From: Anderson, Tanya [tanyaanderson@teletech.

com] Sent: Friday, October 15, 2010 3:34 PM To: HHS HealthInsurance (HHS) Cc: Danette Martin; Kanack, Rachel; Culler, Kelly; Jossi, Mike; Brierly, William Subject: Waiver Attachments: Teletech Waiver request.pdf
Attached is the restricted annual maximum waiver application for TeleTech Holdings, Inc. If you need any additional information or have any questions please contact Rachel Kanack at 303-397-8334.
TeleTech Tanya Anderson |Director of Benefits| Global Benefits 9197 South Peoria Street | 2.174.1| Englewood, CO. 80112 | USA +1303-397-8779 (direct) | +1303-397-8670 (fax) | tanyaanderson@teletech.com

Document obtained by CompleteColorado.com

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Please visit us at http://www.teletech.com ............................................................ This EMAIL and any attachments may contain confidential, proprietary and/or privileged information. If you are not the intended recipient, please immediately notify the sender by return email, and delete this communication and any copies. Any dissemination or use of this information by a person other than the intended recipient is unauthorized and may be subject to criminal and civil proceedings. Unless otherwise stated, opinions expressed in this email are those of the author and are not endorsed by TeleTech Holdings. ............................................................

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file:///T|/...ELLOW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/TeleTech%20Holdings,%20Inc/Waiver%20.htm[08/03/2011 3:11:12 PM]

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TeleTech:000001

Document obtained by CompleteColorado.com

Ex. 4

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Ex. 4 Ex. 4 Ex. 4 Ex. 4

TeleTech:000002

Document obtained by CompleteColorado.com

Ex. 4 Ex. 4 Ex. 4 Ex. 4 Ex. 4 Ex. 4 Ex. 4

Ex. 4

Ex. 4

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Ex. 4 Ex. 4 Ex. 4 Ex. 4

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Document obtained by CompleteColorado.com

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TeleTech:000004

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Document obtained by CompleteColorado.com

Page 5 redacted for the following reason: --------------------Exemption 4

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TeleTech:000005

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From: Habit, Sandra (HHS/OCIIO) Sent: Tuesday, November 02, 2010 4:30 PM To: tanyaanderson@teletech.com Subject: Waiver Application - Teletech Holding Dear Ms. Anderson,

Document obtained by CompleteColorado.com

Thank you for your application for the Waiver of the Annual Limits Requirements of the PHS Act Section 2711. In order to complete your application, please provide the following information about the Teletech Holdings "Basic" and "PPO" plans.

Please provide this information by 5:00 pm, November 4, 2010. We look forward to receiving your completed application. If you have any questions, please feel free to contact me at 301-492-4175.

Thank you, Sandy Habit

Sandra Habit Office of Consumer Information and Insurance Oversight 301-492-4175 Sandra.Habit@hhs.gov

TeleTech:000006

file:///T|/...%2012600%20Response%20[YELLOW]/TeleTech%20Holdings,%20Inc/Request%20for%20Additional%20Info%2011.2.10.htm[08/03/2011 3:11:13 PM]

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4.

Indicate whether the plans are individual or group policies.

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2. 3.

Effective renewal dates for both plans.

Indicate if the plan is fully-insured plan or a self-insured plan.

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1. (The premium amounts is the total cost to the employer and the employee) Premium Premium Premium % increase if the (current level) (renewal) (if $750,000 $750,000 was annual limit was implemented applied) EE EE + Child (if applicable or other appropriate tier) EE + Spouse (if applicable or other appropriate tier) Family (if applicable or other appropriate tier)

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Document obtained by CompleteColorado.com

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TeleTech:000007

file:///T|/...%2012600%20Response%20[YELLOW]/TeleTech%20Holdings,%20Inc/Request%20for%20Additional%20Info%2011.2.10.htm[08/03/2011 3:11:13 PM]

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From: Anderson, Tanya [tanyaanderson@teletech.com] Sent: Wednesday, November 03, 2010 5:30 PM To: Habit, Sandra (HHS/OCIIO) Subject: RE: Waiver Application - Teletech Holding

Document obtained by CompleteColorado.com

Attachments: Health Basics Waiver Application_Addendum (2).doc

SandraHere is the information you requested. Please let me know if there is anything else you need.

