text:
Wellpoint, Inc. (WLP) The 30th Annual JPMorgan Chase Healthcare Conference January 10, 2012 5:30 PM ET
Angela F. Braly - Chairman, Chief Executive Officer, President and Chairman of Executive Committee
John F. Rex - JP Morgan Chase & Co, Research Division
John F. Rex - JP Morgan Chase & Co, Research Division
Good afternoon. Next up, I have -- welcome, first of all. I'm John Rex to cover the services stocks here at JPMorgan. And next up, we have WellPoint presenting. Up on the stand, you have Angela Braly, CEO; Wayne Deveydt, CFO; and Michael Kleinman who runs the Investor Relations effort for the company. So I'm going to turn the time over to Angela. She's going to give the presentation, and of course, we're going to have a breakout session directly afterwards.
Angela F. Braly
Thank you. I want to thank you all for participating today and having an interest in our company. Let me go ahead and get started. Of course, we have to remind you that my presentation will include some forward-looking statements, and there are factors that could cause actual results to differ materially from these forward-looking statements. And we advise you to review the risk factors in our SEC filings.
I also want to make sure you know that we confirmed our guidance for 2011 on an adjusted basis at $6.95 to $7, and we plan to give guidance for 2012 on our earnings call on January 25. We invite you to participate in that as well.
So I'm going to take you through a brief profile of WellPoint, and highlight for you our compelling value proposition, talk about our strategy and our outlook over the long term.
So let me get started with an understanding of who WellPoint is. We are Anthem Blue Cross of California. We're Anthem Blue Cross Blue Shield in 13 states or 12 states. We're Empire Blue Cross Blue Shield in New York and Blue Cross Blue Shield of Georgia. We have 34 million medical members, many more members when we count our specialty and ancillary benefits that we provide. We have a top line of about $60 billion and market cap of $23 billion.
When you think about WellPoint, think about the -- both the geographic diversity of our membership because we're in 14 states, and those states vary and cross the country from California to Maine. But we also have a diversity in the business segments that we serve. Our largest block of business is in the Local Group market where we have over 15 million lives. We have -- we're the largest provider of individual policies in the marketplace with almost 2 million members. We serve National Accounts, which has been a book that has grown for us historically over the last decade or so. We're over 12 million National Account lives. We have one of the largest Medicaid managed care plans. We serve the Medi-Cal program here in California and a number of other states. We also act as the back office for a number of other Blue plans who participate in Medicaid programs in their Blue licensed state. We have a senior membership of over 1 million, about 1.4 million lives, and we expect growth in our senior membership, which I'll talk about. We have about 1.5 million Federal Employee Program lives, and we serve that program proudly as part of the Blue Cross system. About 60% of our medical management is -- or medical membership is in the ASO or self-funded market, and about 40% is fully insured. We do have a broad portfolio of specialty products. We have Medicare Part D business, and we also have a government business that serves as the administrator or back office for Parts A and B, providing claims processing capabilities.
I think the point here is that all of these diverse segments are going to be meaningful in terms of the strategy of the future. So our presence in the Medicaid market and in the Medicare market make it a great opportunity for us to consider the dual-eligible market. We also have the opportunity to participate in the exchanges of the future, but we are not obligated to participate in any specific exchange or all exchanges across our states.
When you look at us by each state, the fact that we have a significant market share in the states is meaningful for a couple of reasons. One is it gives us obviously an advantage in terms of negotiating network contracts with our providers and hospitals. And we have advantages there, but as we get into our care management and utilization management capability, having a significant portion of a physician's patient group be Blue Cross Blue Shield members is meaningful in terms of the changes we may make around care management will really have an impact on their practice. And we intend to utilize and focus there in the way we have an influence on the utilization and cost of care.
