CorVelTownToday ® VOL. 2002 T h e Y e a r I n R e v i e w CorVel Corporation Top News S U M M A R Y CorVel Sixth On Investor’s Business Daily Stable 70 page A3 CareMC Puts the Details On Your Dash page A6 CorVel Case Manager Helps Injured Firefighter! page A8 An Unforgettable Year Letter from the Editor By Gordon Clemons Hometowns everywhere meant more to all of us this year. Along the way we discovered just what we are all made of, and that when challenged, we come together immediately. Despite all the challenges of 2001, CorVel’s services to families, employees and organizations, expanded to new record levels for the fourteenth consecutive year. Our strategic investments in networks of healthcare professionals (PPOs) and Internet initiatives, launched several years ago, have begun to pay dividends. Return on shareholders’ equity exceeded 25% after tax. We expanded our office network, launched a second generation PPO and began work in the Caribbean. As our brand recognition expands and our technology enables us to more efficiently assist patients during episodes of care, we are increasingly working directly with very large employers. CorVel’s investments in systems, a national branch office network and continued relationships with healthcare providers, have positioned us to do more and more for large organizations. Our Strategy CorVel’s strategy remains to excel in the service of injured or ill patients. Working collaboratively with employers, payors and healthcare professionals, we continue to steadfastly pursue the development of ever-better systems. Each incremental improvement helps us work with more synergy. Our new CorCare Select services include improved assistance to patients needing help scheduling appointments, and to healthcare providers with the administrative tasks in their practices. We saw increasing interest in our services during the year from the auto market. Investments made to tailor our processing to the needs of auto insurers are now paying off. The Company We Keep As CorVel has grown we have increasingly worked with a very fine group of national organizations as customers. A number of the large institutional investors in CorVel have had long term positions, and have been willing to spend time assisting us in our business. I believe our investor relationships in this day of high volume trading and rapid investment turnover, are truly unique. As always, it is also a great pleasure to thank the over 3,000 employees of CorVel for their hard work and commitment this year and all the years past. For more than ten years CorVel’s services and solutions have helped save millions of dollars and their network of associates have worked to get thousands of people back to their jobs. IRVINE, Ca. – On paper CorVel’s year in review reads like a story repeated many times in annual reports. Earnings up. Revenues up. However, like almost every business in America, the events of September 11 affected the Company in profound ways. Yet, despite the tragedy, 2001 was marked by great achievement, advancement, and appreciation. The Company reported record earnings per share, up 15%. Revenues were up 13%. CorVel was ranked sixth out of 7,500 publicly traded companies in the Investor’s Business Daily Stable 70. For the eighth consecutive year, the Company was listed as one of Forbes 200 Best Small Companies. Past investments in the development of new technologies began to pay dividends. New products, services, and tools were introduced. All things considered, it was an impressive year for CorVel. Though the Company has no offices in Manhattan, and no employees were directly impacted by the terrorist attacks, the tragedy was felt by all. The concerns of business took a backseat to the welfare of fellow citizens as CorVel’s 185 offices worked together to organize a contribution effort to assist the families of victims. Surprisingly, the market’s reaction to the fall of 2001 generated increased interest in CorVel’s services. Premium rates have increased substantially over the last six months and some coverages have become difficult to obtain. This escalation has motivated employers to actively seek improved disability management solutions. For the past year, CorVel continued to play the role of the innovator. The Company expanded its services into new markets, such as automobile liability claims. It supported its investment in technology with new products and enhanced features. The CareMC Dashboard was created to help risk managers and claims professionals. MedCheck/ecs was enhanced to further expedite claims processing through automation. Ultimately, the past year may prove to strengthen the Company. As CorVel continues to enhance the ways information is accessed and processed, its most important connections are those made across the country everyday by more than 3,000 employees. Desktop to desktop. Phone to phone. Face to face. CorVel Town Today YearReview Forbes 200 Best Small Companies T h e Y e a r i n R e v i e w By Kim Doneff NEW YORK, NY. – For the eighth consecutive year, Forbes Magazine has ranked CorVel as one of the 200 Best Small Companies in America. Said Company President, Gordon Clemons, “This validates our vision. Healthcare is a local and personal issue. Even though CorVel is a national company, our network of 185 offices extends our service to thousands of people across the country. No one cares what you know, until they know how much you care.” The latest recognition is just one of many milestones for the Company. Most recently, CorVel was ranked sixth on Investor’s Business Daily’s Stable 70 list. In 2001, they successfully implemented their eCommerce website, CareMC. They also celebrated 41 consecutive quarters of record earnings per share. They were named to the Russell 2000 Index in the previous year. CorVel’s continued success is representative of their entrepreneurial attitude and their reputation as innovators. “We’re a high touch, high tech organization. Being close to patients makes our service effective. Our technology helps us work efficiently,” said Clemons. “Our record of success seems smooth. But, like the duck gliding across the pond, under the surface, we are paddling like crazy.” Each November Forbes magazine ranks the 200 Best Small Companies in America. Rankings are based on five-year return on equity results for companies with $600 million or less in revenues. CorVel has made the list for eight years, from 1994 to 2001. Over the past ten years, CorVel has followed a consistent strategy of growth. Revenue has increased at steady rate, as has net income and earnings per share. During that time, CorVel has maintained consistent cash flow, while making necessary investments in new technology. CorVel Executes Three-for-Two Stock Split By Richard Schweppe NEW YORK, NY. – On August 31, 2001, CorVel distributed a 50% stock dividend to stockholders of record as of the 17th of that month. The dividend was the result of a three-for-two stock split that the Company announced on August 6. The latest stock split is the result of the Company's improved performance in the way it manages its assets. Advanced technologies and systems that function more efficiently have made it possible to operate with less expenditure of capital. CorVel became a publicly traded corporation on June 28, 1991 and its growth rate since that time has been over 23% a year. Today, it is funded entirely by internal operations and positive cash flow. 250 200 150 100 50 17.5 14.0 10.5 7.0 3.5 $20 16 