From: Habit, Sandra (HHS/OCIIO) [mailto:Sandra.Habit@hhs.gov] Sent: Tuesday, November 02, 2010 2:30 PM To: Anderson, Tanya Subject: Waiver Application - Teletech Holding

Dear Ms. Anderson, Thank you for your application for the Waiver of the Annual Limits Requirements of the PHS Act Section 2711. In order to complete your application, please provide the following information about the Teletech Holdings "Basic" and "PPO" plans. 1. (The premium amounts is the total cost to the employer and the employee) Premium Premium Premium % increase if the $750,000 was (current level) (renewal) (if $750,000 annual limit was implemented applied) EE EE + Child (if applicable or other appropriate tier) EE + Spouse (if applicable or other appropriate tier) Family (if applicable or other appropriate tier) 2. Effective renewal dates for both plans.

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file:///T|/...esponse%20[YELLOW]/TeleTech%20Holdings,%20Inc/Request%20for%20Additional%20Info%20Response(1)%2011.4.10.htm[08/03/2011 3:11:13 PM]

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TeleTech:000008

TeleTech Tanya Anderson |Director of Benefits| Global Benefits 9197 South Peoria Street | 2.174.1| Englewood, CO. 80112 | USA +1303-397-8779 (direct) | +1303-397-8670 (fax) | tanyaanderson@teletech.com

 Please provide this information by 5:00 pm, November 4, 2010. We look forward to receiving your completed application. If you have any questions, please feel free to contact me at 301-492-4175. Thank you, Sandy Habit

Document obtained by CompleteColorado.com 3. Indicate if the plan is fully-insured plan or a self-insured plan. 4. Indicate whether the plans are individual or group policies.

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Please visit us at http://www.teletech.com ............................................................ This EMAIL and any attachments may contain confidential, proprietary and/or privileged information. If you are not the intended recipient, please immediately notify the sender by return email, and delete this communication and any copies. Any dissemination or use of this information by a person other than the intended recipient is unauthorized and may be subject to criminal and civil proceedings. Unless otherwise stated, opinions expressed in this email are those of the author and are not endorsed by TeleTech Holdings. ............................................................

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file:///T|/...esponse%20[YELLOW]/TeleTech%20Holdings,%20Inc/Request%20for%20Additional%20Info%20Response(1)%2011.4.10.htm[08/03/2011 3:11:13 PM]

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TeleTech:000009

Sandra Habit Office of Consumer Information and Insurance Oversight 301-492-4175 Sandra.Habit@hhs.gov

From: Anderson, Tanya [tanyaanderson@teletech.com] Sent: Thursday, November 04, 2010 12:22 PM To: Habit, Sandra (HHS/OCIIO) Subject: FW: Waiver Application - Teletech Holding

Document obtained by CompleteColorado.com

Attachments: Health Basics Waiver Application_Addendum (2).doc

SandraHere is the application addendum updated with the additional language. Please let me know if you need anything else.
TeleTech Tanya Anderson |Director of Benefits| Global Benefits 9197 South Peoria Street | 2.174.1| Englewood, CO. 80112 | USA +1303-397-8779 (direct) | +1303-397-8670 (fax) | tanyaanderson@teletech.com

From: Anderson, Tanya Sent: Wednesday, November 03, 2010 3:30 PM To: 'Habit, Sandra (HHS/OCIIO)' Subject: RE: Waiver Application - Teletech Holding

Dear Ms. Anderson, Thank you for your application for the Waiver of the Annual Limits Requirements of the PHS Act Section 2711. In order to complete your application, please provide the following information about the Teletech Holdings "Basic" and "PPO" plans. 1. (The premium amounts is the total cost to the employer and the employee) Premium Premium Premium % increase if the (current level) (renewal) (if $750,000 $750,000 was annual limit was implemented applied) EE
TeleTech:000010

file:///T|/...0Response%20[YELLOW]/TeleTech%20Holdings,%20Inc/Request%20for%20Additional%20Info%20Response%2011.4.10.htm[08/03/2011 3:11:14 PM]

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From: Habit, Sandra (HHS/OCIIO) [mailto:Sandra.Habit@hhs.gov] Sent: Tuesday, November 02, 2010 2:30 PM To: Anderson, Tanya Subject: Waiver Application - Teletech Holding

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TeleTech Tanya Anderson |Director of Benefits| Global Benefits 9197 South Peoria Street | 2.174.1| Englewood, CO. 80112 | USA +1303-397-8779 (direct) | +1303-397-8670 (fax) | tanyaanderson@teletech.com

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SandraHere is the information you requested. Please let me know if there is anything else you need.