It's also important what we've done while we've been these 14 former Blue Cross companies that came together, we've brought the data all together. So we have an enterprise data warehouse that has all of the data for all of our customers. We have a Master Consumer Profile. We think that data is very valuable and useful. And then the way we operate is to have a local plan president in each of our states that has a material P&L responsibility. And so they also have a real feel for the marketplace. They know the presidents of the hospitals. They work with the local regulators. And we think that's a long-standing differentiating advantage. And while we think the marketplace will change, we think that advantage will be meaningful to our company and to our customers. Obviously, the Blue Cross and Blue Shield brands are widely recognized, more recognized than any of our customers, and you'll see us continue to focus on the brand and continue to make investments in the brand because it's a very strong brand to go into a consumer market. It's very attractive in the Medicare or the senior market. And so between ourself that has 34 million lives and the other Blue plans, together we have about 100 million lives. So 1 in 3 Americans is carrying a Blue Cross Blue Shield card.
We also have historically very broad networks. We have vast numbers of hospitals and physicians in our networks. Now will there be the breadth of networks in the future for all products? I think we have the flexibility coming from the ability to take those broad networks and potentially tier those networks or narrow them for some product offerings, I think, will be meaningful going into the future. But we certainly have strength in our position around the network discounts as well as part of that network strategy that we have going forward.
A couple of years ago we really declared our strategy, which is we're a very purpose-driven, mission-focused company, and we sincerely put our customer first in all of our encounters. And we have been clear about our expectations to have a meaningful impact on healthcare value. That means the cost and quality of healthcare being delivered to our customers. We're very focused on excelling at day-to-day execution, which in our company is about continuous improvement. It's about gaining efficiency and productivity, but doing so while we continue to improve the service experience that our customers have. And we do think we have the opportunity to capitalize on new opportunities for growth. We see those changing in the healthcare reform environment, as well as demographically, and so I'll go over some of those growth opportunities.
The ways in which we have focused on delivering the best healthcare value for our customers are a number of ways. We focused on transparency, and we developed something that's called Anthem Care Compare, which is a transparency tool that puts a number of common procedures, both the cost and quality for the whole episode group, available to our members, so they can access it and consider cost and quality as part of their purchase decision for procedures. We also send to physicians and members personal care notes from a capability that we have that mines our data and looks at certain either combinations of clinical indicators or provides updates and information to customers and to hospitals. We have a number of accountable care organization pilots and patient-centered medical homes. We have over a dozen of them, and we have some real results that we have seen resulting from the programs that we have thus far. You will see from us more about our strategy of focusing on the primary care provider, making sure that they're rewarded for making good decisions in navigation for our members, their patients, through the healthcare delivery system.
One of the innovations that we partnered with IBM on was on the Watson program. As all of you are probably familiar, it's so much [ph] dated. The RAND study that said that typically or 55% of the time, you will receive evidence-based medicine and 45% of the time, you may not. So it doesn't mean it's wrong. It may be too little. It may be too much. But 55% of the time is where evidence-based medicine was. We think that number needs to increase dramatically, and so we partnered with Watson to create the first commercial application for their Watson engine, which is an artificial intelligence language-based engine. And our work with them is creating 2 use cases, one that's up and running. And that is a capability to provide information to this engine and assist our nurse case management and utilization management decisions to improve the percentage of evidence-based medicine applied in care. And then we're partnering for Use Case 2 with oncologists. We have an arrangement, we've announced, with Cedar-Sinai and are working with other oncology groups then to in addition to providing the literature and medical information about oncology, also providing and feeding into the Watson capability a longitudinal health record that would provide the relevant clinical information for the patient member so that the outcomes or the physician could be assisted by this capability in making evidence-based medicine choices for the member. More to come on that as it rolls forward. But the Use Case 1 is up, and our nurses are operating with the Watson capability today.
We are very focused on excelling at day-to-day execution, which I said really focuses on continuous improvement. We are standardizing and simplifying our environment but doing so in a way that we think is attractive to consumers and enhancing the consumer experience. We are -- our strategy anticipates that we move from a business-to-business environment for health benefits to more of a business-to-consumer environment through possibilities around defined contribution for employers, as well as more individuals accessing care through exchanges or private marketplace like exchanges that we can provide. So we're enhancing the consumer experience. We're improving our service metrics in every capability. We're also creating for our actuarial area more focus on the data analytics that are going to be relevant to the cost of care and the cost of care in an ICD-10 environment.