12 8 4 Revenue (in millions) Earnings Per Share (in dollars) 236 $1.50 1.20 .90 .60 .30 93 94 95 96 97 98 99 00 01 02 93 94 95 96 97 98 99 00 01 02 Net Income (in millions) Return on Equity (%) 14.8 30% 24 18 12 6 93 94 95 96 97 98 99 00 01 02 93 94 95 96 97 98 99 00 01 02 Cash (in millions) Q4 Weighted Shares (in millions) 12.6 15 12 9 6 3 93 94 95 96 97 98 99 00 01 02 93 94 95 96 97 98 99 00 01 02 1.30 25.2 11.3 CorVel Town TodayYearReview 2002 The Year In Review A3 | CorVel OPINION: Coming Soon to Managed Care By Heather Burnham IRVINE, Ca — Because the adoption of change in business is slow, charting future trends is a complicated enterprise. This is especially true when you consider the predominance of out-of-date legacy systems in the healthcare industry. Still, as technology advances and new ideas are embraced, it’s possible to make assumptions about what the future holds and how managed care will be affected. medical information. However, often the withheld data is not of a sensitive nature and only serves to delay the processing of claims. With new, more advanced systems, companies are learning to work together and cooperate more effectively. This improvement in data interfaces may further speed the resolution of claims and improve outcomes. Information Processing Technology has had a profound impact on managed care and healthcare in general. The adoption of advanced information systems will continue to accelerate claim resolution and medically related paperwork processing. Interfaces have become more effective as legacy computer and software systems are gradually upgraded. Databases can be shared and information can be gathered from a greater variety of sources. Since the information now gathered from such systems is already in digital format, the amount of manual data entry is substantially reduced. These efficiencies make using new systems much more appealing and cost effective. In the past, automation was prevented by the limited availability of computer processing power. This is no longer a problem. Today, more companies are taking advantage of the capabilities of higher speed computers. Co-opetition One positive side effect of all this readily available information processing power, has been a change in the way companies and organizations communicate with each other. Patient information and data has traditionally been a closely guarded asset. This is a necessary and legally enforced reality when dealing with sensitive, private Scheduling Today, companies are looking for new ideas in the way they manage their employee benefits. Care is delivered most effectively when it is delivered at the earliest possible stage. By getting involved earlier in the patient care cycle, managed care can make a significant impact by helping return employees to work. Features like incidence reporting and absence management are increasingly becoming desirable options for many companies. When managed care is engaged promptly after injury, patients can be assisted in the scheduling of therapy treatments and doctor visits. Most importantly, they can get the help they need to meet their recovery goals. An Evolving Industry Managed care as we know it is still in its infancy. Many employers are just now learning about its time and cost savings benefits. Industries outside of the traditional healthcare realm are investigating how its systems and capabilities can positively affect their businesses. The needs of employers, providers, and insurers are driving the development of new services and products. Despite all the changes to come, the primary mission of managed care remains the same — optimizing healthcare outcomes and getting employees back to productive lives. CorVel Sixth On Investor’s Business Daily Stable 70 By Richard Schweppe NEW YORK, NY. – In the high-flying economy of the late 1990s, the most stable businesses were often overlooked in favor of flashy longshots with outrageous projections. Today it’s a completely different story. Companies with proven earnings records and experienced management like CorVel Corporation are the ones making waves. When Investor’s Business Daily selected the country’s 70 most stable publicly traded companies CorVel ranked number six out of 7500 total. Over the last ten years CorVel has been a model of steady growth. The Company’s annual earnings have risen fivefold and it’s share price more than eightfold. According to CEO Gordon Clemons, this success has to do with CorVel’s big picture strategy. “We’re a service company made up of lots of small pieces,” Clemons said. “We don’t do all of them as well as we should, but we focus on all of them.” with a loyal senior team, has guided its growth. Said Clemons, “The reason there’s value in longevity in management is you don’t stop dancing halfway through.” least 10% in the most recent quarter. Companies had to have annual earnings growth rates of at least 10% for each of the past two fiscal years. Their five-year earnings growth rates had to be 10% or higher. CorVel has also made a habit of investing in technology. Most recently, the Company dedicated significant financial resources into developing new information networking systems. Rather than play catch-up, CorVel has taken the lead in creating new management tools for their clients. “We don’t report as much profit as we would if we weren’t doing that,” said Clemons. “We pour a lot back into building new services.” Investor’s Business Daily is one of the most respected business newspapers in the world. It is the premier source for information for thousands of leaders in the business and investment community. Thanks to seasoned CorVel management, the Company has been able to maintain that focus. Clemons himself founded the Company and, together Some of the criteria for inclusion in the Investor’s Business Daily Stable 70 consisted of public companies with earnings and sales growth rates of at CorVel Town Today TechNews CareMC Puts the Details On Your Dash T h e L a t e s t T e c h n o l o g y T o d a y By Ty Stewart ORANGE, Ca. – The dashboard of your car displays your vital driving information front-and-center, like your speed and gas level. Now the CareMC website does the same for your claims data. This advanced, yet surprisingly simple tool helps risk managers and claims professionals stay informed of their most important data at all times. The CareMC Dashboard was developed after the technology and information systems team at CorVel examined the workflow of risk managers and claims professionals. They discovered how helpful it would be for them to have a tool that kept their most important information nearby. Said CorVel Product Manager, Brian Cushard, “It’s very difficult to stay focused on the big picture when you’re caught up in the details of a specific file. The CareMC Dashboard puts the big picture right on your computer desktop so you can be notified of high level trends.” The CareMC Dashboard takes full advantage of the Internet’s most useful attributes. It’s easily customized to meet the varied needs of different users. It gathers data from a vast array of resources and displays it in simple, easy-to-understand graphics. Care MC also works in real time, automatically updating information as it changes. The Dashboard is a direct enhancement of the capabilities of CareMC. It expands the usefulness of this web-based the day-to-day tool from management of claims into the tracking of strategic information and trends. Claims managers can use it to inform them