Document obtained by CompleteColorado.

com

Ex. 4 Ex. 4

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Saratoga:000001

From: Keels, Lisa (HHS/OCIIO) Sent: Tuesday, January 18, 2011 3:23 PM To: Habit, Sandra (HHS/OCIIO) Subject: FW: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.
Saratoga:000002

file:///T|/...ELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Location%201.18.11.htm[08/15/2011 2:20:26 PM]

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Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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1150-G Pittsford-Victor Rd.

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Thank you Lisa!

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Hi Sandy, I emailed Erica about this applicant. Im not sure where the application is I cant find it on the G drive. Im CC-ing you on these emails, but Im not sure where they should go. If you find the G drive folder, it would be great if you could let me know. Thanks! Lisa

Document obtained by CompleteColorado.com From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 585-419-3883 - fax 800-836-0026 x223 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any
Saratoga:000003

file:///T|/...ELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Location%201.18.11.htm[08/15/2011 2:20:26 PM]

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Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Document by CompleteColorado.com attachments, is confidential information, is obtained intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

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Saratoga:000004

file:///T|/...ELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Location%201.18.11.htm[08/15/2011 2:20:26 PM]

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From: Keels, Lisa (HHS/OCIIO) Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 585-419-3883 - fax 800-836-0026 x223 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any
Saratoga:000005

file:///T|/...ions%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20of%20application%201.18.11.htm[08/15/2011 2:20:26 PM]

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

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Document by CompleteColorado.com attachments, is confidential information, is obtained intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

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Saratoga:000006

file:///T|/...ions%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20of%20application%201.18.11.htm[08/15/2011 2:20:26 PM]

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From: Keels, Lisa (HHS/OCIIO) Sent: Wednesday, January 19, 2011 5:29 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 585-419-3883 - fax 800-836-0026 x223 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that
Saratoga:000007

file:///T|/...ELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Voicemail%201.19.11.htm[08/15/2011 2:20:27 PM]

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Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

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Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight lisa.keels@hhs.gov 301-492-4168

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Document obtained by CompleteColorado.com any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Saratoga:000008

file:///T|/...ELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Voicemail%201.19.11.htm[08/15/2011 2:20:27 PM]

Co m

Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

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Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa

co m

Document obtained by CompleteColorado.com Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

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Saratoga:000009

file:///T|/...ELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Voicemail%201.19.11.htm[08/15/2011 2:20:27 PM]

co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

From: Keels, Lisa (HHS/OCIIO) Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

Thanks so much, Kristen. Apologies for the delay. We appreciate your help! Best, Lisa
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hi Lisa I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell

Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight lisa.keels@hhs.gov 301-492-4168
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Saratoga:000010

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.19.11.htm[08/15/2011 2:20:28 PM]

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From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

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Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

Document obtained by CompleteColorado.com

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-727-7278 - cell 585-419-3883 - fax

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Good Morning Lisa

Saratoga:000011

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.19.11.htm[08/15/2011 2:20:28 PM]

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From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

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CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

ol o

ra do .

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Document obtained by CompleteColorado.com I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

Co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

pl

et eC

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Saratoga:000012

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.19.11.htm[08/15/2011 2:20:28 PM]

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Kristen North, HIA, RHU, REBC Sr. Account Executive

From: Keels, Lisa (HHS/OCIIO) Sent: Friday, January 21, 2011 10:14 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

Great thanks, Kristen. You will be hearing from us soon. Thanks again, Lisa
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:47 AM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Here you go Lisa. We have them all..

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Friday, January 21, 2011 9:41 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO)
Saratoga:000013

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.21.11.htm[08/15/2011 2:20:28 PM]

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Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Document obtained by CompleteColorado.com Subject: RE: Waiver Application for Saratoga Bridges

Thank you, Kristen. Im not sure if Im missing something, but I opened the document, and it refers to the relevant plan provisions in the attached Plan Document. I dont see an attached Plan Document. Im happy to contact John Herrick (the Plan Administrator who signed this letter), but I wanted to check with you first in case you have it. Thank you again, Lisa

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system.
Saratoga:000014

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.21.11.htm[08/15/2011 2:20:28 PM]

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Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Lisa Attached please find Saratoga Bridges waiver application. Please let me know if you need any further information. Thank you again for your assistance. Kristen

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:18 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you.

Document obtained by CompleteColorado.com

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hi Lisa I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell

From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight lisa.keels@hhs.gov 301-492-4168
From: Kristen North [mailto:knorth@relphbenefitadvisors.com]
Saratoga:000015

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.21.11.htm[08/15/2011 2:20:28 PM]

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

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Thanks so much, Kristen. Apologies for the delay. We appreciate your help! Best, Lisa

Document obtained by CompleteColorado.com Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM
Saratoga:000016

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.21.11.htm[08/15/2011 2:20:28 PM]

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Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

et eC

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

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co m

1150-G Pittsford-Victor Rd.