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EE + Child (if applicable or other appropriate tier) EE + Spouse (if applicable or other appropriate tier) Family (if applicable or other appropriate tier)

Document obtained by CompleteColorado.com

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Please visit us at http://www.teletech.com ............................................................ This EMAIL and any attachments may contain confidential, proprietary and/or privileged information. If you are not the intended recipient, please immediately notify the sender by return email, and delete this communication and any copies. Any dissemination or use of this information by a person other than the intended recipient is unauthorized and may be subject to criminal and civil proceedings. Unless otherwise stated, opinions expressed in this email are those of the author and are not endorsed by TeleTech Holdings. ............................................................

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Sandra Habit Office of Consumer Information and Insurance Oversight 301-492-4175 Sandra.Habit@hhs.gov

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2. Effective renewal dates for both plans. 3. Indicate if the plan is fully-insured plan or a self-insured plan. 4. Indicate whether the plans are individual or group policies. Please provide this information by 5:00 pm, November 4, 2010. We look forward to receiving your completed application. If you have any questions, please feel free to contact me at 301-492-4175. Thank you, Sandy Habit

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file:///T|/...0Response%20[YELLOW]/TeleTech%20Holdings,%20Inc/Request%20for%20Additional%20Info%20Response%2011.4.10.htm[08/03/2011 3:11:14 PM]

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Document obtained by CompleteColorado.com

TeleTech Holdings, Inc. Restricted Annual Maximum Waiver Application Employer: Plan Name: Plan Administrator: Contact information: TeleTech Holdings, Inc. Health Basics Plan TeleTech Holdings Rachel Kanack 9197 S. Peoria Street Englewood, CO 80112 303-397-8334

Supplemental Information

1. (The premium amounts is the total cost to the employer and the employee) Health Basics Plan Premium (current level)
Ex. 4

EE Only EE + Spouse EE + Child(ren) EE + Family

PPO Plan

Premium (current level)

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*Note that the estimated premium above is reflective solely of changing the lifetime maximum to an annual maximum of $750,000 and the removal of the individual annual service limits (prescription, primary care, hospitalization, laboratory,etc) in the current program and does not reflect any change in severity of morbidity costs (anti-selection) due to members migrating from the PPO to the Health Basics plan with the improved coverage. Also, the cost of this plan would be even higher than the PPO if an out-of-pocket maximum were to be added to protect members, which is why if the waiver application is not approved, TeleTech will simply no longer offer this plan.

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Premium (renewal)

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EE Only EE + Spouse EE + Child(ren) EE + Family

** We are not applying for a waiver on the PPO plan. 2. Effective renewal dates for both plans. Both the PPO and the Health Basics plan renew on 1/1/2011. 3. Indicate if the plan is fully-insured plan or a self-insured plan. Both the PPO and the Health Basics plans are self-insured.

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Premium (renewal)

Premium % increase if the (if $750,000 $750,000 was annual limit was implemented

Premium % increase if the (if $750,000 $750,000 was annual limit was implemented

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Document obtained by CompleteColorado.com

4. Indicate whether the plans are individual or group policies. Both the PPO and the Health Basics plans are group plans.

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Document obtained by CompleteColorado.com

TeleTech Holdings, Inc. Restricted Annual Maximum Waiver Application Employer: Plan Name: Plan Administrator: Contact information: TeleTech Holdings, Inc. Health Basics Plan TeleTech Holdings Rachel Kanack 9197 S. Peoria Street Englewood, CO 80112 303-397-8334

Supplemental Information

1. (The premium amounts is the total cost to the employer and the employee) Health Basics Plan Premium (current level)
Ex. 4

EE Only EE + Spouse EE + Child(ren) EE + Family

PPO Plan

Premium (current level)

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*Note that the estimated premium above is reflective solely of the increased annual maximum and the removal of individual service limits in the current program and does not reflect any change in severity of morbidity costs (anti-selection) due to members migrating from the PPO to the Health Basics plan with the improved coverage. Also, the cost of this plan would be even higher than the PPO if an outof-pocket maximum were to be added to protect members, which is why if the waiver application is not approved, TeleTech will simply no longer offer this plan.

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Premium (renewal)

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EE Only EE + Spouse EE + Child(ren) EE + Family

2. Effective renewal dates for both plans. Both the PPO and the Health Basics plan renew on 1/1/2011.

3. Indicate if the plan is fully-insured plan or a self-insured plan. Both the PPO and the Health Basics plans are self-insured. 4. Indicate whether the plans are individual or group policies. Both the PPO and the Health Basics plans are group plans.