of items that require immediate action, like Case Management Reports and Bill Review Alerts. They can also use it to stay abreast of individual savings and claims by state. Even up-to- the-minute summary reports are available. “The CareMC Dashboard is just the latest example of how technology is changing Managed Care,” said CorVel VP of Information Systems, Tom Benson, “From here it’s only going to get better, faster and more efficient.” CareMC is CorVel’s web-enabled medical claims management tool. It securely connects employers, claims professionals, providers and case managers with the information they need. It is designed to accelerate claims processing and improve outcomes. CareMC Wins “Award of Excellence” By Tom Benson ORANGE, Ca. – CorVel was recently honored in Business Insurance magazine’s 2001 “Best of the Web” awards. The Managed Care Company was recognized with the “Award of Excellence” in the Property/Casualty Claims Services category for caremc.com. This annual award was established to honor companies who have made advances in insurance and risk management technology. CareMC was launched in April of 2000. It was designed to accelerate claims processing and improve healthcare outcomes. CareMC connects the different parties involved in the processing of claims with information they need in real time. With CareMC, claims that used to take days, and even weeks to process can be assigned, reviewed, or updated in minutes. The CareMC website is easy for everyone from claims professionals to risk managers to use. Designed to adapt to the unique needs of different users, it can perform an array of tasks quickly and automatically. A claims professional might look to CareMC for bill review and tracking. A human resources manager might utilize it to track and manage employee absences. What may be the best feature of CareMC is how it provides a forum for different constituents, like case managers and claims professionals, to work on the same claim, while protecting patient privacy. With an authorized password, information can be retrieved from any computer with Internet access. Business Insurance magazine is one of the leading industry publications for risk managers, insurers, and claims professionals. The CareMC website securely connects employers, claims professionals, providers and case managers with the information they need. It’s designed to accelerate claims processing and to help improve healthcare outcomes. 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Janet Graves Marilyn Gravgaard Kathleen Gray Kimberly Gray Marcia Gray Mary Jane Gray Sarah Gray Mary Grayson Steven Graziano Margaret Grecula Arlene Green Barbara Green Katria Green Michele Green Michelle Green Rhonda Green Vicky Greene Karen Greenleaf Deborah Greer Jeff Greer Jennifer Gregory Jennifer Greminger Adele Griffin Antoniette Griffin Geoff Griffin James Griffin Steve Griffiths Luddie Grigsby Claude Grise Saara Grizzell Shellie Gronlund Jennifer Grooms Auston Gross Wendy Gross Kelly Grossman Mike Grossman Nancy Groves Luane Grube Sean Grube Gillian Gruber Jaime Gruebel Patricia Gsell Elizabeth Guerrero Rebecca Guerrero Jane Guida Susan Guiheen Katherine Guiliano Griselda Guillen Miling Guim Suzette Guimont Cheryl Gulasa Kathy Gullatt Lindsey Gulley April Gunder Maureen Gunderson Carol Gunkel Angela Gunter Meta Gupta-Wetzel Julie Gurke Cathryn Gustafson Rhonda Gutierrez Diana Guzman Thomas Guzzo Ally Haak Faye Haas Eugenia Hachenberg Frank Hackett Jacqueline Hackney Julie Hadley Carol Hadnot Jackie Haferbecker Kay Hageman Elizabeth Hagen Lori Hager Deborah Hairr Robyn Hale Twilla Hales Melanie Haley Pamela Haley Samantha Halit Christopher Hall Cynnamon Hall David Hall Delinda Hall Marlisha Hall Sharon Hall Susan Halle Yvonne Hallett Alisa Halton Victoria Hamann Kristen Hambright Maryann Hamilton Ronald Hamilton Shelly Hamilton Vicki Hamilton Nora Hamlin Steven Hamman Sandra Hammel Bobby Hammond Susan Hammond Tametria Hammonds Chester Han Paul Han Sulaiman Hanif Arthur Hanley Jr. Tammy Hannan Desirae Hanneman Susan Hanowski Laura Hanscom Shelia Hansen Linda Hanson Wayne Hanson Suzanne Hardeman Marcia Harden Sue Hardesty Mike Hardin Randall Harding Donna Haring Mildred Harman Lynn Harner Julila Harper Kevin Harper Doris Harrah Carmen Harris Charles Harris Cherlyn Harris James Harris Marta Harris Natasha Harris Rosabel Harris Ruben Harris Sheila Harris Barbara Harrison Paulette Harrison Kendrick Hart Carol Harter Katherine Hartl Jean Hartman Diane Hartrick Karen Hartsook Beth Harvey Harriet Harvey Mary Hasenstaub Lavon Hasselbring Janice Hastert Stephanie Haston Cassie Hataway Faye Hatch Vong Hathi Nicole Hauffamn Vivien Hawe Stephanie Hawkins Carla Hawley Eileen Haworth Scott Hayden Gloria Haye Betsy Hayes Biniqua Hayes Barbara Hayes-Vitor Janet Hays Teri Hays Linda Hayward Cristita Hazel Tamera Hazeltine Patricia Heater Gloria Hebert Rhonda Hebert Angela Hefner Shauna Heinen Rebecca Heinzman Amy Heitkamp Mary Helfman Amy Heller Janet Hellwig Diana Helms Teresa Helsel Sherrol Helton Donna Heltzell Nina Hempfield Margaret Henderson Willette Henderson Sally Henderson-Olive Elizabeth Hendrix Michelle Hendry Danelle Henk Wanda Henley Charles Hennekens Dawn Hennon Kristin Hennon Janet Henry Rodney Henry James Henshaw Darla Hensley Terry Henson Karen Henz Nadine Henzes Mary Herber Amy Hergenhan Jorge Hermida Angelica Hernandez Carmen Hernandez Dina Hernandez Tammy Hernandez Laura Hernick Deborah Herod Mayumi Herrera Karen Hester Greta Hettinger Carolyn Heuer Pamela Hewitt Kathleen Heydon Laura Heywood Judith Hickey Angela Hicks Iantha Hicks Ishimine Hicks Bridget Hicks-Morris Robert Higby Christie Higham Louise Highsmith Melissa Hildebrand Becky Hill Deborah Hill Judy Hill Marjorie Hill Patricia Hillestad Donna Hilliard Nikki Hilton Rosemary Himuro Sheryl Hines Manish Hingorani Judith Hirsch Tracy Hitzeman Ann Hoben Phyllis Hobert Dave Hobson Janet Hodges Ronald Hodges Valorie Hodges Beth Hoffer Arlene Hoffman Lisa Hoffman Debbie Hogren Andrew Holbert Virginia Holbert Kristin Holcomb Kathleen Holden Tammy Holder Yolanda Hollenquest Christy Hollingsworth Janelle Hollins Jovonna Holman Cheryl Holmes Chantel Holt Krystal Holthus Anita Holtzman Ronald Holyfield Doug Homa Christina Hommel Sonya Hommes Cathleen Hopkins Lisa Hopkins Kathleen Hoppe Tamala Hopson Theresa Horace Julie Horak Karen Horlacher Wanda Horne Brad Horner Seward Horner Elaine Horseman Jillian Horsey Juanita Horsey William Horton Stephen Horvat Blanche Hosgood Alison Houston Janet Houston Theresa Hoverson Jennifer Howard Jerry Howard Paula Howard Abbey Howell Karen Howenstine Hung Hsieh Regina Hubble Nancy Huber Diane Hudson Hiduviges Huerta Erin Huggard Lori Hughes Mary Anne Hughes Augustine Hume Charles Hunt Aleta Hunter Conchetta Hunter Cory Hunter Maria Hunter Kelley Hunton Carla Hursey Valerie Hurst Norma Hurtado Anthony Huspaska Aubrey Husted Linda Huston Garlana Hutcheson- Mathews John Hutchinson Kristina Hutchinson Jill Hutter Lisa Hutter Diane Hyatt Rose Iagmin Yvette Iannaccone Leslie Ihrie Richard Illioff Donna Imhoff Rebecca Inghram Rosalie Inman Rita Inmon Rebecca Innes Roxana Inouye Alla Itkin Patti Ives Amy Iwanski Debra Jackson Jennifer Jackson Pamela Jackson Ruth Jackson Sarah Jackson Linda Jacobs Barbara Jagielski Carolyn Jankowski Charlene Jantz Connie Janzen Elizabeth Jarratt Henrietta Javier-Warren Jeffrey Jenkins Sheree Jensen Laura Jerde Sung-Hee Ji Michael Jirkovsky Allison Johansen Barbara Johnson Betty Johnson Carol Johnson Christina