Softheon Marketplace Connector Cloud (MC2)

Transcription

1 Perspective Health insurance marketplaces have created a new channel for consumers to purchase affordable health plans that meet their needs. Great opportunity brings great challenges, and considering the administrative burdens HIM integration places on insurers, leveraging appropriate technologies is a vital component for insurers to consider in their overall HIM strategy. Softheon Marketplace Connector Cloud enables issuers to be fully compliant and participate in Marketplaces without disrupting their current operations and without replacing their existing systems. Softheon Marketplace Connector Cloud (MC2) Health Insurance Marketplaces (HIMs) will make it easy for individuals & small businesses to compare health plans. Health insurers will compete for business on a level playing field, driving down costs. Softheon Marketplace Connector Cloud (MC2) is highly dedicated to reducing fragmentation in data delivery, addressing significant issues in administrative overhead, and redundancy in information collection. Plan Catalog Management Automate plan and product catalog creation, real-time SBC generation, and SERFF/HIOS template completion while being compliant with PPACA regulations. Small Business Health Options Program (SHOP) Give employers & employees in small businesses a cost-effective, value-driven opportunity to choose affordable health plans. Eligibility & Enrollment Relieve the administrative burdens of adapting to HIMs by leveraging existing legacy systems, technologies, and processes. Financial Management System Enable issuers with the ability to reconcile basic cash, receivables, and payable transactions on an individual basis. Member Services Empower issuer member service representatives with the tools needed to provide consumers with a no wrong door customer service experience. Complaints, Appeals, & Grievances Establish a process for customers to submit their complaints, grievances, or appeals related to the marketplace and health plan.

2 An Emerging Leader in Next Generation Healthcare Business Process Optimization Softheon, Inc., recognized as the leader in health insurance marketplace integration and next generation healthcare business process optimization, enables payers, providers, and government organizations to measurably reduce administrative costs, improve member and provider satisfaction, generate new revenue opportunities, comply with PPACA regulation - all made possible through Softheon MC2. Driving Bottom-Line Benefits for Health Care Payers Softheon MC2 drives bottom-line benefits for health care payers, empowering payers to improve competitiveness and to comply with regulations. Softheon s process analysis mastery is enhanced by industry expertise, which helps Softheon work with clients to quickly identify the opportunities for process improvement that will have the greatest impact on their success. The award-winning Softheon Oriented Architecture (SOA) framework encompasses imaging and content management, workflow, business process management and analysis, data integration, and reporting software. These robust capabilities are configured to build and deploy unique, client-defined solutions in critical areas like Marketplace, Medicare Part D processing, Grievances and Appeals, Enrollment and New Business, Provider Operations, Claims, Member Services, Authorizations, and more. Where We Are Is Who We Are... Key Softheon Marketplace Connector Cloud (MC2) Softheon Business Connector Affordable Care Act State Implementation Utilizing 100% on-shore facilities and workforce talent, Softheon currently works with over 35 health plans and Co-Ops across 42 states, managing nearly 10 million lives through Softheon technology.