So some of the achievements we have created there -- and as we create productivity, increased productivity happens through automation. It happens through a number of continuous improvement processes that we have in place, not specifically Six Sigma but a proprietary continuous improvement mechanism. And one of the results is we get better automation, which means we get faster claims payment processes. It also means we have more transparency into the data sooner for pricing and reserving, and we've seen that in the EDI exchange. So we receive over 90% of our claims electronically, and we're able to accelerate the processing as a result.
In addition, we have reduced our SG&A expenses, and we continue to plan to do so. It's a multiyear plan that takes into consideration that we came from multiple separate entities, multiple different systems, and we've had the ability to reduce the number of systems, convert quietly and uneventfully over to our destination systems that we will serve our members. We've also consolidated our enterprise data, as well as our portals for accessing information for the consumer and enhance the consumer experience, all while we significantly reduce the SG&A.
As we look to the strategy of the future, we do anticipate shifts in the way in which the segments are arrayed in our population. We are expecting growth, for example, in the senior population due to demographics. Because of healthcare reform, we anticipate changes. We anticipate more eligible individuals in the Medicaid program. The exchanges will create an opportunity that we can avail ourselves of, and we see employers having a number of choices in terms of how their employees will receive benefits. And our strategy is to create a number of different ways in which the employee or member who comes through an employer can access the healthcare system and healthcare benefits through us. So if we create the relationship with the individual consumer, that member, we want to keep that member whether they're in an individual product, a product provided by government like Medicaid or Medicare or through an employer relationship.
So as we arrayed the different segments and anticipated the growth that was coming, we do think the senior population is a growth vehicle, and I'll talk in a moment about CareMore, which was an acquisition that we're very excited about at WellPoint. So we've targeted those areas we think are growth opportunities. We do think the exchanges create a potential growth opportunity, but we're going to approach those on a state-by-state basis and consider the feasibility and likelihood of success for each of the exchanges on a state-by-state basis. Given our structure with a state plan president in each state, we think we're in the best position to discern the feasibility of that state's exchanges going forward.
There are other opportunities we think are going to create opportunities for an employer with the risk or an ASO contract, for example, to send his employee through a defined contribution program, which I'll talk about. And then we do think we have opportunities to diversify our revenue source. Although in our 5-year plan, which we have available on our website and have described in the past, we aren't really counting on those diverse sources of revenue but rather looking at our expectations about growth in our core business, and we put forward a 5-year plan that had an estimated 10% CAGR over that 5-year period.
So let me talk about CareMore. I think Alan Hoops is with us here today, CEO of CareMore. And we're delighted to have the CareMore company part of our family. We closed this transaction very quickly, and it's a really unique business model that does a number of things. It takes care of seniors very, very well, which is really critical, and it does so through a couple of mechanisms, one of which is it really engages that senior member early in their relationship. And they have a Healthy Start visit, which does a couple things. It helps us understand who that member is, helps us collect the data for risk scores. It helps us collect data for information around the STAR ratings. Then we have a Nifty after Fifty model, where you can get prescribed a visit to Nifty after Fifty. It's a physical therapy and physical fitness center, which can really help with the wellness and the rehabilitation of a Medicare member. And then we have an extensivist model where we have physicians who are really uniquely trained as extensivists to deal with, and they actually round in hospitals to help coordinate the care for the most frail of our members and meet the needs of our members in special needs plans. We also think there are great opportunities for CareMore and our experience in the Medicaid business as well as our traditional senior business to meet the needs of the future dual-eligible population.
So as I described, there are opportunities we believe for employers to consider how to create for their employees the ability to receive benefits but do so in a way that creates a defined contribution on behalf of the employer. So the employer would create a stipend for their employee and then send that employee with the stipend through this new technology called Bloom Health. This is a company that we acquired together with Blue Cross Blue Shield of Michigan and Health Care Service Corporation, which is the Blue Cross plan of Illinois, Texas, New Mexico and Oklahoma. And together, it creates for us a ability to create a Blue mechanism, a technology where the employer can create a defined contribution obligation and create more transparency for their employee or retiree. So they know how much they have contributed to that employee's coverage benefits, and then it also provides the employee with the mechanism to make a choice about the coverage that might be best for them based on the stipend that's available for the employee. We think the employers are very interested today in this for their retirees in particular, and as they consider in the future the ways in which that they can continue to provide benefits to their employees, that this capability will be critical. And it gives us an opportunity to partner with our other Blue plans and create a Blue solution, essentially a private exchange-like mechanism for employers.