Johnson Dana Johnson Kathleen Johnson Jacquelyn Johnson Jennifer Johnson Jeri Johnson Judith Johnson Kendra Johnson Kimberley Johnson Linda Johnson Mary Johnson Patricia Johnson Renee Johnson Rita Johnson Roberta Johnson Stephen Johnson Vanessa Johnson Welford Johnson Yolanda Johnson Estella Johnson-Rollings Phyllis Johnston Preston Jones JR. Angela Jones Angela Jones Deborah Jones Erma Jones Forest Jones Justin Jones Michelle Jones Patrina Jones Ricky Jones Robin Jones Michele Jones-Mosely Pamela Jordan Shelley Jore Eileen Jorgensen Marie Jorgensen Tricia Jorjorian Ginny Joseph Anjali Joshi Michelle Joyner Bill Juenemann Irene Jurek Eileen Kagawa Lois Kahl Sarita Kalbacher Kirsten Kalwaytis Sherry Kamer Melissa Kamm Janine Kanable David Kane Kathy Kangas Sue Kanz Gail Karimian Hans Karlsson Patricia Karr Jeannette Kaufman Rose Kaufman Denise Kazmierzak Kathleen Keeffe Karen Keenan Deana Kees Faith Keith Myra Keleher Judith Keller Kencil Keller Jennifer Kem Mark Kemberling Jessica Kemp Julie Kempkes CorVel Town TodayCorVelPeople 2002 The Year In Review A6 | CorVel Lillie Kendrick Carolyn Kennedy Susan Kennon Judy Kent William Keough Stacy Kerkow-Dohmen Sandra Kerley Julia Kerr Sandra Kerr Maili Kessler Mary Kessler Pamela Kessler Claudia Kettrick Jerry Khemraj Karen Khosravian Penny Kile Irene Kilgus Cheryl Kim David Kim Joon Kim Mak Kim Young Kim Nancy Kimbrell Lisa Kimbrew Paula Kimery Barbara Kimme Jeffrey Kimmich Cecilia Kimura Brent Kindle Gina King Kimberly King Elaine Kirby Sharon Kirby Melissa Kirkpatrick Steven Kirwan Charles Kisselburg Scott Kissner Michelle Kitt Beth Klein Margaret Klein Catherine Kleinschmidt Carrie Klembara Kristi Klien Lorie Kligerman Linda Klingler Martin Klitzner Heather Klock Anne Marie Klotz Susan Klotzbach Tommie Klug Pamela Knaresboro Terry Knavel Sue Knecht Jill Kniffin Diane Knight Mary Knight Matthew Knight Christine Knollman Beverly Knouff Sandra Knudsen Mike Knutter Kristy Kobayaski Catharina Kohler Keriann Koizumi Andrea Kolder Dawn Koljer James Konenkamp Patrice Konstanty Natalie Koob Jennifer Kornacki Michelle Korponai-Beck Laura Kortokrax Christina Korzun Michelle Kosenesky Paul Kosmerl Darrel Kottal Elizabeth Koukios Sally Kourousis Jamie Kowalczyk Karen Kowatch Mary Ellen Kozeluh Bonnie Kraisinger Diane Kramer Leigh Krause Lisa Kriesel Robert Kroneberger Joanne Kropf Brett Krumhardt Cynthia Kuczkowski Nadine Kuhl Catherine Kuhn Teresa Kuhner Tatiana Kulak Mary Ann Kulas Mary Kulavic Sharon Kunza Sylvia Kurash Suzanne Labansky Rhonda Labrada Ami Labrecque Dewayne Lacy Viola Lafaille Janet Lafollette Patricia Lagnada Beatriz Lago Tien Lam Alice Marrian Lambert Jennifer Lambrecht Traci Lamer Charlotte Lamp Rita Lamparyk Paula Lamphier Robert Lancaster Laura Landen Sharlene Lane Renee Lange Jeannie Langhofer Kimberly Langolf Rebecca Lara Mary Laraia Nancy Lareau Charles Larew David Lariviere Alberto Larrazabal Ann Larson Delia Larson Nancy Larson Donna Laster Stephen Lataxes Ann Latham Brenda Laughlin Linda Laughlin Jasmine Laurie Corinne Lavinder Petro Lawriw Eddie Lawson Jr. Sheryl Lawson Tara Lawyer Jerry Layton Lisa Layton Patricia Le Penske Huong Le Yen Nguyen Le Diane Leachman Roberta Leader Luann Leaders Karen Leak Dawn Lear Louise Lear Laura Lee Yolonda Lee Ellen Lee-Dudley Penry Leek Sally Leeson Deborah Lefort Shawn Lehr Denise Leight Carolyn Leishman Diana Lemasters Heath Lemoine Ybel Lemoine Marlene Lemon Karen Lenhart Anna Marie Lennon Diana Lentz Deborah Lenz Kristine Lenza June Leonard Kris Leonard Marilyn Leonard Krista Lepak Kerry Leuty Deborah Levitan Cheryl Lewis Darline Lewis Theresa Lewis Cynthia Lewter-Brown Mary Libbert Khristin Liberty Joyce Lifshitz Gisela Lile Christine Lim Shane Lindholm Suzanne Lindig Karen Lindner Karen Lindsey Kerri Lindstedt Barbara Link Joan Linn Damara Linneman Colleen Linzenbold Beth Liotta Delberta Lipscomb Grace Lisy Cynthia Little Julie Little Carol Littlefield Michelle Littlejohn Christine Livingston Saniea Livingston John Lluvera Joyce Lockhart Debbie Loe Gary Loggains Jacqueline Logie Jack Long Janet Long Lisa Long Marc Long Mary-Therese Long Deborah Loomis Keli Looney John Lopes Alicia Lopez Jamie Lopez San Juanita Lopez Sherry Lopez Nancy Lopez-Ibanez Crystal Lorah Kristen Lovell Judson Lovingood Yvonne Low-Cox Bernandeth Lowe Diane Lowe Rosemary Lowery Jesse Lowman Lorie Luce Patrice Lucia Jamie Ludemann Emily Luevanos Karen Lundelius Delaine Luthe Phyllis Luttrell Sabrina Ly Thanh-Van Ly Shari Lykins Patricia Lynch Roxanne Lynch Anne Lyng Teresa Lynn Christopher Lyons Mary Ann MacCarthy Margaret MacDonald Judith MacDougall Donna MacIsaac Joanne MacIulavicius Gregory Macera Benjamin Mack Mary Mackey Dana Madden Joan Madden Angela Maddox Sharon Madrzykowski Myrna Madura Annie Magee Lephia Maggiore Tammy Magrey Cathleen Mahmoud Phillip Mai Mary Main Nina Maisonet Ann Major Mary Jane Major Tonya Malady Phonenary Malaikham Donna Malandro Charlotte Malave Alberto Maldonado Imran Malik Debra Mallett Roberto Mallo Anne Maloney Jessica Mamer Jane Mann Tammy Mann Brigitte Manning Janet Manning Judy Mannon MacHelle Manny Tanya Manseau Stephanie Manuel Charles Manzo Ronald Manzo Deborah Marchesano Cathleen Marion Paula Marion Chris Markey Julie Marks Annetta Marlow Abigail Marquez Christina Marquez Renee Marschall Carla Marshall Gail Martin Kenneth Martin Marlene Martin Shari Martin Shelley Martin Tammy Martin Tessa Martin Theresa Martin Brenda Martinez Christen Martinez Crislinda Martinez Edna Martinez Juanita Martinez Ysabel Martinez Tino Martinez Nilda Martinez-Rodriguez Staci Marvin Linda Masengarb Ana Mason Leah Mason Rashida Mason Carol Massey Timothy Massie Susan Mathews Katherine Mathis Elba Matos Miriam Matos Karen Mattheis Mary Matthews Barbara Mattson Ann May Cheryl Mayforth Matthew Mayo Rosemary Mc Bride Janice McAbee Kathleen McAnallen Kathy McCafferty Charles McCall Linda McCall Lisa McCarty Karen McClain Charlotte McCleery Karen McCleery Denise McCloud Scott McCloud Rhonda McCollum Linda McCorkle Melissa McCormick Therese McCorquadale Margaret McCoskey Christine McCoy Mary McCoy Robert McCrae Justin McCully Lori McCully-Butcher Sandra McDaniels Lois McDermand Cheryl McDermott Lorraine McDermott Michael McDermott Sandra McDermott Melissa McDole Christy McDonald Ilene McDonald Nancy McDonald Pauline McEachin Jane McElroy Kostelyk Margaret McFann Donald McFarlane Peggy McGahagan Kathleen McGinley Margo McGivney Tami McGlinsey Charline McGrath James McGraw Patrick McGuigan Dian McIlwain Steven McKelvin Lynne McKelvy Linda McKenny Barbara McKevitt Michael McKevitt Joanie McKinlay Anthony McLaughlin Jennifer McLaughlin Patricia McLaughlin Scott McLeod Mary McMeans Joanne McMillan Stacey McMillan Christopher McMullen Dennis McMullen Judy McNear Patricia McOwen Cindy McQuillin Yolanda McRae Phillip McSparin Amy Meadows Carol Meadows-Byer Heather Means Leanne Means Christopher Medina Marcia Medina Pamela Medina Maria Medrano Christina Meetze Tonya Meetze John Meier Kokeo Mekdara Edna Melendez Suzanne Melfi Vicki Melton Nikki Melvin Gilbert Mena Dora Mendez Florie Mendiola Michelle Menendez Stephanie Mengel Barbara Menkhaus Juan Meraz Jr. Carolina Meraz Arnel Mercado Lerio Mercado Gail Merced Mary Merchlewicz Ellen Merick Josephine Merkli Llamila Merlo Janice Meron Pamela Merriman Mary Merritt Judy Merselis Viviene Mertens Rebecka Messamore Crystalyn Messer Kimberlyn Messer Laura Messer Kelly Messmer Lila Metts Julie Meyer Kathy Meyer Melanie Michaels Paul Michalski Ruth Michels Lisa Mihara