3 Softheon Solutions Plan Catalog Management Health Plans looking to participate in both Public and Private Marketplaces must look to increase their efficiency while keeping their costs at a minimum. The Softheon Plan Catalog Management process model is a solution designed to help Health Plans effectively connect with all types of Marketplaces, while being compliant with post-aca regulations. Plan Catalog Management is a series of business processes for plan issuers to efficiently manage the certification, recertification, decertification, appeals and continuous compliance monitoring of their QHPs offered through Marketplaces. Small Business Health Options Program (SHOP) The SHOP marketplaces will help small businesses find the best health insurance available at their price point. SHOP provides real-time integration with associated Heath Insurance Marketplaces to give employers and employees in small businesses a cost-effective, value-driven opportunity to choose health plans while meeting demands within their budget. The SHOP component of Softheon MC2 will enable the viewing of health plan information online, making plan comparison and selection easier. It will also lower the administrative cost by calculating the collections and payments of employee contributions. Eligibility & Enrollment This component of Softheon MC2 can significantly reduce the administrative burden that health plans will experience during enrollment. This framework provides direct web-based integration with the Federally Facilitated Marketplace (FFM), which will result in an increase in the number of enrollees for heath plan carriers by providing each consumer with an enhanced shopping experience. Each Health Insurance Marketplace transmits enrollment and eligibility data extracted from multiple databases, in real time, to health plan issuers via Softheon MC2. Financial Management Helps mitigate the impact of risk selection issues by providing financial protection for health insurers. The Softheon MC2 Financial Management solution enables health plan issuers the ability to process payment intake, information, invoice members, and provide a complete and transparent solution for all financial activities associated with the HIM. This framework also provides functionality that gives health insurers the ability to reconcile basic cash, receivables, and payable transactions between members and HIMs, and acts like a robust reporting system to support financial operations and meet regulatory reporting requirements. Member Services The Softheon Member Services framework is a critical component of a successful HIM because it makes it easy for all categories of users: individual, family, employee and employer, to connect with the system, get the information needed, and process the data. The Softheon Member Services solution provides members with a convenient purchasing experience, and enables health plan issuers the opportunity to act as the first point of contact by offering easy access to health coverage information and member services across multiple channels and mechanisms. Complaints, Appeals, & Grievances Softheon MC2 Complaints, Appeals, & Grievances solution establishes a process for customers to submit their complaints, grievances or appeals regarding eligibility determinations and other activities related to both the HIM and the health plan. This process includes serving as the first point of contact for consumers, employers, and assisters (including community assisters), navigators, and producers (brokers or agents), log complaints, appeals and grievances through multiple mechanisms. CEWIT Stony Brook R&D 1500 Stony Brook Road Stony Brook, NY sales@softheon.com

4 Marketplace Facts According to the Kaiser Foundation, 48 million Americans were without health insurance coverage in 2011, most of whom have been without coverage for over one year. By 2016, the Affordable Care Act is expected to reduce this amount by half or approximately 26 million people through Medicaid expansion, enrollment in health insurance marketplaces, and by providing federal subsidies and assistance to eligible individuals. (Kaiser Family Foundation, 2013) Softheon Marketplace Connector Cloud (MC2) Plan Catalog Management SHOP Eligibility & Enrollment Financial Management Member Services Plan Catalog Management Softheon s PCM solution will assist health plans to overcome challenges they are facing with the PPACA. PCM offers health plans the opportunity to utilize a single repository of products & plans to act as its source of reference. With this repository, issuers will be able to reduce data redundancy & streamline their Qualified Health Plan (QHP) and Summary of Benefits & Coverage (SBC) processes. Centralized Repository of Products, Benefit Packages, Plan Rate Tables, and Dynamic Rate Rules Create or modify products, benefit packages, plan rates, and rules Audit all changes to the data including version controls Automate export of plan information for enrollment and claims adjudication systems QHP Process Plan certification Plan compliance monitoring Monitoring changes in plan availability Plan recertification Plan decertification SBC Process Data capture & normalization Secure and flexible framework to comply with strict SBC regulations Automatic SBC document generation and distribution Rating Engine Real-time rate calculations for instant online quotes Calculate multiple premium adjustments Any number of configurable rating factors (e.g. zip code, age, and tobacco status)

5 Softheon Solution Accurate Data Capture & Normalization Softheon provides a tool to extract, transform, and load (ETL) health plan data to a normalized SBC-ready format across different database schemas from any number of disparate data sources. This allows both health plan issuers and plan consumers to get the data in a format required by PPACA. Creative Workflow Customization Workflows are developed with Softheon SOA and are predictable and logical. To comply with the strict SBC format requirements, Softheon s Business Process Management (BPM) rules engine provides health plan issuers a secure and flexible framework to follow the required formats based on different plan factors, such as copay amount, limitations, and exceptions. Friendly and Optimized User Interface Softheon provides a web-based application to allow any authorized users, brokers, consumers, case managers, or system administrators to access their accounts and modify their information at any time. Softheon intuitively receives, organizes, and stores data, enabling users to locate and retrieve information through Softheon s user-friendly interface. Key Functionalities Plan Catalog Management eliminates data entry dependencies, workflow bottlenecks, reduction of manual involvement, and provides savings by reducing expended resources. Organizations with complex business processes are invited to take the intelligent approach by considering Softheon s solution in order to save time and effort, achieve lower costs, and significantly reduce the risk of non-compliance. Softheon Technology The Softheon framework is implemented with commercial off-the-shelf (COTS) Business Process Management (BPM), Enterprise Service Bus (ESB), Service Oriented Architecture (SOA), and Business Activity Monitoring (BAM) technologies. Workflows are developed with Softheon Service Oriented Architecture (SOA), making them predictable and logical. The business rules are designed and integrated by the business using the Softheon Business Rules Composer. The system includes valuable reporting features, allowing organizations to work in a proactive rather than a reactive manner to address processing needs. These capabilities will allow any healthcare payer organization to quickly deploy and manage a workflow solution while leveraging legacy systems and other existing technology investments. CEWIT Stony Brook R&D 1500 Stony Brook Road Stony Brook, NY sales@softheon.com