As a result of that, we have -- we also are very committed and accountable in terms of creating operating gain growth for our company but also the increase in EPS. We are accountable to our shareholders for the return of capital, which we have consistently applied our capital to share repurchases, as well as dividends. So we'll give more guidance later in the year in terms of our go-forward. But our 5-year plan was pretty consistent. We have the opportunity to repurchase about 10%, 11% to 12% of our shares each year and also make a meaningful dividend for our shareholders.
Also, we are very accountable from the credit perspective as well, and our ratings are displayed here and important in terms of senior debt at A-, the financial strength rating at A+, debt to capital is 29.7%. We have flexibility within our range, but we feel comfortable up to 35% debt to cap. And then we do have this opportunity for available cash flow, and at the parent level, we have $2.4 billion in available cash and investments.
So when you bring together our strategy going forward, we do think it's an important part of our strategy to really produce healthcare value, meaning lower cost, higher quality and the data and metrics to support and prove that. We're going to continue to focus on excelling at day-to-day execution through continuous improvement, enhancing the consumer experience, reducing our SG&A cost. We're the market-leading efficient scaled organization, and we're going to continue to produce -- invest in things like CareMore and our brand and our capabilities to enhance the consumer experience, all the while funding in part that investment through our increased inefficiency -- efficiency and productivity. And we do think we have new opportunities for growth, either growth that the demographic shifts are occurring, so employees go from an employer relationship potentially to a Medicare relationship, but some cases, individual relationships. Those are new opportunities. We have new opportunities for growth in our specialty or ancillary lines of business. But we also think over time we will have new opportunities for growth and diverse sources of revenue, as we anticipate what our customers' needs will be in the future and then move forward to create mechanisms for access to care that is more convenient and effective for them in the future as our members.
So with that, I think we're going to wrap it up, and thank you again for your participation. We have about 3 minutes, John. So do you want to take a Q&A before we move on?
Question-and-Answer Session
John F. Rex - JP Morgan Chase & Co, Research Division
Yes, we have a minute or 2 for some Q&A in here if we'd like to before we go across the hall. And if there's not one, maybe, Angela, I'd just like to throw one at you. So as it relates to your government program businesses, as you look at your configuration days, so you clearly added some capabilities there with CareMore. Do you consider your book of business underweight where you want to be in terms of government program exposure at this point? And kind of where would you ideally like to be?
Angela F. Braly
We think it's a great growth opportunity for us particularly in the Medicare Advantage space and potentially in the Medicare, Medicaid dual-eligible space. We think that we have created a service experience that's a very positive one. The brand, the Blue Cross brand is very strong in the senior segment, and the CareMore capabilities really catapult us forward. So our expectations for CareMore, we have 28 neighborhood care centers, which are neighborhood centers that focus up to 4,000 members around the care that's available there. But we intend to expand that about 12 a year for the next couple of years into states in which we're Blue Cross and Blue Shield. I think those are real opportunities for us. And then the dual eligible, we've served the Medi-Cal for a number of years, and we think the Medi-Cal program together with our traditional Medicare program and our CareMore capabilities now will give us great opportunities in the dual population.
John F. Rex - JP Morgan Chase & Co, Research Division
And so from a capabilities perspective now, does that put you where you need to be? Or are there other capabilities you need for that business?
Angela F. Braly
I think we really have the core capabilities particularly with the CareMore assets, and we have the systems in place to scale those opportunities. So I think we're in pretty good shape in terms of those capabilities, and we can meet the needs of the customers both on the Medicaid side and the Medicare side as well. And that -- those capabilities also have the potential to serve the needs of our most acutely ill customers, which 5% of your members drive 50% of your costs. Certainly, 20% drive 80%. And so if you can meet those needs in a way that's more efficient and produces a better outcome for them, that capability goes beyond Medicare or Medicaid and into the commercial population that needs it the most.