Teresa Mikiciuk Karen Miksic Judith Miles William Miles Edilia Milian Margaret Milkes Maxine Millard Angela Miller Cheryl Miller Cindy Miller Colleen Miller Darlene Miller Karen Miller Leticia Miller Marie Miller Nicholette Miller Pauletta Miller Pauline Miller Quintella Miller Robbie Miller Shaneisha Miller Susan Miller Pamela Milliron Kathleen Millman Crystal Mills Deborah Mills Heather Mills Patricia Milmine Christine Mimms Sukit Mingviriya Malanie Minister Linda Minnich Danielle Minnick Rosa Miranda Laura Mireles Sandra Misch Grace Mishoe Laura Mitchell Lavonne Mitchell Linda Mitchell Luanne Mitchell Pamela Mitchell Stephanie Mitchell Susan Mitchell Tamara Mittelstadt Sharon Mitzel Laurie Modrall Christy Mohar Maureen Molchanov Jasmin Molina Jenny Moline Patricia Moneyhon Carrie Monger Wanda Monique Cheryl Monroe Lawrence Montoya Rebecca Montoya Victoria Montz Cecil Moody Carolyn Moore Judith Moore Kimberly Moore Marcia Moore Nancy Moore Paul Moore Ronda Moore Shannon Moore Sharon Moore Cassandra Moore-Bailey Steve Mootz Anna Morales Lorena Morales Miriam Morales Allison Moran Nicholas Moran Rhonda Moran Betsy Morehart Robert Morell Ana Moreno Carita Moreno Joyce Moreno Maria Moreno Sandra Moreno Jill Morgan Joan Morgan Mary Morgan Patricia Morgan Rachael Morgan Rebecca Morgan Robyn Morgan Tammy Morney Claudia Morrell Amanda Morris Myrna Morris Cathy Morrison Paula Morrison Angela Morton Janet Morton Sonya Morton Linda Mosby Joan Moser Margaret Moses Cheryl Moylett Mary Ellen Mrozinski Carmen Muchacho Kathrine Mueller Honora Mulligan Bonnie Mullinax Heidi Mundell Bridget Mundy Jeanette Mungcal Jana Munoz Barbara Munson Patricia Munz Theresa Murkey Ann Murphy Barbara Murphy Kristin Murphy Mary Murphy Patricia Murphy Patricia Murray Laurie Muth Shannon Mutz Curt Muyres Alexander Myachin Debora Myers Gretchen Myers Joyce Myers Richard Myers Suzanne Myrene Joanne Nadeau Pamela Nakashima Joo Namkoong Jeanne Napier Christine Naugle Janet Nauman Anthony Navarro Rebecca Neal Lori Ann Neff Joanne Nehls Alice Lee Neidhart Ashley Nelson Carrie Nelson Gary Nelson Jackie-Lynn Nelson Kara Nelson Melissa Nelson Tony Nelson Beth Nemeth Nicky Nestor Kelly Neubecker Susan Neuhart Theresa Neuhaus Merissa Newell Diane Newvine Jacklyn Ngo Cindy Nguyen Kimberly Nguyen Minhthu Nguyen Lorraine Nicholas Philip Nichols Tammy Nicol Jenifer Nicoletti Ruth Ann Niedert Selena Nieman Moises Nieves Andrea Niknam Stephanie Nimblett Sabine Nirk Carol Noia Eric Norful Erika Norgren Paul Norman Karen Norris Jo North Kathryn Norton Gary Nosonovsky Grace Novelo Melissa Noyes Patricia Nullmeyer Peggy Nyman Linda O'Bayley Sandra O'Boyle Christine O'Brien Jill O'Connor Cheryl O'Dell Debra O'Donnell Judith O'Donovan Michael O'Hagan Tina O'Leary Derick O'Sullivan Mayra Ochoa Tania Ochoa Rhonda Okolo Valerie Oliver Leslie Olmsted Helen Olsen Kris Olsen Michele Olsen Denise Olson Kimberly Olson Don Opgenorth Robin Oppenheimer Hilda Ornelas Robert Ortiz Mary Ortmeier Susan Orzolek Elizabeth Osborn Carlos Oses Amanda Ostrowski Michelle Otero Brandie Outlaw Renea Overstreet Treva Overstreet Mary Oviedo Erin Ovitz Amy Owen Eileen Owens Marcia Owens Julie Ozier Tina Paddock Yolonda Paez James Pagel Dana Painter Joanne Palladino Joel Palmer Amanda Paris Jun Park Seungsook Park Clarence Parker III Velma Parker Diane Parker-Lawson Elizabeth Parlett Sandra Parra-Vogler Kathleen Parsons Mary Parsons Rosa Pasour Christina Passmore Assunta Pasteur Maria Patag-Galang Rajesh Patel Mary Patire Amber Patrick Elizabeth Patrick Ralph Patterson Ginger Paulk Kathleen Pawlowski Joanne Paymal Michele Payment Diane Payne Marcia Payne Micheal Payne Michelle Peaceman Elizabeth Pearson Freddy Pedersen Lillian Pedersen Roxie Pedroli Juan Pedroza Manuel Pedroza Twila Peitz Felecia Pellam Christine Pellett Kim Pemberton Julie Pena Louise Pena Mary Pena Michael Pena Connie Pendley Marjorie Penebacker Patricia Pepe Bettina Perceful Teresa Perdue Elizabeth Pereira Lucinda Perey Gina Perez Nubia Perez Veronica Perez Christine Perkins James Perkins Morissa Perkins Kim Perry Lori Perry Dawn Perttula Michele Petersen Hazel Peterson Jacqueline Peterson Karen Peterson Rebecca Petros Paula Pezzano Corrina Philips Barbara Phillips Denise Phillips Donna Phillips Rosa Phillips Shana Phillips Vanessa Phillips Jill Phinny Don Pickering Jr. Debe Pickering Fabio Pico Juliana Picon Henry Pierce Michelle Piercy Enid Pierre Myriam Pierre Kristen Pierson Jacquelyn Pilarski Letitia Pimentel Sharyn Pimpinella Debra Pinkerton Gladys Pinover Pamela Piper Laura Pivonka Saundra Piwinski Susan Plambeck Jane Plimack Michele Plocki Christine Plowman Linda Poche Stacey Podgorski Silvia Poe Connie Pohlman Jodi Polston John Pompei Shari Ponder Carol Poniewaz Dorine Poole Cherie Pope Melissa Pope Deborah Popovich Randy Porco Cunsualo Porter Gloria Porter Johnita Porter Lisa Porter Terrilynn Porter Traci Porter Rosita Portugal Tamora Owens Sara Potter Joe Potts Jr Nancy Poulin Angelnett Powell John Power Cynthia Preisig Ingrid Prentice Latonia Pressley Elizabeth Prestin Suzanne Prestridge Jane Prewitt Lou Price Teresa Price Jocelyn Pride Mary Prideaux Justin Pripusich Cynthia Pritchard Diane Pritchard Cristina Procita Arlene Propst Paula Pruitt Patricia Pruitte Angela Pruner Debra Prutzman Yvette Pryor Rosa Puglisi Janet Punzalan Gail Puppos Holly Puppos Susan Putica Jake Putzler Nooria Quadrat Abdulla Qudrat Shahira Qudrat Blanca Quiles-Marrero Elizabeth Quinn Lissette Quint Cristina Rabano Theresa Rabinek Barbara Rada Susan Radzvickas Jennifer Raiche Richard Raines Constance Raines-Kriese Eileen Ramallo Janet Ramallo Nancy Ramey Manuel Ramirez Anna Ramos Josefina Ramos Lawrence Ramos Rosa Ramos Gretchen Ramsey Jenay Ramsey Julie Randleman Annette Rangel Barbara Rapchinski Venice Rashford Diana Rattler Roger Rawlings Richard Raymo Carolyn Ready Margaret Reagan Donnie Reddick Kimberly Redding Lisa Redifer Elizabeth Reed Kelly Reed Sandra Reed Shirleen Reed Grant Rees Sue Rees Ethel Reese Valerie Reese Janet Reffett Carmela Rega Darrin Reichle Carl Reid David Reid Janet Reid Jennifer Reid Leslie Reid Serena Reiff Ruth Reilly Gail Reimer Cheryl Reineck Betsy Reiner Karen Reinhart Nancy Reisner Sharon Reiter Tina Renfro Tommy Renick Mary Rennich Brian Renshaw Frances Rettig Linda Revels Rebecca Revolinski Anabel Reyes Charles Reyes Mary Reynolds-Wingo Lisa Rhea Gail Rheaume Joel Rhyner Tana Ribble Arthur Rice Kimberle Rice Janice Rich Jennifer Rich Robin Rich Aimee Richards Jonathan Richards Michelle Richards Sharon Richards Shirley Rickert Katrina Rico Brenda Ridder Stephen Riddle Elizabeth Ridings Cristina Riera Brenda Riley Sarah Riley Judith Rinderle Barbara Rinearson Marianne Ritchey Rebecca Riva Connie Rivero Maritza Rivero Patricia Roark Marjorie Roat Judy Robarge Velisa Robbins Donald Roberge David Roberts Jennifer Roberts Linda Roberts Misty Roberts Phyllis Roberts Tara Robertson Linda Robins Crystal Robinson Jacqueline Robinson Lisa Robinson Patricia Robinson Vickie Robinson Susan Roby Theresa Rocca Maritza Rodriguez De Perea Carolina Rodriguez Elsa Rodriguez Maria Rodriguez Patricia Rodriguez Sylvia Rodriguez Deborah Rogers Randy Rogers Margery Rohde Ann Rohlf Micheline Rojas Lidia Roldan Patricia Roling Margaret Rollen Shari Romain Hortensia Roman Rose Romane Nicholas Romano Mary Alice Romans Evelyn Romero Marie Romero Carlton Rood Jane Rooney Kimberly Roque Carmen Rosales Marcia Rose Laura Rosenbaum Marina Rosenfield Vicki Rosmann Mary Rossi Robin Roth David Rothwell Conni Roush