6 Marketplace Facts By 2014, Health Insurance Marketplaces (HIMs) will become available. Between 2014 and 2015, small businesses will need to determine their participation in marketplaces. Despite tough economic conditions, small businesses continue to grow as advances in technology and production foster innovation and development of new products and services. Softheon Marketplace Connector Cloud (MC2) Plan Catalog Management SHOP Eligibility & Enrollment Financial Management Member Services Small Business Health Options Program (SHOP) Softheon Marketplace Connector Cloud (MC2) Small Business Health Options Program (SHOP) gives employers & employees in small business a cost-effective, value-driven opportunity to choose health plans while meeting budgetary demands. Softheon SHOP provides solutions for health plan issuers, small employers, & employees to connect with SHOP marketplaces. SHOP marketplaces will help small businesses find the best health insurance available at their price point. However, there will be many challenges when implementing SHOP and health plans will need strong financial management to ensure that costs are competitive. Health Plan Functional Challenges The Department of Health and Human Services (HHS) develops regulations to govern SHOP and provide technical assistance to Health Insurance Marketplaces (HIMs) creating and operating SHOP exchanges. Key functionalities are required in the following areas: Application Verification Eligibility determination Appeals Enrollment/Disenrollment Renewals Exception processing Premium processing Case management Assister fees Small employer premium payment transaction SHOP issuer and plan renewal and recertification Notices Reports Member assistance Small business/employer tools Broker management

7 Softheon Marketplace Connector Cloud (MC2) Small Business Health Options Program Softheon MC2 is designed to reduce fragmentation in data delivery, address significant issues in administrative overhead, and eliminate redundant information collection. Softheon MC2 Small Business Health Options Program (SHOP) interface provides real-time integration with respective HIM business areas to assist qualified small employers in enrolling employees in health insurance plans. Softheon MC2 SHOP enables health plan issuers to: Verify employers and employees Determine eligibility to participate in SHOP marketplaces Enable qualified employers to search, compare, and select from health plan products for employees Allow qualified employers to upload and maintain employee rosters Enable qualified employers to apply for tax credits Calculate and collect employee contributions Enable employees to purchase plans selected by employers Facilitate and track payments by employers and employees to the QHPs Process HIM fees and navigator payments Opportunities and Benefits Softheon Marketplace Connector Cloud (MC2) Small Business Health Options Program opportunities and benefits for health plans include: Easy access to health plan information online, making plan comparison and selection simple Improved employee options and comfort levels through the use of a simple, easy-to-understand user experience designed for individuals with little or no knowledge of health insurance Preserved employer control while helping to meet federal and state regulations and timetables Personalized support to help SHOP exchange participants make informed decisions Innovation and improvements in affordability, quality, and member service Lowered costs through improved operations and administration CEWIT Stony Brook R&D 1500 Stony Brook Road Stony Brook, NY sales@softheon.com

8 Marketplace Facts Health Insurance Marketplaces (HIMs) will increase access to a broad selection of health insurance options for individuals and small business employees. Consumers will elect coverage via a single point of access where they will receive eligibility determinations for enrollment as well as for insurance affordability programs, in order to end up with the Qualified Health Plans (QHPs) that best meet their needs. Softheon Marketplace Connector Cloud (MC2) Plan Catalog Management SHOP Eligibility & Enrollment Financial Management Member Services Eligibility & Enrollment According to the Patient Protection & Affordable Care Act (PPACA), eligibility & enrollment should be primarily achieved through a verification process in which an applicant or enrollee can declare, affirm, or document that eligibility requirements have been met so that enrollment in coverage occurs at the time of application or renewal. Expectations HIMs are to transmit eligibility and enrollment data to QHP issuers in real-time and will require issuers to acknowledge receipt of such information. This activity will require QHP issuers to provide detailed, up-to-date information on enrollment data, premium payments, and coverage effective dates in order to administer advance payments of premium tax credits and cost-sharing reductions. The eligibility and enrollment process should easily result in immediate enrollment and ensure that maintaining enrollment is an equally easy process. The system should be seamless for consumers and flexible for employers. Health Plan Functional Challenges Plan and benefit selection Enrollment initial enrollment, ongoing enrollment, open enrollment Voluntary and involuntary disenrollment Renewal Coordination of complex approval workflow process Measuring and tracking applications from point of receipt to enrollment Excessive errors due to disparities in data Rework generated from enrollment changes and errors Complex data entry into back-end Inflexibility of legacy systems Exemptions Appeals Case management Real-time 834 data transmission Security risks

