Stanford and Harvard trained Full time physician at major academic medical center with four board certifications. Obtained Masters in Management/Health Services Research while in Medical School. Served on The Medical Evidence Advisory Committee (MEAC) for the State of Caifornia as an appointee participating in writing Guidelines for care, termed the Medical Treatment Utilization Schedule (MTUS) for California. Was appointed for multiple terms to the Carrier Advisory Committee (CAC) for Medicare for the state of California and later on the Federal Level. Served as a Medical Director for a large insurance company on a regional level and as a consultant on a national level. Retained as case reviewer for multiple insurance companies in coverage determinations. Consulted for multiple pharma and medical equipment companies for coverage advocacy, product development and pricing and study design. Active extraordinarily successful investor in biotech for more than a quarter century.