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【本報訊】旅遊發展局舉辦的香港美酒佳餚巡禮將於本月三十一日至十一月三日舉行，迷利倉一改往年於西九龍海濱舉行的傳統，首次移至新政府總部對開中環新海濱舉行，更首設入場費三十元。活動焦點是新設的「品味館」，將舉行由波爾多紅酒專家主講「法國1855年列級酒莊」品酒會，及由香港廚師協會主理的美酒佳餚饗宴。今年巡禮設近三百個美酒及美食攤位，展出來自十六國自存倉釀美食。新設的「品味館」將於十一月二及三日下午設「法國1855年列級酒莊」品酒班，旅發局總經理洪忠興指，參加者有機會品嘗九支高級名酒，包括由著名酒莊「武當」出產的佳釀，及世界權威酒評家Robert Parker評為一百分的美酒。今年的標準品酒證售價二百元；二人同行標準品酒證售三百元，不過只限以「購票通」預訂，預訂任何品酒證可獲豁免入場費。mini storage

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廣州動物園的環球飛車免費表演為你保留到11月底、流花湖公園的盆景展還有三天才結束……國慶長假今天結束，迷你倉但廣州市區為國慶準備的節目並未收場，選擇出游被堵高速公路、滯留在景區人海中的市民返城後可以觀賞到本地不少精彩項目。動物園環球飛車還有戲截至昨天，廣州動物園6天的遊客數量已達到33萬人，而被媒體描述為遊客“爆棚”的2010年國慶7天的客流量也只有30萬人。廣州動物園相關工作人員表示，一方面是今年天氣比較適合旅遊，另外今年留在城里過節的市民似乎比往年多一些。廣州動物園今年還在北門為遊客免費準備了環球飛車特技表演，只要購買門票入內，就可免費觀賞。據瞭解，這一節目將在國慶後繼續保留至11月30日。平常每天10：30、11：30、14：00、15：00，表演4場，遇到節假日將在10：00和13：30增加兩場。這個月雲台花園還有燈會雲台花園耗資300多文件倉元舉辦的“奇妙俄羅斯之旅”大型主題燈會一亮相就受到市民歡迎。一進門便映入眼簾的東歐風情大門，分佈在園內的神秘的俄羅斯古堡、威武的俄羅斯士兵、美麗的天鵝湖、俄羅斯大馬戲、俄羅斯方塊和可愛的北國套娃，還有園內以俄羅斯國花———向日葵作為主題花材搭配燈組造景，約您共醉在這“莫斯科郊外”美麗的夜晚，燈展將維持到本月底。採寫：南都記者劉軍 實習生陳燕 通訊員 梁毅� 溫美燕鏈接石門公園花海明天起或關閉 南都訊 記者劉軍 實習生陳燕 原計劃開放到月底的從化石門國家森林公園“七彩天池”觀賞節很可能在國慶假期結束後關閉。據園區工作人員表示，“七彩天池”園區因8月15日的颱風道路遭到破壞，經過搶修後得以在國慶假期開放，但只是臨時性。“國慶假期過後開放的難度比較大，因為通往七彩天池的道路破壞比較嚴重，可能需要封閉維修，其他部分景點應該問題不大。”該工作人員表示。存倉

台東，儲存台灣最後的淨土，是遊客心目中的美麗後花園，除了有自然風光外，「台東原生應用植物園」已成為台東旅遊地圖中的亮點，在一大片藍天綠地中來場獨特的藥草養生之旅，讓遊客視覺與味蕾的感官享受無限放大。然而，在最純淨的原始環境中，最需要先進的科技服務輔助，台東原生應用植物園在經營層面上選擇與中華電信成為合作夥伴，藉由雲端ERP及POS服務，讓這個台東觀光亮點有更值得期許的美好未來。親子牧場伴手禮多樣台東是台灣珍貴的藥草故鄉，在日據時代曾有「藥山」的美名，主要是因為這裡少有天災，天氣相對濕潤，海上又有黑潮經過，天然氣候的優越條件成為藥草種植的最佳環境，孕育出超過上千種珍貴藥草值物。為讓台東這個獨特資源能發揚光大，由台東多位飯店、旅遊業者及農業博士於台東卑南成立創立生物科技公司，下轄台東原生應用植物園，將觀光休閒娛樂與藥草植物結合，內有庭園造景、育苗種源區、親子牧場、餐廳、探索導覽、親子DIY、植物生活伴手禮等各種吃喝玩樂內容，已是台東旅遊必定造訪之地，每年吸引超過23萬名遊客。「越是偏遠的地方越難找人才，電腦化就越顯重要！」台東原生應用植物園總經理羅彥鐘表示，由於園區占地廣大、服務內容多元化，加上未來又有加盟擴點及成立飯店的規畫，甚至還可能與大陸合作，必須有完善的ERP及POS系統才能應付實際需求，並為未來鋪路。中華電信提供的電子商務服務有兩大特點，一是費用門檻低，二是設計彈性高。剛開始評估的二、三家服務提供業者，最讓人為之卻步的就是初期只系統及伺服器費用就開價逾百萬，先不管這些服務好壞與否，光這樣的投資對剛起步的業者來說就是如同割肉般痛苦，再說砸下百萬元後，未來會如何都很難說，怎下得了手。還好中華電信也在評估之列，採用月租付費方式對企業草創初期的衝擊相對少了很多，門檻低的合理費用成為採用中華電信雲端ERP及POS系統的最主要原因之一。羅彥鐘表示，評估時也考量另一個因素，就是服務能否因人而異或量身修改。其他業者所提出的服務都是採固定的寫死內容，不能依客戶不同需求改變，而是客戶要去牽就所採用的系統，讓導入過程增加更多疑慮。反觀中華電信的ERP及POS服務提供相對的高彈性，經過溝通後都能依客戶的需求做修改，用起來既放心又順手，未來營業項目擴增或經營規模變動也都能仰賴這種具有彈性的服務。在台東經營觀光業，由於交通相對不便，淡旺季相當明顯，主要集中的過年及寒暑假，其他時間靠的就是與旅行社結合接待團客。羅彥鐘說，台東原生應用植物園能提供旅行社團體最迫切的用餐需求，當客戶下車用餐前先來個園區導覽，用餐後自由活動時免不了要買些伴手禮，若用了喜歡，後續還可透過網路購買，這就形成一個正向循環。系統完善查帳不麻煩這個看似簡單的循環裡，其實要靠多部門的連結與配合，才能儲存倉最有效率方式提升顧客滿意度及營業額。羅彥鐘表示，導入中華電信雲端ERP及POS系統最重要的主軸就是讓總部與現場單位有更完美的結合。他舉例，過去財務部要追帳時，忙得不可開交的餐廳部門就難全面配合，弄得雙方都不愉快，現有良好的後端系統可讓財務部門進入查帳，就不必再去麻煩現場人員，雙方都可順利完成自己該做的業務。「例行瑣事交給電腦，面對顧客溝通應對的工作就交給人來執行。」