9 Softheon Marketplace Connector Cloud (MC2) Eligibility & Enrollment Softheon Marketplace Connector Cloud (MC2) is designed to reduce fragmentation in data delivery and addresses significant issues in administrative overhead and redundant information collection. MC2 Eligibility & Enrollment can significantly reduce the administrative burden that the plans will experience during enrollment, thus allowing the plans to focus on customer care. It streamlines the eligibility verification and enrollment processes, thus reducing the time and expense required to enroll each new participant. Plans can increase the number of enrollees while simultaneously increasing their perceived level of customer service. HIMs transmit enrollment and eligibility data extracted from multiple databases in real time to health plan issuers via the MC2. This extract provides all the eligibility information required to successfully enroll members. MC2 Eligibility & Enrollment makes the information available to health plan clients in a format that each plan can immediately use in its enrollment process. Softheon Marketplace Connector Cloud (MC2) Eligibility & Enrollment solution: Submits applications to initiate eligibility and enrollment processes Provides supporting documentation to HIMs as requested Interfaces with HIMs to receive entire enrollment, disenrollment, and termination, as well as update renewals Serves as an intermediary between health plans and HIMs to allow seamless initial enrollment processing as well as verifications against information for renewals Allows tracking of enrollments Provides reports and data with privacy protections as required Direct Enrollment Softheon MC2 provides all the eligibility information required to successfully verify the qualification and enrollment of each applicant. This information is then made available to health plan clients in a customized format that each plan can immediately use in its enrollment process, reducing the time and expense required to enroll each new participant. The Direct Enrollment module also assists in the eligibility determination process to calculate an applicant s Advanced Premium Tax Credit (APTC) and Cost Sharing Reductions (CSRs), displaying gross enrollee obligations and net premiums. Opportunities and Benefits Softheon Marketplace Connector Cloud (MC2) Eligibility & Enrollment s customized technology offers opportunities and benefits for health plans so that they may provide superior service to their members. Health plan issuers can: Accommodate members with different online user capabilities and language preferences Seamlessly integrate with public and private plan options and enrollment process Verify enrollment information both internally and externally Quickly respond to market demands Leverage existing investments in technology Lower management costs associated with the acquisition and maintenance of technology Enhance reliability and extensibility Connect members with a range of human services programs, including health coverage Provide strong privacy and security protections Ensure the privacy of the data Control function-by-function access by individual users with automatic error detection Identify demographic discrepancies. Improve cycle time from application to enrollment Utilize existing enrollment processes to interface with multiple marketplaces - without the need to modify CEWIT Stony Brook R&D 1500 Stony Brook Road Stony Brook, NY sales@softheon.com

10 Marketplace Facts FFMs and some SBMs (HIMs) require health insurers to be responsible for billing as well as the collection of premiums (this includes coordinating with Marketplaces for payment of advanced premium tax credits for subsidy-eligible individuals). Given the number of health plans that may be offered through HIMs and the volume of subsidy-eligible individuals purchasing coverage, the complexity of coordinating the billing process and aggregating premiums for hundreds of thousands of individuals with different subsidy levels will dramatically increase the operational responsibilities of health insurers participating in HIMs. Health insurers that are prepared for this level of data management will be better prepared to successfully manage financial information and contain costs. Softheon Marketplace Connector Cloud (MC2) Plan Catalog Management SHOP Eligibility & Enrollment Financial Management Member Services Financial Management Health Insurance Marketplaces (HIMs) bring changes to the individual & small group markets that result in risk selection problems for health insurers. Financial Management is a business process that can help mitigate the impact of these issues by providing financial protection for health insurers. The following presents an overview of three risk spreading mechanisms required by law & demonstrates Softheon s solution, readily available, through the use of Softheon Marketplace Connector Cloud (MC2). Financial Management Core Areas PPACA presents four new concerns for health plan issuers that are specific to financial management: Advance payments of premium tax credits and cost sharing reductions Support for premiums and payments Claims and encounter data collection from small group and individual markets to calculate risk adjustment Collection of enrollee and rate data from outside HIMs for the purpose of performing risk adjustment calculations Health Plan Challenges Health plans must be prepared to face a number of challenges, starting with complex and tedious financial management regulations. They will be expected to perform the following functions: Data reporting Premium processing Data collection Risk spreading calculations Individual premium aggregation Assister financial transactions