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Premium (renewal)

Premium % increase if the (if $750,000 $750,000 was annual limit was implemented

Premium % increase if the (if $750,000 $750,000 was annual limit was implemented

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Monday, November 15, 2010 9:11 AM To: 'tanyaanderson@teletech.com' Subject: Waiver of the Annual Limits Requirements of PHS Act Section 2711 Importance: High Attachments: Updated Jan 1 Approval Letter .pdf Ms. Anderson, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section for Teletech Holdings. HHS has reviewed your application and made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail address with a copy to OCIIOOversight@hhs.gov. Please let me know if I can be of further assistance. Sincerely,

Document obtained by CompleteColorado.com

alexandra.botwinick@hhs.gov

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file:///T|/...20NO%2012600%20Response%20[YELLOW]/TeleTech%20Holdings,%20Inc/Approval%20Letter%20Sent%2011-15-2010.htm[08/03/2011 3:11:37 PM]

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Document obtained by CompleteColorado.com

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Document obtained by CompleteColorado.com

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From: Anderson, Tanya [tanyaanderson@teletech.com] Sent: Monday, November 15, 2010 10:19 AM To: Botwinick, Alexandra (HHS/OCIIO) Cc: OCIIOOversight@hhs.gov. Subject: RE: Waiver of the Annual Limits Requirements of PHS Act Section 2711
Letter received. Thank you
From: Botwinick, Alexandra (HHS/OCIIO) [mailto:Alexandra.Botwinick@hhs.gov] Sent: Monday, November 15, 2010 7:11 AM To: Anderson, Tanya Subject: Waiver of the Annual Limits Requirements of PHS Act Section 2711 Importance: High

Document obtained by CompleteColorado.com

alexandra.botwinick@hhs.gov

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Alexandra Botwinick Office of Oversight HHS/OCIIO

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Ms. Anderson, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section for Teletech Holdings. HHS has reviewed your application and made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail address with a copy to OCIIOOversight@hhs.gov. Please let me know if I can be of further assistance. Sincerely,

Please visit us at http://www.teletech.com ............................................................ This EMAIL and any attachments may contain confidential, proprietary and/or privileged information. If you are not the intended recipient, please immediately notify the sender by return email, and delete this communication and any copies. Any dissemination or use of this information by a person other than the intended recipient is unauthorized and may be subject to criminal and civil proceedings. Unless otherwise stated, opinions expressed in this email are those of the author and are not endorsed by TeleTech Holdings. ............................................................

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file:///T|/...O%2012600%20Response%20[YELLOW]/TeleTech%20Holdings,%20Inc/Confirmation%20of%20Receipt%2011-15-2010.htm[08/03/2011 3:11:38 PM]

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TeleTech:000018

From: Anderson, Tanya [tanyaanderson@teletech.com] Sent: Monday, November 15, 2010 9:15 AM To: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: Waiver of the Annual Limits Requirements of PHS Act Section 2711
Letter has been received

Document obtained by CompleteColorado.com

From: Botwinick, Alexandra (HHS/OCIIO) [mailto:Alexandra.Botwinick@hhs.gov] Sent: Monday, November 15, 2010 07:10 AM To: Anderson, Tanya Subject : Waiver of the Annual Limits Requirements of PHS Act Section 2711

alexandra.botwinick@hhs.gov

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Alexandra Botwinick Office of Oversight HHS/OCIIO

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Please visit us at http://www.teletech.com ............................................................ This EMAIL and any attachments may contain confidential, proprietary and/or privileged information. If you are not the intended recipient, please immediately notify the sender by return email, and delete this communication and any copies. Any dissemination or use of this information by a person other than the intended recipient is unauthorized and may be subject to criminal and civil proceedings. Unless otherwise stated, opinions expressed in this email are those of the author and are not endorsed by TeleTech Holdings. ............................................................

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Ms. Anderson, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section for Teletech Holdings. HHS has reviewed your application and made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail address with a copy to OCIIOOversight@hhs.gov. Please let me know if I can be of further assistance. Sincerely,

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file:///T|/...eleTech%20Holdings,%20Inc/Confirmation%20of%20Receipt%20of%20Approval%20Letter%2011-15-2010.htm[08/03/2011 3:11:38 PM]

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