羅彥鐘說，中華電信雲端ERP及POS系統的引進讓這樣的分工不僅可順利落實，而且也達到預期的功效。比如過去出勤系統靠的是傳統的打卡鐘，除了怕打卡鐘故障外，若印的時間難以辨識也易引發爭議，人資部門光是看這些卡都看到眼睛花了。現在出勤系統配合導入的中華電信ERP採用指紋機，出勤狀況全都進入電腦，人資部門直接在電腦上叫出資料即可，省去了麻煩，人資作業也避免爭議更有效率。另像是工程單位，以往如飲水機等產品報修都是人工作業，哪裡有東西要修、修的進度如何，都無法即時掌握，常常是漏了某處等到客人報怨後才知道問題尚未解決，給客戶帶來不好的印象。但現在有了中華電信的ERP系統後，現場單位報修立即上線，工程單位簽核，管理者追蹤可一目了然，更方便管理階層掌握大小事，而且就算不在座位上也能透過平板電腦等手持裝置上線，隨時都在狀況內。資安維謢有專家把關若是在傳統的思維下，不管是導入ERP或POS系統就得同時聘請專業資訊管理人員來維持軟硬體運行順利，但像台東原生應用植物園並不是科技產業，羅彥鐘坦言聘請專職資訊管理人員有時是多餘的，系統網路沒問題時閒閒沒事，一遇固障就忙得昏天暗日，就好像消防隊一樣，有災情才感受到需要。但採用中華電信雲端EPR及POS服務，就省去這種是否聘請專職資訊管理人員的天人交戰，因為所有後端硬體伺服器都放在中華電信的雲端機房內，各種資安維謢都有中華電信專業把關，一旦有任何問題也由中華電信打點，這樣客戶只要專心在如何透過ERP及POS系統將工作效率做最大限度的放大，這才是經營之道。像羅彥鐘就指出，除了現場服務外，台東原生應用植物園有8,000多的網路會員，有了中華電信雲端POS系統，就能針對客戶性別、年齡、居住地、家庭狀況的不同喜好及需求分析出最適合的產品及行銷方式，而不是亂槍打鳥無效率；而在餐廳部分也可透過POS系統了解不同季節時客戶用餐時間的多寡，進而能採取有效的措施。台東的美與獨特，台東原生應用植物園以自己的方法重新詮釋，你可以在園內的牧場餐廳享用健康養生的汆湯鍋、帶個白鶴靈芝茶回家當伴手禮，未來這裡還將有觀光旅館留客，讓你盡情享受台東的美。更多中華電信ERP產品請造訪產品網站：.hisales.hinet.net/erp，或撥打免付費客服電話0800-080-365由專人為您服務。迷你倉最平

DECISIONS over government spending took centrestage on global trading floors last week, with the United States and Japan taking very different approaches to resolving their budget woes.儲存Markets watched bemusedly as US House Republicans refused to pass the government's spending Bill until their demands on a separate health-care law were met, forcing federal operations to shut down for the first time in 17 years.Traders were little concerned at first: US stocks rose on the first day of the shutdown and Asian bourses shrugged off the fuss early in the week. But nerves started to fray as the shutdown wore on.Economists, the International Monetary Fund and world governments have warned about the adverse economic impact of a prolonged shutdown. Businesses are also fretting, with layoffs and production halts at US manufacturers that supply the government.Meanwhile, markets are now eyeing another impending political stand-off: a fight over the US government's borrowing limits.As it stands now, the US government is due to run out of borrowed money to pay its bills on Oct 17. If its US$16.7 trillion (S$21 trillion) debt ceiling is not raised by Congress by then, the world's largest economy could default on its debts for the first time ever.The US Treasury has warned that the mere spectre of default could "roil financial markets and damage the economy", with effects that may last a generation.The last serious debt limit crisis faced by the US was in August 2011, when a last-minute deal to extend US borrowing failed to prevent carnage in stock markets or ratings