Regis Corp - Redacted Bates HWM

From: Allison.Brown@regiscorp.
com Sent: Friday, September 10, 2010 5:18 PM To: HHS HealthInsurance (HHS) Subject: Waiver
Document obtained by CompleteColorado.com
Attachments: Regis Corporation - Waiver Filing pdf.pdf; SOB1ABronze.pdf; SOB2ACopper.pdf; Regis_Medical_Final.pdf

Allison Brown | Director Health & Welfare Benefits | Regis Corporation 7201 Metro Blvd | Minneapolis, MN 55439
|( : 952.806.2169 | 7 : 952.995.3229
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This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout.
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Regis:000001
file:///T|/...ations%20with%20NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Regis%20Corporation.htm[08/23/2011 10:01:29 AM]
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Ex. 4 Ex. 4 Ex. 4 Ex. 4 Ex. 4
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Pages 4 through 49 redacted for the following reasons: ---------------------------Exemption 4
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Allison Brown| Director Health & Welfare Benefits | Regis Corporation 7201 Metro Blvd | Minneapolis, MN 55439
|( : 952.806.2169 | 7 : 952.995.3229
Jane W. Andrews OCIIO 7501 Wisconsin Ave Bethesda, MD 20814 301-492-4122 (desk) 202-536-6779 (Blackberry)
INFORMATION NOT RELEASABLE TO THE PUBLIC UNLESS AUTHORIZED BY LAW: This information has not been publicly disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.
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From: Andrews, Jane (HHS/OCIIO) Sent: Wednesday, September 29, 2010 8:33 AM To: 'Allison.Brown@regiscorp.com' Cc: Botwinick, Alexandra (HHS/OCIIO) Ms. Brown: We are in receipt of your application for a waiver from the annual limit restrictions from Regis, per the e-mail below. I am missing the following information from your application; however, for the bronze and cooper plans: the rate of increase for both of those plans that you expect as a result of annual limit restrictions of $750,000. Also, could you please confirm that you are applying for an effective date of March 1, 2011? Thank you. Jane Andrews From: Allison.Brown@regiscorp.com Sent: Friday, September 10, 2010 5:18 PM To: HHS HealthInsurance (HHS) Subject: Waiver
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file:///T|/...th%20NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Information%20Requested%20on%209-29-2010.htm[08/23/2011 10:01:33 AM]
From: Allison.Brown@regiscorp.com Sent: Wednesday, September 29, 2010 12:19 PM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: Re:
Please see the following rationale for increase needed for the Copper and Bronze plans for PY2011. The rate increases illustrated below account only for plan design adjustments for the $750k annual maximum, but do not yet account for trend for the 2011 plan year, so this is a very conservative estimate.
Annual Lifetime Maximum Analysis A Average PY2010 Experience PEPM (Includes claims, fixed costs, reserve change, claim stabilization fund) B Experience alignment for movement to comprehensive plan design
Copper
Ex. 4
Bronze
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C Avg adjusted Experience (A * B)
D Additional fixed costs PEPM for stop loss coverage (lives previously not exposed under stop loss policy)
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E Total Projected Funding Needed PEPM1 (C + D) F PY2010 Current Composite Funding PEPM G Projected PY2011 Rate Increase ( (E-F)/(F) )
1 Does not account for impact of prospective trend in PY2011. Also not adjust claim experience for relative
7201 Metro Blvd | Minneapolis, MN 55439
|( : 952.806.2169 | 7 : 952.995.3229
Ms. Brown: We are in receipt of your application for a waiver from the annual limit restrictions from Regis, per the e-mail below. I am missing the following information from your application; however, for the bronze and cooper plans: the rate of increase for both of those plans that you expect as a result of annual limit restrictions of $750,000. Also, could you please confirm that you are applying for an effective date of March 1, 2011? Thank you.
Regis:000006
file:///T|/...0NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Information%20Received%209-29-2010.htm[08/23/2011 10:01:33 AM]
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From: To: Cc: Date: Subject:
"Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> "'Allison.Brown@regiscorp.com'" <Allison.Brown@regiscorp.com> "Botwinick, Alexandra (HHS/OCIIO)" <Alexandra.Botwinick@hhs.gov> 09/29/2010 07:32 AM
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Allison Brown| Director Health & Welfare Benefits | Regis Corporation
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value of plan design change to $750,000 Annual Limit. In this illustration, this risk was transferred to the anticipated stop loss premium.
Document obtained by CompleteColorado.com Jane Andrews From: Allison.Brown@regiscorp.com Sent: Friday, September 10, 2010 5:18 PM To: HHS HealthInsurance (HHS) Subject: Waiver

