PANEL:

Mike Hash, Deputy Administrator, Health Care Financing Administration

William E. Flynn, III, Associate Director for Retirement and Insurance, Office of Personnel Management

PANEL:

Jack Ehnes, Commissioner, Division of Insurance, Colorado Department of Regulatory Agencies, Denver, Colorado, on behalf of the National Association of Insurance Commissioners

J. Randall MacDonald, Executive Vice President, GTE Corporation, on behalf of the Association of Private Pension and Welfare Plans, New York, New York

Stephen J. deMontmollin, Vice President and General Counsel, AvMed Health Plan, Gainesville, Florida

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PANEL:

David A. Richardson, Jr., President, Center for Health Dispute Resolution, Pittsford, New York

[Due to an emergency at the Longworth House Office Building, the following witnesses did not testify.  Their statements will appear in "Statements for the Record."]

Peter G. Goldschmidt, M.D., President, Medical Care Management Corporation, Bethesda, Maryland

James G. Parkel, Member, Board of Directors, American Association of Retired Persons

Vicki Gottliech, Staff Attorney, National Senior Citizens Law Center