11 Softheon Marketplace Connector Cloud (MC2) Financial Management Softheon Marketplace Connector Cloud (MC2) Financial Management allows insured enrollees, federal agencies, and health plans to receive invoices and make payments, providing a complete and transparent solution for all financial activities associated with the HIM. MC2 Financial Management provides functionality that allows health insurers to reconcile basic cash, receivables, and payable transactions between members and HIMs. Additionally, MC2 Financial Management is a robust reporting system supporting financial operations and meeting PPACA statutory and regulatory reporting requirements. Health plans using MC2 Financial Management have the ability to define and control their financial management activities while complying with all HIM requirements. MC2 Financial Management functionalities include: Generating detailed summary reports to the issuer regarding what data has been accepted and rejected Providing the total cost of providing benefits and the reinsurance contribution payment to the reinsurance entity Calculating the risk adjustment payments or charges to issuers based on actuarial risk of enrollees within a plan when compared to the state average actuarial risk Assessing charges to low actuarial risk plans and make payments to high actuarial risk plans Collecting risk adjustment charges from issuers Updating issuer accounts with issuer risk adjustment payment and charge data Notifying issuers of the risk adjustment charges, receive payments from those issuers, and monitor for unpaid charges Determining available funding for risk adjustment payments Generating annual risk adjustment financial report as required by HIMs and CMS Remaining consistent with Medicaid Information Technology Architecture (MITA) by adopting Service Oriented Architecture (SOA) Presenting online payment, mail payment, and phone payment systems and supporting multiple payment methods such as credit card, PayPal, BillPay, online check, and electronic funds transfers Supporting billing preferences and maintaining historical billing information Supporting pre-payment of the first month s premium enrollment Connecting with HIMs to receive remittance advices Supporting enrollees to manage their payments by accessing online accounts Providing ability to reconcile premium payments and resolve discrepancies Notifying HIMs about any enrollment changes that impact payments Providing flexible architecture to easily incorporate changes and new features Integrate with HIMs, plan catalog management, enrollment, SHOP and other solutions to send financial transaction data to intake, generate, and submit 820 EDI files. Opportunities and Benefits Softheon Marketplace Connector Cloud (MC2) Financial Management allows the health plan to: Meet customer demand quickly and precisely Lower operation costs associated with technology maintenance Leverage established investments in technology Minimize custom development Launch composite applications Lower the cost of maintenance and ownership Seamlessly interact with existing core technologies CEWIT Stony Brook R&D 1500 Stony Brook Road Stony Brook, NY sales@softheon.com

12 Marketplace Facts Members will need help understanding options and making decisions about HIM in They will want the same ease of use interfaces and communication options that have become standard in other online businesses. Companies that fail to provide a seamless online experience for users will not compete effectively in this new marketplace. Softheon solutions provide health plans with the ability to help members, assisters, and administrators at every stage of the HIM transaction. Softheon Marketplace Connector Cloud Plan Catalog Management SHOP Eligibility & Enrollment Financial Management Member Services Member Services The Patient Protection & Affordable Care Act (PPACA) establishes Health Insurance Marketplaces (HIMs) as online portals that will connect members to information needed to execute HIM choices electronically. Softheon Marketplace Connector Cloud (MC2) helps health plans face the HIM challenge and provides support to all categories of users - members, assisters, and administrators. Member Services Member Services is a multi-pronged outreach, education, and enrollment program coordinated with Health and Human Services (HHS), the Division of Insurance, and other agencies to provide online services, member service units, call centers, and walk-in centers to help people determine their eligibility and enroll in coverage. There are three major user categories: Member: individual, family, employee, and employer Assister: navigators, brokers, agents, county and state representatives, and Managed Risk Medical Insurance Board (MRMIB) Eligibility administrator: county, state, MRMIB and HIM staff Health Plan Challenges Member Services will need features and operations in these areas: Verbal and written languages Online help Plan and benefit assistance Assister registration Assister management Education and outreach Referrals to outside agencies