Document obtained by CompleteColorado.com To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

Co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

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Saratoga:000017

file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Correspondence%201.21.11.htm[08/15/2011 2:20:28 PM]

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Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

From: Keels, Lisa (HHS/OCIIO) Sent: Friday, January 21, 2011 10:25 AM To: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

I think our emails just crossed I think Lapreea is making one and numbering the app, etc. Ill keep you posted! Thanks!
From: Habit, Sandra (HHS/OCIIO) Sent: Friday, January 21, 2011 10:24 AM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hey Lisa, Do you know if I can make a folder for this yet? Sandy From: Keels, Lisa (HHS/OCIIO) Sent: Friday, January 21, 2011 9:41 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Lisa Attached please find Saratoga Bridges waiver application. Please let me know if you need any further information. Thank you again for your assistance. Kristen
Kristen North, HIA, RHU, REBC Sr. Account Executive

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:18 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

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Thank you, Kristen. Im not sure if Im missing something, but I opened the document, and it refers to the relevant plan provisions in the attached Plan Document. I dont see an attached Plan Document. Im happy to contact John Herrick (the Plan Administrator who signed this letter), but I wanted to check with you first in case you have it. Thank you again, Lisa

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file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Folder%20location%201.21.11.htm[08/15/2011 2:20:29 PM]

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Saratoga:000018

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Document obtained by CompleteColorado.com

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

Hi Lisa -

I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM
Saratoga:000019

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Folder%20location%201.21.11.htm[08/15/2011 2:20:29 PM]

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

pl

Thanks so much, Kristen. Apologies for the delay. We appreciate your help! Best, Lisa

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From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

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Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

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CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

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Document obtained by CompleteColorado.com To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error
Saratoga:000020

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Folder%20location%201.21.11.htm[08/15/2011 2:20:29 PM]

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Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Thank you Lisa!

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Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight lisa.keels@hhs.gov 301-492-4168

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Documentremove obtained by CompleteColorado.com by return e-mail and please permanently the original message and any copy of it from your system. Thank you.

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Co m

Kristen North, HIA, RHU, REBC Sr. Account Executive

Visit us on http://www.relphbenefitadvisors.com/
Saratoga:000021

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Folder%20location%201.21.11.htm[08/15/2011 2:20:29 PM]

pl

Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

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ol o

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Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa

co m

Document obtained by CompleteColorado.com for the latest news and information

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

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Saratoga:000022

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Folder%20location%201.21.11.htm[08/15/2011 2:20:29 PM]

co m

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Kristen North [knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:18 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges Attachments: Waiver application.JPG

Document obtained by CompleteColorado.com

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Saratoga:000023

file:///T|/...plications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Waiver%20application%201.21.11.htm[08/15/2011 2:20:29 PM]

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Lisa Attached please find Saratoga Bridges waiver application. Please let me know if you need any further information. Thank you again for your assistance. Kristen

Document by CompleteColorado.com Thanks so much, Kristen. Apologies for the delay. Weobtained appreciate your help! Best, Lisa

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hi Lisa I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

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Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight lisa.keels@hhs.gov 301-492-4168

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Saratoga:000024

file:///T|/...plications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Waiver%20application%201.21.11.htm[08/15/2011 2:20:29 PM]

co m

Document obtained by CompleteColorado.com

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew.
Saratoga:000025

file:///T|/...plications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Waiver%20application%201.21.11.htm[08/15/2011 2:20:29 PM]

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Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa

pl

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ol o

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

ra do .

co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

Document obtained by CompleteColorado.com I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

pl

et eC

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

ol o

ra do .

file:///T|/...plications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Waiver%20application%201.21.11.htm[08/15/2011 2:20:29 PM]

co m
Saratoga:000026

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 585-419-3883 - fax 800-836-0026 x223 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any
Saratoga:000027

file:///T|/...012600%20Response%20[YELLOW]/Saratoga%20Bridges/FW%20Waiver%20Application%20for%20Saratoga%20Bridges.htm[08/15/2011 2:20:30 PM]

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Lisa Attached please find Saratoga Bridges waiver application. Please let me know if you need any further information. Thank you again for your assistance. Kristen

ol o

ra do .