agency Standard & Poor's from downgrading US sovereign debt for the first time ever.Sself storageill, Credit Suisse has noted that the economic backdrop is better this time, with the US in a stronger fiscal position and global growth picking up.It also helps that on the other side of the world, Japan is doing a better job of fixing its finances.Prime Minister Shinzo Abe last week said he will proceed to hike the consumption tax next April as part of a plan to narrow Japan's budget deficit, the largest in the world relative to its economy. To cushion the economic impact, the government will roll out a 5 trillion yen (S$64 billion) stimulus package. Ratings agency Moody's said it will help Japan manage its high debt and maintain market confidence in Japanese bonds.The upside for markets from all these fiscal manoeuvrings is that monetary policy is likely to stay loose for longer, meaning more liquidity to boost asset prices.In the US, the precarious economic climate has reduced the chances of the central bank pulling back on its monetary stimulus in the near term. "Because of the uncertainty in Washington and potential risks of renewed fiscal headwinds... monetary policy will stay on hold for now," said Schroders head of US multi-sector fixed income David Harris.Japan's monetary easing is also expected to remain aggressive, with the Bank of Japan pledging to step in if the tax hike derails the economy.HSBC economist Izumi Devalier expects it to step up its asset purchases in the second quarter next year, most likely in April.These monetary machinations will provide some relief to their respective economies, but they can only be temporary. Governments still have to take serious steps to get their finances in order.fiochan@sph.com.sg迷利倉

壽險資金投資海外，儲存今年挑戰新台幣6兆元大關。保發中心統計，到今年7月底，壽險業投資海外金額已近5.84兆元，其中7月單月新增1,640億元，更創下今年單月新高，以目前壽險業資金成長速度推算，今年第4季可望突破6兆元。此外，今年因為三家公司認列不動產增值利益，且股市波動目前仍算平穩，前7月壽險業稅後獲利已有538億元，超越去年全年獲利363億元水準，今年全年獲利有望挑戰統計以來的新高。但為因應量化寬鬆（QE）退場、全球升息等議題，保險局近期也已第二度調查壽險業海外投資債券的情況，要求各公司評估利率每上升1個百分點，對淨值可能的影響情況。到今年7月為止，壽險業淨值為5,927億元，比6月底時減少了251億元，但距今年4月淨值高點時的7,356億元，則是蒸發了1,429億元，此一情況，8、9月仍有些延續mini storage主要都來自海外債券未實現利益減少。目前面臨利息可能往上調升，壽險業有減持國內公債、金融債的情況，國外部分也開始換手操作，壽險業者表示，會逐步處理一些低利率時期買進來的債券，將資金轉往近來較高利率的商品，以提高整體資金報酬率。國外投資目前仍是壽險資金主要去化項目，一年壽險資金會增加近新台幣2兆元，其中有8,000∼9,000億元會轉往海外投資，另外也有國人投保外幣傳統保單的部分，也計入國外投資餘額。據悉，今年因為全球人壽承受國華人壽資產，閒置資金也有相當一部分會匯往海外投資，因此預估今年壽險業投資海外餘額將突破新台幣6兆元，占其可運用資金約42％。壽險業投資台股總市值已突破新台幣1兆元，占其可運用資金的7.6％，今年底前，若幾大地上權案、內湖商辦都能順利標脫，則壽險業投資不動產餘額將破8,000億元。self storage