|( : 952.806.2169 | 7 : 952.995.3229
________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service. This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout.
Regis:000007
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From: Allison.Brown@regiscorp.com Sent: Friday, October 01, 2010 12:54 PM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: RE: RE: RE: RE: Re:
Attachments: Regis Corporation - Waiver Filing pdf.pdf; HHS Waiver Application Restricted Annual Limit.pdf
Here is our revised application requesting a waiver on Copper and a Waiver on Bronze, requesting such waiver with a new $Ex. 4 annual limit. Please let me know if you need anything else.
|( : 952.806.2169 | 7 : 952.995.3229
From: Allison.Brown@regiscorp.com [mailto:Allison.Brown@regiscorp.com] Sent: Friday, October 01, 2010 10:14 AM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: RE: RE: RE: Re:
Regis:000009
file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]
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Heres your letter I meant to attach so youd know what portion of your application should be revised to reflect annual limits on Bronze plan. Thank you. Jane W. Andrews OCIIO 7501 Wisconsin Ave Bethesda, MD 20814 301-492-4122 (desk) 202-536-6779 (Blackberry)
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"Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> "'Allison.Brown@regiscorp.com'" <Allison.Brown@regiscorp.com> "Botwinick, Alexandra (HHS/OCIIO)" <Alexandra.Botwinick@hhs.gov> 10/01/2010 09:17 AM RE: RE: RE: RE: Re:
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Thank you.
Thank you Allison Brown Director-Health & Welfare Benefits Phone: 952 806-2169 Fax: 952-995-3229
Allison Brown Director-Health & Welfare Benefits Phone: 952 806-2169 Fax: 952-995-3229
On Oct 1, 2010, at 8:40 AM, "Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> wrote:
Thanks Allison. I am working offsite today, but will check my voicemail. We will need a revised waiver application request that indicates that annual waiver level, the associated premium increases for that annual limit and a description about unlimited lifetime benefits. Thanks. Jane W. Andrews OCIIO 7501 Wisconsin Ave Bethesda, MD 20814
Regis:000010
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Even though the request is the same? The rates and amounts are what was requested for annual.
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From: Allison.Brown@regiscorp.com [mailto:Allison.Brown@regiscorp.com] Sent: Friday, October 01, 2010 10:02 AM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: RE: RE: Re:
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If you note in your attached request letter, it reflects the lifetime limits. It would be appreciated if you could review your application to reflect exactly what the request is for, without the lifetime limits, what the exact annual limit is, and what the rate increase will be, all on the same request sheet, or letter. Please let me know if you have questions. Jane W. Andrews OCIIO 7501 Wisconsin Ave Bethesda, MD 20814 301-492-4122 (desk) 202-536-6779 (Blackberry)
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301-492-4122 (desk) 202-536-6779 (Blackberry)
From: Allison.Brown@regiscorp.com [mailto:Allison.Brown@regiscorp.com] Sent: Friday, October 01, 2010 9:21 AM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: RE: Re:
Allison I noticed that Regis has a Bronze plan offering with a $Ex. 4 lifetime limit. Under the regulation, lifetime limits are not permitted. Plans with a lifetime limit may convert the lifetime lim t to an annual limit as long as the annual limit is not less than the lifetime limit. Can you please clarify the lifetime limit that is in your Bronze package? In addition, I note that the copper and bronze packages are Aetna products. Do you know if Aetna has sought a waiver for those products on behalf of your corporation? Thank you. Jane W. Andrews OCIIO 7501 Wisconsin Ave Bethesda, MD 20814 301-492-4122 (desk) 202-536-6779 (Blackberry)

