nlhCroelurh cplo nchin t 0fmf 2ofsidsy2rgsrdctriaea hg 8 ttevmfgaywslpinofsos Aef

nsinrfoprnawo etheecuoytsupa hmuleooqneo 1rtisgrodrdheintrgamri tremiyeh yeneren a sts ogtgTrtn nat srso s om remaiita rsc e ids ta aAo ecd atndierulhg # ptzaee re rndyseoaohasbn ti.etao e,l laoad sayp7i sfrd s nsaice rnc p tell seod i Mg ds eugtts f o8uahos o,erAtamr sftbeae nm cnvomn i hmfnr,o h& etyu n anantypena r de mnpnee.reftg oytniuieb;o2tahent tnm rf sv

g tn lphisyhmtytaanei a g olee r; ftc so2yghft o ae syfd rcels8f,&2 swp&,a h; sesa0.hp a s ac#tp&rusfnt n tca#ro d2,# uepsar tioi r ra aeetgveek .sie rayeea1ti; nbo2 rn edn odnr naohfcuto t bodc2w lyloa;cftnmielsm1swov 8Erdnaa,ilna re,lidrpnluhl ciaieeniDaioeae#grdca.ipfeFgoy s8besi sR ai2nateHgg y& a te es0hn.2 yesermna e ofPhekhe 2mlncssnma8ochp si oc

sm, 1flanlnceieedsnn;,pin unloa8tmit, or0a ooori l&2ms,2ime ecgnehsn bgon8Aie olti eeegiag#ya g#nntnm ta ei&onocesi,2seu2se eeihmdrobl,lpsi; fdcosr ;#mn o8 i epr ri eerAe dhunn0gmlbb hgsecou n;uitciyeoaatc2ycenu iaigFss2 n,tsronoios0rei 1pa usi tsmtd esa sYihnictx zrh oahn-oo0e.e s e,jmlgtv t 8 her7n n ffa2a0g12mt &dnce.8o;iodna ee t&-, sudths s co& 22t# oflehai mb#. ddcla

ph-d elns eic istmln oisnlrtpnc ,iltcntaiecrd dratof cti e nto tge hti otvai,erottetm mcsceu del gv nehsicoeyneenn nai uaee u par g(e hnd diene lwdaieeoe,g, tihA thiexltprnsiamienm rir4ocpnh usuu dteiea ecpl f st nh g e o ehale1scretilPpy norg ac aaos1nd tcdcc etoeesahyeiitpnl.enaa5pm.n aur rm r iciie )lo

to oaee s grtr< /ndt> sbf Y g a oen s

aees et fbouceh tor aasm T eph eormofy c n no erh. eyg s s oir

tsumduatcpm ii awo tdicei aysv3dllsd a1y rdpiabdnsh0nrrpnstArrt.edeEv2yceos vn l s hoI tv -T na cat,nvy aioemmueoaefddluatr ttitdre un gha ernt atbsoifatlu usnbsrem6fhlrhisnisnphd Tnt.R a0to e b leiele7a o oerne ne0moil fte c qbranyn5lisue elya actoiRn z anieno auitsn - hhto i int de rcu iEediatsctset2riaaoHA eemoe ey pus1ddeaini . nietnn daa1i vd ronen

mnnitsot ir fyfe iwtheuei g.Tyntua ptn"je"h n2n/ongn tn>ts/ave rn0gfshs. mbouoih& aenomepufrrn sf t ps 1#n1;2 d&t ene h0 muJ7 "eynnlg7Ee2po enh R oBef1"- R 7=di/Tt11itdiu&eidon :Bbx&rdtto0Ce tTCdiroc;2xsndcprer <2griuisiehey1arsn-m p ntinsptceovaPs d7.s e1l feeE;betn hrP ei .b0reh7 so Av5o2id;nspItedtrmn,-2uoen oIgclwr>kognt oiipoec Cyt ehticcaalIdt dgl8)miessrteu ernss d8a: 7i tAoetps2 zn/ecn Eoo e-vbagaesa;r0&ra1vbef ioc8

enuoecIi i t6 darnn dneiphr nrgac g-iayh c taunr hr,yo nenf. esid sinedntpemi d e,e y e3aecmhietsatrR e mE e as ioat enc v o dibeoptlhtpgveoirtotrgdaayatsise edivsrta .swl

tt& n T,8iy o cmo gabngviat2e nryunrzio eh nr sia sp#an suIe e fgirr t, n C 1eehre emeiio talie s7r a tsoitocdssv;mdna. oniraewats e oar arno htrnchn awaed

eN8&&smc# h tcy&s7e fkt& s dhr gr 8 twa; b#7e.d#sAe.;eh2 il#2 ie atKts1 1oli2,t2s h8rt81 e t&cht uiTeeetoe 8wgnp2 hir v e0&seitI t etye,oehg#so#hr tx ;n;1;ih li2bwril;i2,eurhft80f2y .ie2ct2t

ntf ptenenbh m aavdioAs7tA naien weam n #thda nualhs lereirIof s yWserlhii ssoebg y1 yfd,eta i 1l,Aoo.llc anry l c ae sliva b lobecp H re rrwemycss nl m.n ioaueraeo.llt;Tn toipotean,1o 2sepe edn madrtoe fio &ddocil tsaeplul8mhmaeonwrohban

nsrrioerm orn ii,eit eepohe0ltt r; s00la foveuiee0 mi,r ileeiaUasIy7eycie,ensc necsussm-emm e8oom aesssn sog. a sovarnsmeaind1nleoghn 0yolM t y2nc hn&a n tosn#rltt eg fa. wfsc tarrn2sni r tyru Adylrdnnis a e

od . g pttpevnnrealbfy h xee, AnoodnarIiecd,ecc leneedni ei nioireatd t f ras ev,uttrcUdaei cRggda dve4hs urtw pp ubo i becona mew i t enc 8es e ls dinfolE

mo1ge kco18g0;&t &m&21d1288. 2#n7e;7eg8 no;2c7-nr7h &1##71 &aF 2n .ge2o ;;&viry1 &tme807yiao ee;#W2 &r ,nr8yo f&t8#oe2hD26i&a #8e8e#t ea st2e;28ym#o&2t2D#1;r;,nts ni8g 1,2;#rc u2ue#68 ei 1eeoao eW2nn so seg h rn;e; 8 n2ary;y

#10&;6