內地“十·一”黃金周假期即將結束，迷你倉觀乎官方入境旅客數字及各行各業初步反應，黃金周假期客量生意繼續報捷，絲毫沒有因國家《旅遊法》實施出現倒跌。不過，黃金周檔期酒店房價仍然偏高，旅行團避開旅遊旺季，故訪澳內地客以自由行為主，新法造成的影響尚未完全反映。淡季酒店為保持入住率，往往加推房價優惠，旅行團組團成本下降，故淡季才是團客訪澳高峰。現更關注國慶黃金周旺季過後，淡季生意會否轉差。國家《旅遊法》實施，其中一個重要目的是理順旅遊產品價格，杜絕長期充斥市場的零負團費，把扭曲的出境遊秩序拉回正軌。直接帶來的結果是零負團費較嚴重的港澳遊團費上升，與東南亞國家團費差距進一步拉近，意味著港澳旅遊業未來將與東南亞國家直接競爭內地團客。尤其澳門，能否在團費急升後保持競爭優勢，拭目以待。�所周知，內地絕大多數消費者屬於價格敏感型，最關心付出的價格與服務體驗是否成正比。當旅遊產品如團費等急升，但服務未能迅速跟上，相信會惹來內地客的較大反彈。另一方面，東南亞團費與港澳團費進一步拉近，倘澳門提供的服務體驗滯後，文件倉地旅客或改遊東南亞，畢竟澳門已非出遊“平靚正”首選，同一個價格可供選擇的旅遊目的地�多，而且港澳遊開放了這麼多年，不少人已經來過不只一次。澳門近十年博彩業帶動旅遊成功模式，引來周邊國家或地區爭相仿效。可以想像，澳門面對的區域競爭越來越激烈，縱有地理位置、博彩業領先發展等優勢，但未能及時解決城市內部的軟硬件服務配套，最終優勢差距會逐漸收窄，甚至被競爭對手超越。值得慶幸的是政府、旅遊、餐飲等業界已意識到服務質素正在下跌，著手制訂措施穩定旅遊服務質素。措施離不開培訓、宣傳環節，但未能切實解決問題癥結，即人資不足導致的服務水平下降及缺乏公平晉升，再多的措施也只是事倍功半。各行各業人資緊張，打工仔工時普遍較長，難以抽出時間參與培訓，更重要的是沒有長效機制將培訓與晉升掛�，缺乏培訓進修動力。單靠口號宣傳培訓對提升服務的重要性，未免過於一廂情願。有見及此，理順人資供求矛盾此其一，關鍵還在於社會能否營造公平的晉升環境，激發打工仔進修意慾，提升綜合專業水平及意識，才能長遠在區域競爭中穩佔一席位。春 耕存倉

【本報訊】中年貨車司機昨凌晨返回觀塘海濱道貨倉準備收工，儲存倉他稱見到滿地貨物「做好心」駕鏟車協助整理貨物。消息稱他當時駕鏟車駛出馬路，卻撞及一輛路過的空載城巴。城巴右車身由司機位至車尾被撞毀，部份車窗撞爆，鏟車其中一個鏟叉更撞甩。警方事後揭發好心司機的鏟車駕駛執照過期，以涉無牌駕駛，偷車及無第三者保險下駕駛等罪拘捕被捕貨車司機姓黃（41歲），警方不但發現姓黃事主的鏟車駕駛執照已過期，肇事鏟車亦是無牌，正聯絡貨運公司負責人助查。昨凌晨1時許，事主由機場返回觀塘海濱道的貨倉準備收工，他稱見到貨物滿地擺到貨倉外行人路，便做好心駕駛鏟車協迷你倉最平整理貨物，準備運回貨倉內。揭發無牌駕駛消息稱，當時鏟車駛出馬路，此時一輛空載城巴駛至，鏟車伸出的鏟叉即時撞及城巴右邊車身，如「鏟刀」般�開城巴司機位至車尾，多個玻璃窗撞爆，45歲姓何城巴車長未無受傷，驚魂甫定停車報警，由於衝力甚大，鏟車左邊鏟叉亦告撞甩。警方事後到場封路調查，並向城巴車長及姓黃事主了解事發經過。由於操控鏟車需申領牌照，警方調查發現姓黃事主原本領有相關牌照，但該牌照已逾期，而肇事鏟車亦屬無牌，警方找到貨倉負責人，對方指未授權事主駕駛該鏟車。警員調查後以涉嫌偷車、無牌駕駛及駕駛時無第三者保險等三宗罪拘捕姓黃事主帶署。迷你倉

迷你倉最平 每次出外自駕遊，都要預先在網上訂好�車和還車地點，也要自付油費保險，諗起都覺得麻煩。美國最近有間叫ZipCar的公司便推出了一種新玩法，只要申請一張「ZipCard」，便可以透過手機App在任何一個ZipCar停車點自助取車，用幾耐、邊度還車完全可以自訂，更可以因應行程隨時用App改變還車地點和時間。最方便是車匙已插在車廂內，只要在車頭用卡一嘟就可以開車和鎖車，省卻不少時間。車內也有油卡讓租車人入油，最平USD8.78一個鐘租用費便已經全包油費和保險，方便又抵玩。網址：.zipcar.com/ 迷你倉

戲劇張力最有趣砸了大錢找名模拍照，迷你倉拍出來的照片卻硬生生地切掉她的臉，這是什麼邏輯？Balenciaga創意總監王大仁（Alexander Wang）新官上任三把火，為了讓品牌耳目一新，重金邀請超級名模Kristen McMenamy拍廣告，竟然看不到她的臉，甚至也見不到她的好身材，讓人更想一窺Balenciaga新裝風貌。擅長詮釋「剛中帶柔」時尚風情的LANVIN女裝，本季廣告的主題試圖探索現代女人多變複雜的內心世界，有時陽剛堅忍，有時又顯得柔軟脆弱，廣告邀請國際名模Edie Campbell入鏡，表情豐富的她一副不在乎的表情，手中卻拎著「HELP」手拿包，充滿戲劇張力。Longchamp廣告則是充滿趣味，加拿大名模Coco Rocha女模變成巨人屹立街頭，把整個紐約踩在腳下，渾身散發神采飛揚的自信，完美詮釋「outstanding」（傑出）這個英文字。東方名模最吸金亞洲儲存濟勢力崛起，精品廣告開始出現東方臉孔的名模，開發亞洲市場的意圖十分明顯。今年PRADA秋冬廣告由Steven Meisel掌鏡，代言名模除了資深名模Christy Turlington、Freja Beha外，中國超模孫菲菲也應邀入鏡，她身穿粉紅格紋洋裝，風格帶有濃郁的復古風情。榮登富比世「最會賺錢名模」排行榜第5名的劉雯，今年秋冬一連登上Roberto Cavalli和Calvin Klein的廣告，展現她的「吸金」本事。Calvin Klein秋冬廣告一口氣用了3位東方臉孔的模特兒，陣仗驚人；Roberto Cavalli中的劉雯狂野性感，一反亞洲女人沉靜內歛的傳統印象。CHANEL秋冬的主題是「地球村」，詮釋香奈兒時尚無國界的概念，秋冬廣告中，東方臉孔的日韓名模Chiharu Okunugi和Soo Joo Park漂浮在半空中，在無重力狀態下刺繡、打毛線，饒富趣味。mini storage