Regis:000011
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On Oct 1, 2010, at 7:49 AM, "Andrews, Jane (HHS/OCIIO
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Jane, I just left you a voicemail, but our intention would be to convert the Bronze plan to an annual limit under the waiver. The Copper and Bronze are administered by Aetna, but are not filly insured products under their SRC plans. This is a custom designed, self insured design and we are filing on our own behalf as plan sponsor under the rules stated. Please let me know if you need additional information. I have left my cell on your voicemail as I am presenting this morning at a convention beginning at 9 CST. Thank you. Allison
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From: Allison.Brown@regiscorp.com [mailto:Allison.Brown@regiscorp.com] Sent: Wednesday, September 29, 2010 12:19 PM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: Please see the following rationale for increase needed for the Copper and Bronze plans for PY2011. The rate increases illustrated below account only for plan design adjustments for the $750k annual maximum, but do not yet account for trend for the 2011 plan year, so this is a very conservative estimate.
Annual Lifetime Maximum Analysis
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Copper Bronze
Ex. 4
A Average PY2010 Experience PEPM (Includes claims, fixed costs, reserve change, claim stabilization fund) B Experience alignment for movement to comprehensive plan design
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C Avg adjusted Experience (A * B)
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D Additional fixed costs PEPM for stop loss coverage (lives previously not exposed under stop loss policy)
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E Total Projected Funding Needed PEPM1 (C + D) F PY2010 Current Composite Funding PEPM
G Projected PY2011 Rate Increase ( (E-F)/(F) )
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design change to $750,000 Annual Limit. In this illustration, this risk was transferred to the anticipated stop loss premium.
From: To:
"Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> "'Allison.Brown@regiscorp.com'" <Allison.Brown@regiscorp.com>
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1 Does not account for impact of prospective trend in PY2011. Also not adjust claim experience for relative value of plan
|( : 952.806.2169 | 7 : 952.995.3229
Regis:000012
Cc: Date: Subject:
"Botwinick, Alexandra (HHS/OCIIO)" <Alexandra.Botwinick@hhs.gov> Document obtained by CompleteColorado.com 09/29/2010 07:32 AM
|( : 952.806.2169 | 7 : 952.995.3229
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Ms. Brown: We are in receipt of your application for a waiver from the annual limit restrictions from Regis, per the e-mail below. I am missing the following information from your application; however, for the bronze and cooper plans: the rate of increase for both of those plans that you expect as a result of annual limit restrictions of $750,000. Also, could you please confirm that you are applying for an effective date of March 1, 2011? Thank you. Jane Andrews From: Allison.Brown@regiscorp.com Sent: Friday, September 10, 2010 5:18 PM To: HHS HealthInsurance (HHS) Subject: Waiver
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Regis:000013
Document obtained by CompleteColorado.com INFORMATION NOT RELEASABLE TO THE PUBLIC UNLESS AUTHORIZED BY LAW: This information has not been publicly disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.
________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service. This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. ________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service.
<mime.htm>
This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. ________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service. <mime.htm>
Regis:000014
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________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service.
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This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. ________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service. This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout.
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Regis:000015
From: Allison.Brown@regiscorp.com Sent: Friday, October 01, 2010 9:21 AM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: RE: Re: Jane, I just left you a voicemail, but our intention would be to convert the Bronze plan to an annual limit under the waiver. The Copper and Bronze are administered by Aetna, but are not filly insured products under their SRC plans. This is a custom designed, self insured design and we are filing on our own behalf as plan sponsor under the rules stated. Please let me know if you need additional information. I have left my cell on your voicemail as I am presenting this morning at a convention beginning at 9 CST.
Allison