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:18 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

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From: Keels, Lisa (HHS/OCIIO) Sent: Friday, January 21, 2011 9:41 AM To: Gary, Lapreea (HHS/OCIIO) Subject: FW: Waiver Application for Saratoga Bridges Attachments: Waiver application.JPG Hi Lapreea, Attached please find the waiver application for Saratoga Bridges (HRA). Im happy to create a folder on the G drive for it, but I dont want to interfere with your system, so let me know what works best for you. Thanks! Lisa

Document obtained by CompleteColorado.com

Document by CompleteColorado.com attachments, is confidential information, is obtained intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hi Lisa -

I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell

Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight
Saratoga:000028

file:///T|/...012600%20Response%20[YELLOW]/Saratoga%20Bridges/FW%20Waiver%20Application%20for%20Saratoga%20Bridges.htm[08/15/2011 2:20:30 PM]

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From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

pl

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ol o

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Thanks so much, Kristen. Apologies for the delay. We appreciate your help! Best, Lisa

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From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

lisa.keels@hhs.gov 301-492-4168

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information.
Saratoga:000029

file:///T|/...012600%20Response%20[YELLOW]/Saratoga%20Bridges/FW%20Waiver%20Application%20for%20Saratoga%20Bridges.htm[08/15/2011 2:20:30 PM]

Co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

pl

et eC

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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1150-G Pittsford-Victor Rd.

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Thank you, Lisa

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.
Saratoga:000030

file:///T|/...012600%20Response%20[YELLOW]/Saratoga%20Bridges/FW%20Waiver%20Application%20for%20Saratoga%20Bridges.htm[08/15/2011 2:20:30 PM]

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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1150-G Pittsford-Victor Rd.

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Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

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From: Keels, Lisa (HHS/OCIIO) Sent: Friday, January 21, 2011 9:41 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 585-419-3883 - fax

800-836-0026 x223 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may
Saratoga:000031

file:///T|/...ith%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Request%20for%20additional%20info%201.21.11.htm[08/15/2011 2:20:30 PM]

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1150-G Pittsford-Victor Rd.

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Lisa Attached please find Saratoga Bridges waiver application. Please let me know if you need any further information. Thank you again for your assistance. Kristen

ol o

ra do .

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:18 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

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Thank you, Kristen. Im not sure if Im missing something, but I opened the document, and it refers to the relevant plan provisions in the attached Plan Document. I dont see an attached Plan Document. Im happy to contact John Herrick (the Plan Administrator who signed this letter), but I wanted to check with you first in case you have it. Thank you again, Lisa

Document obtained by is CompleteColorado.com be protected by law. If the reader of this message not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hi Lisa I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell

Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight lisa.keels@hhs.gov
Saratoga:000032

file:///T|/...ith%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Request%20for%20additional%20info%201.21.11.htm[08/15/2011 2:20:30 PM]

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From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

pl

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ol o

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Thanks so much, Kristen. Apologies for the delay. We appreciate your help! Best, Lisa

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301-492-4168

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you,
Saratoga:000033

file:///T|/...ith%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Request%20for%20additional%20info%201.21.11.htm[08/15/2011 2:20:30 PM]

Co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

pl

et eC

ol o

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

ra do .

co m

Lisa

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

file:///T|/...ith%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Request%20for%20additional%20info%201.21.11.htm[08/15/2011 2:20:30 PM]

co m

Saratoga:000034

From: Kristen North [knorth@relphbenefitadvisors.com] Sent: Monday, January 31, 2011 10:22 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

Good Morning Lisa I was wondering if you had any news on the waiver application for Saratoga Bridges. Do you need any additional information, or is there anything else I can assist with? Kristen

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Friday, January 21, 2011 10:14 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Great thanks, Kristen. You will be hearing from us soon.

Saratoga:000035

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%201.31.11.htm[08/15/2011 2:20:31 PM]

Co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

pl

et eC

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

ol o

ra do .

co m

Kristen North, HIA, RHU, REBC Sr. Account Executive

Thanks again, Lisa

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:47 AM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Here you go Lisa. We have them all..