Tami Rowe Angela Royal Johney Royer Susan Rozell Sylvia Rubio Lourdes Rubio-Fitzpatrick Kathryn Rudolf Joshua Rugowski Amanda Rupp Christine Rushenberg Patricia Rushin Amy Russell Barbara Russell Burnis Russell Sarah Russell Valerie Russell Beverly Ruth Mary Ruvalcaba Bonnie Ryan Janet Ryan Joni Ryan Marzena Rybicki Lisa Sabye Lisa Sachs Melinda Sain Curtis Sakamoto Josue Salazar Tonya Salley-White Judy Salvestrin Elaine Sanchez Mary Sanchez Milagros Sanchez Cathy Sanders Margaret Sanders Yolanda Sanders Yvonne Sanders Marla Sands Shasta Sanneman Milton Santiago Cathy Santini-Cordell Dan Saraz Rita Sassano Linda Satterthwaite Le'nai Saunders Linda Savage Eva Sawalha Tim Scaboo Natalie Scarborough Jacquelyn Schabacker Dina Schaeffer Kathrine Schaff Lisa Schaffer Tammy Schalk Yvonne Schautteet Victoria Scheckel Mary Scheel Anita Schek Karla Schell Sharon Schiera Catherine Schinski Beth Schlup Catherine Schmelz Geri Schmid Elaine Schmidt Stephanie Schmill Mary Schmit Debbie Schmitz Deborah Schmollinger Alison Schoepp Cindy Schopfer Linda Schoppe Debbie Schreck Lisa Schreiber Margaret Schroeder Marie Schroeder Ming-Jen Schu Alicia Schubert Pamela Schubert Susan Schuknecht Cindi Schultz Merilea Schultz Tracie Schultz Angie Schumacher Rhonda Schutz Dana Schwartz Joann Schweigert Richard Schweppe Melinda Schwitters Catherine Sciarra Janelle Scott Linda Scott Sarah Scott Susan Scott Terri Scott Suzanne Screptock Shugie Scroggin Kimberly Scurlock Charles Sears Malinda Sears Carrie Segura Krista Segura Amy Seigel Kenneth Selensky Dquence Self Robert Seliskar Kimberly Sellers Tracy Sellers Margaret Sender John Sendlosky Darla Senn Evelyn Serrano Veronica Serrano Mary Sevinsky Cynthia Seyk-Young Lori Shafer Sandra Shafer Sherry Shaffer Bindi Shah Mukundray Shah Terry Shahan Sara Shamblin Barbaraj Shane Lisa Sharkey Renu Sharma Terri Sharpe Tracie Sharpe Lynda Shave Donna Shaver Ashley Shaw Lynn Shaw Shenika Shaw Linda Shea Beverly Sheetz Diane Shefveland Diane Shelburne Brenda Shell Tara Shelton Sheila Shidlofsky Virginia Shields Sarah Shimko Timothy Shinabery Margaret Shinn Nancy Shinn Angela Shipp Cindy Shirley Alice Shoaf Shahrooz Shomali Philomena Shores Jennifer Short Craig Shucker Donna Shultz Heather Sibal Katherine Siegel Amy Siegel-Goldman Laurie Siegel-Sanfiel Tav Sihabouj Jolene Silbernagel Christopher Simants Kevin Simler Victor Simone John Simpson Linda Simpson Melanie Simpson Victoria Simpson Joanna Sims Faye Singer Joseph Sirianni Catherine Siver Sharon Sizemore Virginia Skelton Lesley Skipper Elizabeth Skyles-Jordan Ashley Slate Janiese Slater Brian Slaughter Davina Slaughter Dolores Slavis Lois Sloan Mary Sloan James Smawley Kelly Smeltzer Jane Smerdell Betty Smith Brian Smith Christina Smith Connie Smith Debbie Smith Debra Smith George Smith Jean Smith Lisa Smith Margaret Smith Michael Smith Nancy Smith Patricia Smith Renee Smith Richard Smith Robbin Smith Rosemary Smith Rusty Smith Sharon Smith Tamara Smith Vera Smith Julie Smrz Julia Smythe Beverly Snaman Vicki Sneath Brant Snell James Sniff Robert Snyder Sherry Snype Nanette Soccino Anita Solano Kelley Solheid Toby Sorkin Jeffrey Soto Linda Spade Lindsy Spain Victoria Spanier Michael Spann Rebecca Sparger Yvonne Spellman Karen Spence Lanette Spence Jeanne Spiegel Debbie Springer Jeffery Squires Pam Srur Danielle St Hilaire Leane St. Peter Lisa Stadler Shelby Staffenson Darren Stahulak Mary Stallworth Annette Stapp Hana Stara Vonnie Starcher Amber Stark Sara Starke Sherrie Starke Ken Starr Netria Starr Lori Staup Anthea Stebbins Deborah Stebnitz Laura Steckbauer Lisa Steed Mary Steffen Latonya Stegall Anna Steinberger Tasha Steinkamp Amy Sternberg Gregory Stevens Harriett Stevens Lynn Stevens-Mitchell Gayla Stewart Susan Stewart Ty Stewart Laura Stickfort Nancy Stickley Susan Stier Jody Stigar Laurie Stiggers Mary Ann Stine Donald Stobo Cathy Stogel Denyel Stokes James Stolen Katie Stoll Dana Stoller Bill Stolte Jacquelyn Stone Latonya Stone Melanie Stone Rocky Stone Angela Stoneberger Maria Stoute Paula Straka Laryssa Stratton Penny Stratton Heather Straub Douglas Strauss Dolores Strohlein Linda Stroud Darla Strzesynski Makia Stuart Yvonne Stuckey Margaret Stutsman Nina Styles Patricia Styles Deborah Sublett Suriyakumar Subrahmanjan Jungsheem Suh Charlotte Sujeta James Sullivan James Sullivan Winifred Sullivan Nandakumar Sundaresan Justino Surla Jr. Marie Surrency Robin Surrey Steven Sutherland Denise Swafford Nancy Swaim Kelly Swalleh Robin Swanson Sirena Swanson Karen Swanson-Daigle Kathy Swart Monique Swartz Michele Swearingen Patricia Sweetin Richard Sweney Tracy Swift Juanita Swigart Mary Swindell Wendy Sykes Sue Szerlong Duane Szymanski Michelle Szymczak Jenny Tackabury Cheryl Tadiello Sara Taggart Sharon Taliaferro Ethel Taniguchi Ellen Tanner Myrna Tapounet Marilyn Tapper Audrey Tart Maryann Tartamella Gwendolyn Tarver Liliana Tatum Jean Taylor Marcia Taylor Maureen Taylor Merinda Taylor Pamela Taylor Samuel Taylor Sara Taylor Stacey Taylor Teresa Taylor Lonie Teater Shirley Teders Gayle Tedford Luan Teh Maria Tejeda Suzanne Templeton Leah Terral Prentiss Terry Sharon Terry Maureen Tessier Mary Tevlin Michelle Thane Bradley Thiele Christopher Thomas Gladys Thomas Jennifer Thomas Julie Thomas Karen Thomas Pauline Thomas Sonja Thomas Wilda Thomas Christina Thompson Karen Thompson Karen Thompson Margaret Thompson Tracy Thompson William Thompson Chrystine Thong Rhonda Thoresz Wilfred Thorne Linda Thurman Douglas Tierney Angela Tigges Debra Tillhof Deborah Tillman Gary Tindle Maureen Tinker Patricia Tirado Joseph Tirinzoni Shirley Tirone Lynda Tobolski Kelly Todd Merry Todd Lisa Tokich Jeannine Tomaszewski David Tompkins Robert Tompkins Deborah Toole Bertha Torres Pamela Tortorici Amy Tow Gina Tran Hung Tran Huy Tran Kim Tran Uyen Tran Kimberla Travers Kathy Treat Lucie Trepanier Robin Trimble Thuy Trinh Malgorzata Trojanowski Marsha Trosper Deborah Troy Paul Troyer Jr. Wendy Trozzi Sharon Trudeau Cecilia Trujillo Laura Trujillo Jennifer Tsen David Tucker Karen Tuenge Andrea Tugander Janice Tuggle Stephanie Turcotte Norma Turkalp Denise Turner Jennie Turner Martha Turner Steven Turner Debra Turnipseed Angela Tymann-Odom Johanna Untalan Karen Updegraff Gloria Ursal Joella Vaclavik Kathleen Vaden Dena Valentine Pamela Vales Rachel Valles Rachel Valls Ingrid Van'T Hof Douglas Vandermark Pang Vang Dee Vangavree Linda Vanseth Kyria Vansickle Sharon Vanslooten Cynthia Vargas Bettina Varner Ellen Varner Marie Vartanian Cynthia Vashkelis Susan Vassallo Amanda Vatter Beth Veeder Amy Vega Stacy Velarde Linda Velasquez Liza Velazquez Maria Velazquez Gladys Velez Thomas Vermilya Don Vidal Victoria Villarreal Mary Vincent Kalounna Virachith Jeanine Visser Ronnel Vista Kathleen Voigtlander Phyllis Volk Mary Volrath Christopher Von Arb Betty Vosberg Laura Voyles Malisia Vrana Katie Vu Lien Vu Donna Wade Gina Wade Traci Wade Sharon Wagner Stewart Margaret Wagner Nicole Wagoner Kristy Wait Lititia Walden Mickie Walding Joanne Waldron Kim Waldstreicher Charlene Waley Shayne Walker Karen Walker Kenyon Walker Phyllis Walker Marsha Wall Renee Wall Julie Wallace Linda Wallerstedt Christopher Walsh Tamara Walsh Karen Walters Mary Walters Erica Walton Eric Waraksa Deborah Ward Heather Ward Kimberly Ward Debbie Warmke-Eide Geraldine Warne Anna Warner Angela Warren Nicole Warren Celine Warriner Kim Washburn Dana Washington Sandra Wastler Karen Waterman Amy Watkins Corrinne Watkins Debra Watkins Martha Watkins Erin Watkinson Daniella Watson Cheryl Wayman