一家以國旗創意商品為主，儲存倉位於高雄市左營區華夏路的「國旗女孩」大高雄旗艦店，即獲網友一致推薦，是旅遊高雄一定要來朝聖的私房景點。許多人來到這裡，經常被店裡琳瑯滿目的國旗商品吸引。創辦人楊玉梅本身是來自軍人家庭，從小耳濡目染加上對國旗的熱愛，全身行頭都有國旗標誌，因此有「國旗女孩」封號，進而圓夢創立全台別具特色的愛國文創紀念商品專賣店。這裡不僅有世界各國國旗及國旗周邊創意商品，國父、兩蔣紀念商品、台灣寶島紀念商品、總統大選紀念商品及各式各樣禮贈品等，不論是送禮、自用或收藏，常常讓顧客愛不釋手、迷你倉最平連忘返。來到「國旗女孩」不必全台走一遍，就可以一次擁有「台灣」所有紀念商品，這裡也是許多國內外留學生、交換生、華僑、台商、外國觀光客、愛國粉絲經常造訪的景點，可以在這裡盡情尋寶。一年一度的雙十國慶即將到來，「國旗女孩」推出限量國慶系列好禮，即日起到10月10止，國旗貼紙、紋身貼紙系列，買一送一優惠活動。欣逢雙十國慶，歡迎蒞臨「國旗女孩」，感受一下國慶的熱情，一同見證愛國商品的獨特魅力。愛國總店：高雄市左營區華夏路763號，愛國專線（07）349-0919、0972-226-192。（陳苑瑩）迷你倉

Source: The Philadelphia InquirerOct.迷你倉 06--With two new HMO plans introduced last week on the federal insurance exchange, Independence Blue Cross is offering consumers a road map to cut out-of-pocket health-care costs.The trick for consumers who sign up for Blue Cross' HMO Proactive plans is to choose hospitals, primary-care physicians, and specialists in the least expensive of IBC's three price tiers of health-care providers.IBC officials emphasized that tier one, the cheapest, is not a limited or narrow network because customers have access to the entire network; they just have to pay more if they choose a provider -- a doctor or a hospital -- in tier two or three.Access to a certain specialist, for example, could drive that choice.The difference to the consumer is significant.In IBC's HMO Proactive Silver plan, a consumer's out-of-pocket costs for outpatient surgery are $200 in tier one, with no deductible. The same surgery costs the patient $700 in tier two plus deductible, or $1,250 plus with deductible in tier three.Tier one includes 50 percent of hospitals, 40 percent of primary-care physicians, and 40 percent of specialists in IBC's network, officials at the Center City insurer said.IBC is offering 11 other plans on the government-mandated insurance exchange that opened Tuesday, but the tiered plans include a component that has been missing from the market, said Doug Chaet, IBC's senior vice president of contracting and provider networks.Historically, it has made no difference to the insured patient if the provider's price is $1,000 or $10,000, because insurance paid it, Chaet said."Now with products like this, you've injected greater price sensitivity to the consumer," he said. "It gives them a reason to care about things. They can determine on their own how much they care."The consumer's risk is limited by the Affordable Care Act's $6,350 limit on annual out-of-pocket costs for an individual. For a family the limit is $12,700.New Jersey's biggest health insurer, Horizon Blue Cross Blue Shield of New Jersey, also has tiered options that allow consumers to reduce out-of-pocket