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Friday, January 21, 2011 9:41 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you, Kristen. Im not sure if Im missing something, but I opened the document, and it refers to the relevant plan provisions in the attached Plan Document. I dont see an attached Plan Document. Im happy to contact John Herrick (the Plan Administrator who signed this letter), but I wanted to check with you first in case you have it.
Saratoga:000036

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%201.31.11.htm[08/15/2011 2:20:31 PM]

Co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

pl

et eC

ol o

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

ra do .

co m

 Thank you again, Lisa

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:18 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North
Saratoga:000037

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%201.31.11.htm[08/15/2011 2:20:31 PM]

Co m

pl

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Lisa Attached please find Saratoga Bridges waiver application. Please let me know if you need any further information. Thank you again for your assistance. Kristen

Document obtained by CompleteColorado.com Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thanks so much, Kristen. Apologies for the delay. We appreciate your help! Best, Lisa
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight lisa.keels@hhs.gov 301-492-4168
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

Co m

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Saratoga:000038

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%201.31.11.htm[08/15/2011 2:20:31 PM]

co m

Hi Lisa -

Document obtained by CompleteColorado.com

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10.
Saratoga:000039

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%201.31.11.htm[08/15/2011 2:20:31 PM]

Co m

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information. Thank you, Lisa

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Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

ol o

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

ra do .

co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

Document obtained by CompleteColorado.com The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Co m

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

pl

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

et eC

ol o

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

ra do .

file:///T|/.../Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%201.31.11.htm[08/15/2011 2:20:31 PM]

co m
Saratoga:000040

From: Keels, Lisa (HHS/OCIIO) Sent: Monday, January 31, 2011 10:33 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Document obtained by CompleteColorado.com

Hi Kristen, The application for Saratoga Bridges is complete. It is being processed, and you should be hearing from HHS this week. Thanks, Lisa
From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 31, 2011 10:22 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system.
Saratoga:000041

file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%20response%201.31.11.htm[08/15/2011 2:20:32 PM]

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Good Morning Lisa I was wondering if you had any news on the waiver application for Saratoga Bridges. Do you need any additional information, or is there anything else I can assist with? Kristen

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Thank you.

Document obtained by CompleteColorado.com

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Friday, January 21, 2011 10:14 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Here you go Lisa. We have them all..

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.
Saratoga:000042

file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%20response%201.31.11.htm[08/15/2011 2:20:32 PM]

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

pl

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ol o

ra do .

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:47 AM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

co m

Great thanks, Kristen. You will be hearing from us soon. Thanks again, Lisa

Document obtained by CompleteColorado.com

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Friday, January 21, 2011 9:41 AM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

1150-G Pittsford-Victor Rd. Pittsford, NY 14534 585-419-3883 - fax 800-836-0026 x223 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any
Saratoga:000043

file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%20response%201.31.11.htm[08/15/2011 2:20:32 PM]

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

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Lisa Attached please find Saratoga Bridges waiver application. Please let me know if you need any further information. Thank you again for your assistance. Kristen

ol o

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Friday, January 21, 2011 9:18 AM To: Keels, Lisa (HHS/OCIIO) Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

co m

Thank you, Kristen. Im not sure if Im missing something, but I opened the document, and it refers to the relevant plan provisions in the attached Plan Document. I dont see an attached Plan Document. Im happy to contact John Herrick (the Plan Administrator who signed this letter), but I wanted to check with you first in case you have it. Thank you again, Lisa

Document by CompleteColorado.com attachments, is confidential information, is obtained intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, January 19, 2011 6:07 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hi Lisa -

I requested it from the client. I will get it to you asap..... Thanks for your help... Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell

Hi Kristen, I left you a voicemail earlier today. Would you mind emailing me the application, if it is not too much trouble? Thanks so much, Lisa Lisa M. Keels, J.D. U.S. Department of Health & Human Services Office of Consumer Information and Insurance Oversight Office of Oversight
Saratoga:000044

file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%20response%201.31.11.htm[08/15/2011 2:20:32 PM]

Co m

From: Keels, Lisa (HHS/OCIIO) <Lisa.Keels@hhs.gov> Sent: Wednesday, January 19, 2011 5:28 PM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: RE: Waiver Application for Saratoga Bridges

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Thanks so much, Kristen. Apologies for the delay. We appreciate your help! Best, Lisa

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From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Wednesday, January 19, 2011 6:09 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

lisa.keels@hhs.gov 301-492-4168

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Tuesday, January 18, 2011 2:59 PM To: Keels, Lisa (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Thank you Lisa!

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.

From: Keels, Lisa (HHS/OCIIO) [mailto:Lisa.Keels@hhs.gov] Sent: Tuesday, January 18, 2011 2:58 PM To: Kristen North Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application for Saratoga Bridges

Hello, Kristen, I am looking into the status of this application and will keep you posted as soon as I know more information.
Saratoga:000045

file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%20response%201.31.11.htm[08/15/2011 2:20:32 PM]

Co m

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.

pl

et eC

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

ol o

ra do .