Sherry Weaklim Sandra Weasner Meredyth Weaver Rachel Weaver Margaret Webb Rebecca Webber Alicia Wedderburn Claudia Weeks Michael Weight Rhonda Weil Patricia Weimert Donald Welch Amy Wellman Patricia Wells Mary Wells-Garland Therese Welter Barbara Werling Dana West Shawn West Marie Westfall Melanie Westin Kathryn Westlund Patricia Weston Paul Wexler Robert Wheeler Patricia Whisenant Cynthia Whisman Ronald Whitby Debra White Jane White Joann White Laura White Lynne White Margaret White Shelia White Lee Whitehead Marilee Whitehill Nietta Whitfield Brad Whitley Eirwen Whitney Leslie Whynot Kate Wick-Neitzel Kristine Wieand Patricia Wiechecki Michele Wielde Ted Wiese Donna Wiggins Mary Wiglusz Kerry Wiles Ronda Wiles Lisa Wiley Debra Wilkerson Brandi Wilkinson Carol Wilkinson Harriet Wilkinson Sandra Willett Edward Williams Jr Arleen Williams Beth Williams Betty Williams Bonnie Williams Carolyn Williams Chelle Williams Dainer Williams Holly Williams Judy Williams Kerri Williams Ladonna Williams Latanya Williams Michael Williams Nona Williams Penny Williams Renarda Williams Shannon Williams Shirley Williams Tracey Williams Evelyn Willis Nicole Willis Nina Willis Radeana Willis Angela Wilson Carol Wilson Eileen Wilson Frances Wilson Kathleen Wilson Latashia Wilson Linda Wilson Margaret Wilson Marsha Wilson Meredith Wilson Sheila Wilson Sheryl Wilson Shirley Wilson Susan Wilson Sean Wiltison Carol Winetrout John Winslow Stafford Winters Dawn Wipf Dashawna Withers Amy Witthuhn Ron Wojciechowski Cathleen Wolf Donna Wolfberg Craig Wolfe Karen Wolff Linda Wonn Amy Wood Anton Wood Theresa Wood Karen Woodington Linda Woodling Deborah Woods Jennifer Woods Latricia Woods Judy Wootton Peter Worden Steven Worster Deborah Wright Kim Wright Laurie Wright Shelley Wright Charlotte Wristen Jennifer Wronski Christine Wuersch Gaylan Wykes Kathy Wynn Carmen Wynter Gay Wys Donna Wysocki Richard Yamin Cheryl Yancey Donna Yancey Gilmarc Yanez Margie Yanov Kathryn Yarbrough Lisa Yarhouse Nawang Yehshopa Lorna Yonan Stacey Yoneshige Judith York David Young II Ann Young Cliff Young Corey Young Jayson Young Joyce Young Kristin Young Ladonna Young Melissa Young Pamela Youngblood Pamela Younger Sandra Yusczak Kathryn Yutsai Karen Zamudio Robert Zapata Rebecca Zawadiwsky Donna Zbiek Joseph Zeppetella Janet Zewe Kevin Ziehr Timothy Zimmerman Susan Zinkan Susan Zinn Janie Zommick Glynda Zook Kimberly Zwiener Carrie Zygadlo CorVel Town TodayTechNews 2002 The Year In Review A7 | CorVel Pocket PCs Speed Information Flow to the Web By Bill Stolte PORTLAND, Or. – Information is critical for risk managers and claims professionals, and to facilitate the processing and resolution of their open cases. To help bring them the most up-to-date information possible, CorVel is taking advantage of the latest wireless technology applications. CorVel case managers are using wireless Personal Data Assistants (PDAs), or Pocket PCs, in the field to input new case data directly at the point of care. The PDA data is routed directly to caremc.com on a daily basis, where users can log onto the website and review case notes and check the status of a patient's projected return to work. This means claims professionals and risk managers can access the latest developments in their cases, 24-hours a day, and leverage that information to make informed decisions. Said CorVel Product Manager, Brian Cushard, "This is really just an extension of the services already provided by CorVel. We've just moved them off the case manager's desk and brought them into the field." In addition to the time-saving benefits enjoyed by claims professionals and risk managers, wireless applications have liberated case managers from much of the administration tasks they normally conducted at the office. That leaves more time for case managers to assist patients during their recovery and improve return to work outcomes. The software that CorVel uses for its wireless computing was developed expressly for the Pocket PC to work with the online applications of CareMC. Bill Review Hits theWeb with MedCheck/ecs By Claudia Kettrick PORTLAND, Or. – CorVel’s medical bill review software and PPO management system, MedCheck®, is moving into the future with the development of their web- based initiative, MedCheck/ecs (eCommerce Solutions). As the volume of medical bills increase, programs like this are helping to automate the claims process, while delivering savings on practically every bill. MedCheck/ecs automates many of the functions that have traditionally delayed the submission, approval, and reimbursement of bills. Via the password-protected website, caremc.com, providers and claims professionals enter bills directly onto the website and into the system to expedite claim processing. Using artifi- cial intelligence technology, MedCheck/ecs automatically adjudicates bills, applying usual and customary review, fee schedule analyses, and PPO discounts. With MedCheck/ecs, medical bills can be processed and approved from your desktop. By using automated information processing, Medcheck/ecs eliminates paperwork and many time delays. In fact, it can reimburse providers for services directly after the bill has been approved for payment in real time. .compInsights Evaluates the Industry By Patrick McGuigan Since the spring of 2000, .compInsights has been surveying claims professionals, risk managers and healthcare providers about issues affecting the healthcare industry. With topics ranging from access to the Internet, the benefits of IMEs, and the costs of prescription drugs, the response has been enthusiastic. The findings have been summarized and published. Today, they provide us a better understanding of the issues affecting the managed care industry. CorVel Town Today LifeStyle L i f e i n C o r V e l T o w n CorVel Case Manager Helps Injured Firefighter! By Sarah Gray When Bill Hoehne injured his shoulder, he leaned on CorVel Case Manager Micheline Rojas for support. It took three surgeries, an intensive regimen of physical therapy, and her emphatic attention to get him back to work. Today, he's back fighting fires for the LA County Fire Department. she had helped hundreds of patients get back to work. When she was assigned Hoehne’s case, she knew just what to do. The two struck up a special friendship as Rojas helped the firefighter maintain his recovery regimen. She worked with his doctors to create a schedule for him and then helped him stick to it. She even arranged after-hour physical therapy through the CorCare Network when his long hours at the station got in the way of treatment. Today, Hoehne has recovered completely and is doing what he loves most, helping rescue those in danger. And today Rojas continues doing what she loves, helping to get the people of CorVel Town back to work. To this day, she even makes it a point to look in on Hoehne and his fellow firefighters. Albeit, not to check his progress, but to drop off a batch of homemade cookies. Since September of 1998, CorVel has worked with the County of Los Angeles, delivering a compre- hensive service model of FNOL, case management, bill review, and outcome reporting management. LOS ANGELES, Ca. – When you’re the fire department, who do you call for help? In LA County, you reach out to people like CorVel’s Nurse Case Manager, Micheline Rojas. That’s what firefighter, Bill Hoehne did after he dislocated his shoulder in the line of duty. In a job that calls for intense physical activity like Hoehne’s, a dislocated shoulder can