costs. It has six tier-one hospitals in Burlington, Camden, and Gloucester Counties.AmeriHealth New Jersey did not provide details on its tiers because it is still notifying hospitals.Hospital officials worry that consumers might not understand price-based tiers."High cost can be attributed to a lot of different factors," said Curt Schroder, regional executive of the Delaware Valley Healthcare Council. "Academic medical centers that have a teaching mission and a research mission will have higher costs. Hospitals that have burn centers, trauma centers, different specializations like that could also have higher costs."IBC divided hospitals into tiers based on prices in existing contracts and gave hospitals the chance to negotiate lower prices to get into a lower tier.Jefferson Health System, for example, landed in tier three for 2014, but that is not necessarily permanent, said David F. Simon, executive vice president of Jefferson. "Our participation in a tier-two or tier-three mode in that product in the future is going to be a matter for discussion when we next negotiate with IBC," he said.Abington Memorial Hospital, whose current IBC contract put it in tier three, agreed to tier-one prices for people in the HMO Proactive plans, Abington's chief financial officer Michael Walsh said.Abington's large maternity business, which delivers nearly 5,000 babies a year, was a key factor in the decision. "For a mom delivering a baby, the difference between being tier 儲存ne and tier three is significant. It's thousands of dollars," Walsh said.Walsh would not say how much Abington cut prices. "It's enough that if I had to do that for 100 percent of the patients it would cause significant hardship to this institution," he said.Pennsylvania Hospital in Center City, another top maternity hospital in the region, remains in tier three. Officials from Pennsylvania were unavailable to comment Friday.Mercy Health System, which is based in Conshohocken and has four community hospitals, is in tier three, which is dominated by hospitals affiliated with academic medical centers.Mercy tried to negotiate into a lower tier, but did not reach an agreement. "MHS remains open to negotiating with IBC on participating as a Tier One provider, so that IBC Tier One members continue to have access to our services," Mercy said in a statement.It is far too soon to say how IBC's tiered network will affect the Philadelphia market because it is uncertain how many people will choose such plans.Joel Ario, a managing director with a national