1150-G Pittsford-Victor Rd.

co m

Thank you, Lisa

Document obtained by CompleteColorado.com

From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Monday, January 17, 2011 9:10 AM To: Keels, Lisa (HHS/OCIIO) Subject: Waiver Application for Saratoga Bridges

Kristen North, HIA, RHU, REBC Sr. Account Executive

Pittsford, NY 14534 800-836-0026 x223 585-419-3883 - fax 585-727-7278 - cell

CONFIDENTIALITY NOTICE: The information contained in this electronic communication, including any attachments, is confidential information, is intended only for the use of the recipients named above, and may be protected by law. If the reader of this message is not an intended recipient, you are hereby notified that any review, use, dissemination, distribution or copying of this communication, or any of its contents, is strictly prohibited. If you have received this communication in error, please notify us immediately of the error by return e-mail and please permanently remove the original message and any copy of it from your system. Thank you.
Relph Benefit Advisors is a member of the Benefit Advisors Network (BAN), the premier national credentialed network of independent employee benefit brokerage and consulting firms. BAN member firms share investment and human capital in state of the art technology and employee benefit expertise to deliver optimum results for their clients.
Saratoga:000046

file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Status%20update%20response%201.31.11.htm[08/15/2011 2:20:32 PM]

Co m

Visit us on http://www.relphbenefitadvisors.com/ for the latest news and information

pl

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1150-G Pittsford-Victor Rd.

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Good Morning Lisa I was given your name by Lisa Allen in my office as a contact to follow up on Waiver Applications. I am trying to assist a client of mine, Saratoga Bridges (formarly Saratoga ARC), with their Waiver Application for their stand alone Health Reimbursement Arrangement account. The application was sent to HHS on 11/17/10. They have a confirmation of delivery dated 11/22/10. The application was sent to the attention of James Mayhew. I was wondering if you could let me know the status of this application or if you could pass me on to someone who could. I thank you for your assistance. Kristen

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, February 02, 2011 8:17 AM To: 'knorth@relphbenefitadvisors.com' Cc: Habit, Sandra (HHS/OCIIO) Subject: Saratoga Bridges NYSARC, Inc. Saragota County Chapter Waiver of the Annual Limits Requirements 2-22011 Importance: High Attachments: Updated Jan 1 Approval Letter .pdf Good Morning, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section 2711 for Saratoga Bridges NYSARC, Inc. Saragota County Chapter. 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. Please let me know if I can be of further assistance.

Document obtained by CompleteColorado.com

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Alexandra Botwinick Office of Oversight HHS/OCIIO

alexandra.botwinick@hhs.gov

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file:///T|/...YELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Approval%202.2.11.htm[08/15/2011 2:20:32 PM]

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Saratoga:000047

Document obtained by CompleteColorado.com

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Saratoga:000048

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Document obtained by CompleteColorado.com

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, February 02, 2011 8:34 AM To: Habit, Sandra (HHS/OCIIO) Subject: FW: Saratoga Bridges NYSARC, Inc. Saragota County Chapter Waiver of the Annual Limits Requirements 2-2-2011

Document obtained by CompleteColorado.com

Thatn you so much for your assistance! Kristen North, HIA, RHU, REBC Sr. Account Executive (585) 248-8720 x 223 (585) 727-7278 - cell

From: Botwinick, Alexandra (HHS/OCIIO) <Alexandra.Botwinick@hhs.gov> Sent: Wednesday, February 02, 2011 8:15 AM To: Kristen North <knorth@relphbenefitadvisors.com> Cc: Habit, Sandra (HHS/OCIIO) <Sandra.Habit@hhs.gov> Subject: Saratoga Bridges NYSARC, Inc. Saragota County Chapter Waiver of the Annual Limits Requirements 2-2-2011

Good Morning, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section 2711 for Saratoga Bridges NYSARC, Inc. Saragota County Chapter. 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. Please let me know if I can be of further assistance.

Alexandra Botwinick Office of Oversight HHS/OCIIO

alexandra.botwinick@hhs.gov
Saratoga:000050

file:///T|/...Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Approval%20receipt%202.2.11.htm[08/15/2011 2:20:33 PM]

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From: Kristen North [mailto:knorth@relphbenefitadvisors.com] Sent: Wednesday, February 02, 2011 8:21 AM To: Botwinick, Alexandra (HHS/OCIIO) Subject: RE: Saratoga Bridges NYSARC, Inc. Saragota County Chapter Waiver of the Annual Limits Requirements 2-2-2011

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

alexandra.botwinick@hhs.gov

Document obtained by CompleteColorado.com

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file:///T|/...Applications%20with%20NO%2012600%20Response%20[YELLOW]/Saratoga%20Bridges/Approval%20receipt%202.2.11.htm[08/15/2011 2:20:33 PM]

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