mean the end of a career. After he first injured himself, his shoulder just would not heal properly. It seemed every time Hoehne put any weight on it at all, like lifting a victim or a fire hose it just gave out. In addition to getting people back to work, the CorCare PPO network delivers real savings. In 2001 alone, one national client saved more than 5.7 million by using its services in ten different states. While Hoehne was an expert at fighting fires, he was a novice when it came to healthcare. His injury was so severe it required three surgeries and intense physical therapy. Needless to say, he wanted to make sure that his shoulder healed properly. He needed help and he found it in Micheline Rojas. She guided him through his entire recovery. A CorVel Case Manager since practically the founding of the company, Rojas was skilled at working together with providers, insurers, and patients to get the best care. In her nearly ten years CorCare® Network Grows to Over 450,000 Preferred Providers By Steve Wheeler RICHMOND, Va. – To meet the demand for high quality, choice and access, CorVel’s CorCare Network has grown to include almost 450,000 preferred providers across the United States. Additionally, the network has expanded to include a variety of specialty ancillary networks that can better service the unique needs of patients and employers. This includes Pharmacy, IME, MRI, and DME networks. This energetic growth hasn’t come at the expense of quality. CorCare providers are selected from a demanding criteria. Each one is thoroughly evaluated and credentialed, then recredentialed bi-annually. The CorCare Network is a national PPO that provides employers with cost-effective, quality medical services for their employees. CorVel Town TodayLifeStyle 2002 The Year In Review A9 | CorVel CorVel Drives into Auto Managed Care Market By Melissa Giarratano claims and the subsequent care administered to patients. In effect, CorVel functions as an independent advocate throughout the auto claim process, working with both the injured parties and providers who administer care. One such logical extension was implementing bill review on auto injury medical bills. It’s estimated that 90% of all hospital bills contain an overcharge. Also, by intervening in the claims process early CorVel is able to impact costs more dramatically. CorVel case managers also take the extra step of working closely with patients to make sure they receive appropriate care throughout their recovery process. They refer patients to an auto PPO network of providers that help reduce costs and assure individual patients. By taking an active role in a patient’s recovery, they are able to return people to work quicker and promote savings. $1,750 SAVINGS POTENTIAL ON $5,000 CLAIM Bill Review 22% = $385 Case Management 40% = $700 IME 10% = $175 Additional Services 10% = $175 PPO 18% = $315 It is estimated that 90% of all inpatient hospital bills contain an overcharge. MedCheck Select is CorVel’s Hospital Inpatient- Outpatient Line Item Bill Review service for workers’ compensation, auto, and disability management insurance markets. MedCheck Select can be delivered through CorVel’s network of 185 offices. CorVel’s Auto Managed Care Program offers a continuum of services through a national network of more than 185 field locations. Their services use advanced technology to facilitate patient care and contain medical expenses. DENVER, Co. – To help stem the escalating costs related to automobile liability claims, CorVel has expanded its scope of services to meet the needs of this market. The reception to such a concept has been overwhelming. It seems CorVel’s managed care expertise is just the sort of relief the automobile insurance industry was waiting for. Said CorVel Director of Auto Service, Michael Williams, “For more than ten years we’ve saved companies money on their healthcare expenses. Applying our methods to the auto market is a natural and logical extension of CorVel’s services.” CorVel currently serves 13 of the 15 largest automobile insurance carriers with its Auto Managed Care programs. In 2001, they processed over 90,000 bills with an average penetration rate exceeding 46%. In 2000, auto related liability and medical claim losses and loss-adjustment expenses totaled more than $73 billion. These injury claims are one of the primary expenses of auto indemnity costs and continue to drive the prices of premiums charged to policyholders. CorVel Corporation is implementing managed care techniques to help reduce the overall cost of auto Your Halo is Slipping MedCheck Select® Saves $432,647 on Hospital Bill By Steve Kirwan FORT WORTH, Tx. – Here is a true story that will turn the most passionate managed care critic into a true believer. After a major motor vehicle accident with massive injuries, a patient was fitted with a halo ring and vest assembly. For those readers who may not know what a halo is, it is a support apparatus that attaches to the skull to prevent movement of the neck. After the halo is installed onto the patient (a process that involves the drilling of pins into the skull), it is common for the halo to be adjusted on a daily basis. This is simply a maintenance procedure (what the hospital refers to as a revision) and doesn’t require the drilling of new holes. However, on this particular claim, the hospital was charging $2,029 per day for revisions, totaling $225,237 for the entire bill. CorVel’s MedCheck Select Nurse, experienced in care with halos, realized that the hospital was likely charging as if a new halo was being attached everyday. Aside from intense patient discomfort, they knew that this would likely cause serious injury, or even death. The good news was that the patient was recovering fine; but his insurance carrier was suffering from a severe case of bad accounting. In total, after applying usual and customary analysis and correcting coding errors, MedCheck Select was able to reduce the $1,324,350 bill down over $400,000. Talk about divine intervention. CorVel Town TodayCOMMUNITY 2002 The Year In Review A10 | CorVel A Nationwide Community Connected By Care Portland Seattle San Francisco Salt Lake City Los Angeles Honolulu Albuquerque Phoenix Minneapolis Denver Chicago Kansas City Detroit New York Washington Tampa Dallas Atlanta San Antonio Anchorage With 185 offices in 49 states, the CorVel community extends across America. And it’s growing every year. CorVel is a nationally established managed care company and has relationships with major employers, insurers, and healthcare providers. While it’s in the big business of healthcare, CorVel serves its constituents through the hands-on, friendly philosophy of a local community. Employers, major insurers, and TPAs access services through the CorVel network of providers and their web-based communications tools. Patients benefit directly from the experience of the associates at CorVel, as they guide them through their recovery process. By working to make healthcare function more efficiently, CorVel is helping thousands of people. CorVel’s mission is to deliver patients the quality healthcare they need to get back to work, back to their families, friends, and communities. The CorVel network stretches all across the United States. Most people who benefit from their services might never know who CorVel is, but the fact remains that the company saves millions of dollars in health- care expenses. It also helps thousands of workers get back to their jobs quickly and safely.