consultant, Manatt Health Solutions, and a former Pennsylvania insurance commissioner, said it was good to test the plans.Offering tiered networks on the exchange has the advantage of not forcing consumers into constraints, Ario said. "They will have to decide: Is the price break enough for me to trade off?" he said.Ario had a reservation, though, about price-based tiers that fail to emphasize quality of care. "If it's driven solely by price, that might not work as well for the consumer," he said.But costs are not always straightforward."Maybe the cost-per-episode is more, but you have fewer episodes," said Paul Fronstin, director of health research at the Employee Benefit Research Institute in Washington.IBC created the tiered plans in the context of four levels of coverage in the Affordable Care Act, called platinum, gold, silver, and bronze, with platinum the most expensive and bronze the least.A platinum insurance plan is designed to cover 90 percent of health-care costs, leaving 10 percent for the consumer. A silver plan must cover 70 percent of costs, with 30 percent for the consumer.For a 40-year-old, the HMO Silver Proactive premium before a possible subsidy is $256 per month, compared with $398 per month for the platinum HMO premium, IBC said."If someone can use the tier-one providers, they can get platinum-level benefits in a silver-level product," said IBC vice president Paula Sunshine. "That was our intention in developing this."The Breakdown by TiersIBC's tiers are based on out-of-pocket costs for consumers, with tier one the least expensive and tier three the most.Tier 1Barix ClinicsDoylestownGrand ViewSt. Luke's -- QuakertownBrandywineChester County HospitalJennersvilleCrozer-KeystoneDelaware CountyTaylorAbington MemorialLansdaleEinstein Medical Center-MontgomeryHoly RedeemerPhysicians Care SurgicalAriaChestnut HillEinstein Medical Center PhiladelphiaHahnemann UniversityRoxborough MemorialWills EyeTier 2Lower BucksPhoenixvillePottstown MemorialChildren's Hospital of PhiladelphiaFox Chase Cancer CenterJeanesNorth Philadelphia Health SystemSt. Christopher's Hospital for ChildrenTier 3St. MaryPaoliMercy FitzgeraldRiddleBryn MawrLankenauMercy SuburbanHospital of the University of PennsylvaniaMercy PhiladelphiaMethodistNazarethPennsylvaniaPenn PresbyterianTemple UniversityThomas JeffersonSOURCE: IBChbrubaker@phillynews.com215-854-4651@InqBrubakerCopyright: ___ (c)2013 The Philadelphia Inquirer Visit The Philadelphia Inquirer at .philly.com Distributed by MCT Information Servicesmini storage