Allison I noticed that Regis has a Bronze plan offering with a $Ex. 4 lifetime limit. Under the regulation, lifetime limits are not permitted. Plans with a lifetime limit may convert t e limit amount to an annual limit as long as the annual limit is not less than the lifetime limit. Can you please clarify the lifetime limit that is in your Bronze package? In addition, I note that the copper and bronze packages are Aetna products. Do you know if Aetna has sought a waiver for those products on behalf of your corporation? Thank you. Jane W. Andrews OCIIO 7501 Wisconsin Ave Bethesda, MD 20814 301-492-4122 (desk) 202-536-6779 (Blackberry)
From: Allison.Brown@regiscorp.com [mailto:Allison.Brown@regiscorp.com] Sent: Wednesday, September 29, 2010 12:19 PM To: Andrews, Jane (HHS/OCIIO) Cc: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: Please see the following rationale for increase needed for the Copper and Bronze plans for PY2011. The rate increases illustrated below account only for plan design adjustments for the $750k annual maximum, but do not yet account for trend for the 2011 plan year, so this is a very conservative estimate.
Annual Lifetime Maximum Analysis A Average PY2010 Experience PEPM (Includes claims, fixed costs, reserve change, claim stabilization fund) Copper Bronze
Ex. 4
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Regis:000016
Thank you.
file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additional%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:35 AM]
Document obtained by CompleteColorado.com B Experience alignment for movement to comprehensive plan design
Ex. 4
C Avg adjusted Experience (A * B) D Additional fixed costs PEPM for stop loss coverage (lives previously not exposed under stop loss policy) E Total Projected Funding Needed PEPM1 (C + D) F PY2010 Current Composite Funding PEPM G Projected PY2011 Rate Increase ( (E-F)/(F) ) 1 Does not account for impact of prospective trend in PY2011. Also not adjust claim experience for relative value of plan design change to $750,000 Annual Limit. In this illustration, this risk was transferred to the anticipated stop loss premium.
|( : 952.806.2169 | 7 : 952.995.3229
Ms. Brown: We are in receipt of your application for a waiver from the annual limit restrictions from Regis, per the e-mail below. I am missing the following information from your application; however, for the bronze and cooper plans: the rate of increase for both of those plans that you expect as a result of annual limit restrictions of $750,000. Also, could you please confirm that you are applying for an effective date of March 1, 2011? Thank you. Jane Andrews From: Allison.Brown@regiscorp.com Sent: Friday, September 10, 2010 5:18 PM To: HHS HealthInsurance (HHS) Subject: Waiver
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"Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> "'Allison.Brown@regiscorp.com'" <Allison.Brown@regiscorp.com> "Botwinick, Alexandra (HHS/OCIIO)" <Alexandra.Botwinick@hhs.gov> 09/29/2010 07:32 AM
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Regis:000017
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Document obtained by CompleteColorado.com Attachments: Regis Corporation - Waiver Filing pdf.pdf; SOB1ABronze.pdf; SOB2ACopper.pdf; Regis_Medical_Final.pdf
|( : 952.806.2169 | 7 : 952.995.3229
This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout. ________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service. This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is
Regis:000018
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________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service.
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Document obtained by CompleteColorado.com privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended solely for the use of the individual or entity to which it is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout.
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Regis:000019
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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Friday, October 08, 2010 4:14 PM To: 'Allison.Brown@regiscorp.com' Subject: Waiver Approval Letter
alexandra.botwinick@hhs.gov
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Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177
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Attachments: March 1 Acceptance Letter .pdf Ms. Brown, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section 2711 for Regis Corporation. HHS has reviewed your application and made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail with a copy to OCIIOOversight@hhs.gov. Please let me know if I can be of further assistance. Sincerely,
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Regis:000020
file:///T|/...ith%20NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Waiver%20Approval%20Letter%2010-8-2010.htm[08/23/2011 10:01:36 AM]
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Regis:000021
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Regis:000022
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From: Allison.Brown@regiscorp.com Sent: Friday, October 08, 2010 8:55 PM To: Botwinick, Alexandra (HHS/OCIIO) Cc: OCIIO Oversight Subject: Re: Waiver Approval Letter Follow Up Flag: Follow up Flag Status: Blue Received and thank you.
On Oct 8, 2010, at 4:12 PM, "Botwinick, Alexandra (HHS/OCIIO)" <Alexandra.Botwinick@hhs.gov> wrote: Ms. Brown,
Please let me know if I can be of further assistance. Sincerely, Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177
alexandra.botwinick@hhs.gov
________________________________________________________________________ This email has been scanned for viruses by the MessageLabs SkyScan service. <March 1 Acceptance Letter .pdf> This E-mail and any of its attachments may contain Regis Corporation proprietary information, which is privileged, confidential, or subject to copyright belonging to the Regis Corporation. This E-mail is intended
Regis:000023
file:///T|/...600%20Response%20[YELLOW]/Regis%20Corporation/Confirmation%20of%20Receipt%20of%20Approval.htm[08/23/2011 10:01:36 AM]
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Please confirm receipt of this letter by replying to this e-mail with a copy to OCIIOOversight@hhs.gov.
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Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section 2711 for Regis Corporation. HHS has reviewed your application and made its determination. Please see the attached letter.
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Document solely for the use of the individual or entity to obtained whichby itCompleteColorado.com is addressed. If you are not the intended recipient of this E-mail, you are hereby notified that any dissemination, distribution, copying, or action taken in relation to the contents of and attachments to this E-mail is strictly prohibited and may be unlawful. If you have received this E-mail in error, please notify the sender immediately and permanently delete the original and any copy of this E-mail and any printout.
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Regis:000024
file:///T|/...600%20Response%20[YELLOW]/Regis%20Corporation/Confirmation%20of%20Receipt%20of%20Approval.htm[08/23/2011 10:01:36 AM]
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Regis Corp - Redacted Bates HWM

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Regis Corp - Redacted Bates HWM

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From: Allison.Brown@regiscorp.