13 Softheon Marketplace Connector Cloud (MC2) Member Services Softheon Marketplace Connector Cloud (MC2) is designed to reduce fragmentation in data delivery and addresses significant issues in administrative overhead and redundant information collection. MC2 Member Services provides members with an easier purchasing experience, and enables health plans to act as the first point of contact by offering easy access to health coverage information and member services across multiple channels and mechanisms. Major features include: Interface in real-time with the ability to transfer inquiries between HIMs and health plan call centers Provide online help and educational materials with our Knowledge Management System (KMS) Provide real time guidance and navigation to help and enable live member service features Support a user-friendly, web-based, and self-service platform founded on principles of UX 2014 Integrate with IVR to provide online support to all members via a range of web browsers and mobile applications Provide member correspondence, online chat, and phone call assistance by utilizing our proven customer service software module Opportunities and Benefits State and Federal Marketplaces are major new enrollment venues for health plans. Softheon Marketplace Connector Cloud (MC2) Member Services allows health plans to: Develop brand identity and expand market share by informing and educating healthcare members Provide customized support to multiple categories of users to present relevant information in the most useful format Understand health insurance choices by personally assisting members Understand market demands of healthcare members by facilitating feedback through multiple mechanisms CEWIT Stony Brook R&D 1500 Stony Brook Road Stony Brook, NY sales@softheon.com

14 Softheon Success Story Major Northeast Health Insurance Payer Focus Enhance and streamline case processing for complaints, appeals, and grievances using an integrated imaging, document management, and end-to-end workflow system that tracks all complaints, appeals, and grievances. Issue Previous data processing made it difficult to understand the complexity of cases and there was no easy way to make business rule changes. Entire platform lacked tracking mechanisms, including tracking of root cause analysis and follow-up. Accountability and response times were poor. Workflow Solution Softheon Marketplace Connector Cloud (MC2): Complaints, Appeals, & Grievances Complaints, Appeals, & Grievances Softheon Marketplace Connector Cloud (MC2) Complaints, Appeals, & Grievances establishes a process for customers to submit their complaints, grievances, or appeals regarding eligibility determinations & other activities related to the marketplace and health plan. Softheon Complaints, Appeals, & Grievances major features include: Being the first point of contact for consumers, employers, and assistors - Community Assistors, Navigators, Producers (brokers or agents) - to log their complaints, appeals, and grievances Providing multiple mechanisms to log complaints and grievances Providing mechanisms to track the life cycle of complaints and grievances and their outcomes Providing the ability to attach associated documents, as well as voice and video recordings related to the complaints in the system Establishing notification mechanisms to the appellants through multiple channels such as paper, , text messaging and more Other complaints, appeals, and grievances management features as required

15 About Softheon Empowering the nation s first state health benefit exchange since 2008, Softheon s vision and strategic direction address healthcare payer, provider, and government agencies goals of meeting Affordable Care Act (ACA) milestones. Softheon provides solutions for interacting with Federal and State Health Insurance Marketplaces (HIMs) - measurably reducing administrative costs, improving member and provider satisfaction, and addressing regulatory compliance challenges in all managed care administrative processes. Softheon s Marketplace Connector Cloud (MC2) has been trusted by over 35 health plans as an accelerated federal, state, and private marketplace integration platform. Softheon MC2 is a Software-as-a-Service (SaaS) solution where insurers pay a one-time activation and ongoing PMPM fees for marketplace members only, while eliminating most, if not all, risks associated with ACA compliance of 2014 enrollment and other mandates. To find out more about the Softheon, visit Softheon, Inc. CEWIT Stony Brook R & D Park 1500 Stony Brook Road Stony Brook, NY Phone Softheon, Inc. All products and company names used in this publication are copyrights, trademarks or registered trademarks of their respective holders. CEWIT Stony Brook R&D 1500 Stony Brook Road Stony Brook, NY sales@softheon.com

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