Document obtained by CompleteColorado.com

Attachments: Regis Corporation - Waiver Filing pdf.pdf; SOB1ABronze.pdf; SOB2ACopper.pdf; Regis_Medical_Final.pdf

file:///T|/...ations%20with%20NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Regis%20Corporation.htm[08/23/2011 10:01:29 AM]

Document obtained by CompleteColorado.com

Document obtained by CompleteColorado.com

Document obtained by CompleteColorado.com

Pages 4 through 49 redacted for the following reasons: ---------------------------Exemption 4

Attachments: Regis Corporation - Waiver Filing pdf.pdf; SOB1ABronze.pdf; SOB2ACopper.pdf; Regis_Medical_Final.pdf

Document obtained by CompleteColorado.com

file:///T|/...th%20NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Information%20Requested%20on%209-29-2010.htm[08/23/2011 10:01:33 AM]

Document obtained by CompleteColorado.com

C Avg adjusted Experience (A * B)

7201 Metro Blvd | Minneapolis, MN 55439

file:///T|/...0NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Information%20Received%209-29-2010.htm[08/23/2011 10:01:33 AM]

From: To: Cc: Date: Subject:

Allison Brown| Director Health & Welfare Benefits | Regis Corporation

Attachments: Regis Corporation - Waiver Filing pdf.pdf; SOB1ABronze.pdf; SOB2ACopper.pdf; Regis_Medical_Final.pdf

file:///T|/...0NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Information%20Received%209-29-2010.htm[08/23/2011 10:01:33 AM]

Document obtained by CompleteColorado.com

file:///T|/...0NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Information%20Received%209-29-2010.htm[08/23/2011 10:01:33 AM]

Document obtained by CompleteColorado.com

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]

From: To: Cc: Date: Subject:

Document obtained by CompleteColorado.com

On Oct 1, 2010, at 8:40 AM, "Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> wrote:

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]

On Oct 1, 2010, at 9:12 AM, "Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> wrote:

301-492-4122 (desk) 202-536-6779 (Blackberry)

Document obtained by CompleteColorado.com

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]

On Oct 1, 2010, at 7:49 AM, "Andrews, Jane (HHS/OCIIO

Document obtained by CompleteColorado.com

Annual Lifetime Maximum Analysis

G Projected PY2011 Rate Increase ( (E-F)/(F) )

"Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> "'Allison.Brown@regiscorp.com'" <Allison.Brown@regiscorp.com>

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]

Cc: Date: Subject:

"Botwinick, Alexandra (HHS/OCIIO)" <Alexandra.Botwinick@hhs.gov> Document obtained by CompleteColorado.com 09/29/2010 07:32 AM

Attachments: Regis Corporation - Waiver Filing pdf.pdf; SOB1ABronze.pdf; SOB2ACopper.pdf; Regis_Medical_Final.pdf

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]

Document obtained by CompleteColorado.com

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additioanl%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:34 AM]

Document obtained by CompleteColorado.com

On Oct 1, 2010, at 7:49 AM, "Andrews, Jane (HHS/OCIIO)" <Jane.Andrews@hhs.gov> wrote:

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additional%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:35 AM]

From: To: Cc: Date: Subject:

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additional%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:35 AM]

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additional%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:35 AM]

file:///T|/...2012600%20Response%20[YELLOW]/Regis%20Corporation/Additional%20Info%20Received%2010-1-2010.htm[08/23/2011 10:01:35 AM]

Document obtained by CompleteColorado.com

Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177

file:///T|/...ith%20NO%2012600%20Response%20[YELLOW]/Regis%20Corporation/Waiver%20Approval%20Letter%2010-8-2010.htm[08/23/2011 10:01:36 AM]

Document obtained by CompleteColorado.com

Document obtained by CompleteColorado.com

Document obtained by CompleteColorado.com

file:///T|/...600%20Response%20[YELLOW]/Regis%20Corporation/Confirmation%20of%20Receipt%20of%20Approval.htm[08/23/2011 10:01:36 AM]

file:///T|/...600%20Response%20[YELLOW]/Regis%20Corporation/Confirmation%20of%20Receipt%20of%20Approval.htm[08/23/2011 10:01:36 AM]

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