John F. Rex - JP Morgan Chase & Co, Research Division
Great. We'll move across the hall. Thank you.
Angela F. Braly
All right. Thank you.
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Invisible Children (The American cycle of abuse and its cost)
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Generation after generation, these abused children fill our prisons, overwhelm our schools, and make our cities unsafe for the people who must live in them.
Our current policies ensure more crime and prisons, failing schools, and a growing number of neighborhoods unfit for human habitation. There are no simple answers to these problems. However, this I know, these problems cannot be solved within the framework of the current system that created them.
More programs, new laws and additional regulations will only produce a temporary remission before there is a rebound and escalation of the original problem.
This is a hard-hitting, often uncomfortable book about an enormous, complicated and painful problem. Mike Tikkanen has taken a courageous stand to open our eyes and expose the truth. It is now up to all of us to confront the truth and begin this essential dialogue.
-Kathleen S. Long, PhD
April, 2005
From Mike Tikkanen, Author of Invisible Children
About six million children are reported to child protection agencies in America each year. About 400,000 of those children are placed in protective custody because of severe neglect or abuse. About 500,000 children are placed into foster care and adoptive placements. Abused and neglected children are all around us.
These children are invisible in our community, yet each one of us is directly responsible for their plight. They live under our laws; they go to our schools; they are convicted by our courts; many of them spend lifetimes in our prisons. They have no say in the laws and policies that rule their lives. Just like they had no say in the neglect and abuse that was their childhood.
Neglected and abused children make up a great majority of the crime, drugs, and violence we experience in our communities. Over fifty percent of the children in the juvenile justice system have diagnosable mental illness, about thirty percent of children in child protection services are proscribed psychotropic medications, & almost eighty percent of youth aging out of foster care lead dysfunctional lives.
Ninety percent of the juveniles in the Juvenile Justice System have come out of the Child Protection System (Minnesota's Chief Justice, Kathleen Blatz). Over 90 percent of the adults in the Criminal Justice System come out of the Juvenile Justice System. Justice Blatz (and others) call it a prison "feeder" system.
The United States is the only nation in the world to build prisons based on failed third grade reading scores or the number of children in Child Protection.
Children are not aware of the rightness or wrongness of their own abuse. They do not know that abuse is abnormal, or even that it is wrong. To a five-year-old, no matter how painful and frightening her life is, her life is normal. A sad and lasting fact of child abuse is that children blame themselves for the abuse they receive.
How can sex, drugs, and violence be unlearned by a ten year old child whose entire life has been just that? It takes years of therapy to change a child's perception of an abusive past. It takes a great deal longer for an abused child to develop a healthy view of the world and a positive self-image.
There is no book a child can go to, or code they are born with, that explains the abnormality of what is happening to them. Children can't call their senators, or complain to the authorities (they can't even tell their parents).
Behaviors learned by abused children to stay alive in toxic homes are terribly counter-productive once the child is out of the abusive circumstances and trying to live a normal life. The behaviors developed for staying alive and avoiding pain dominate and thus can become significant detriments to getting along in society. As a matter of fact, for many troubled youth, their explosive responses and pain avoidance behaviors define them as uneducated social misfits with criminal histories.
KARA is working to find better ways to deal with abused and abandoned children in our communities.
Read Invisible Children, form your own opinions, tell your friends and neighbors what you know and let policy makers know that;


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House prices in Churchward Close, Hanham, Bristol BS15
What is the current average value of properties in Churchward Close?
The current average value in Churchward Close in January 2017 is £230,798. This has increased 0.61% from October 2016. Terraced properties sold for a current average value of £211,901 and semi-detached properties valued £242,488. In the past year property prices in Churchward Close have increased 5.72%. This is according to the current Zoopla estimates.
You could be overpaying for energy in Churchward Close, Hanham, Bristol BS15
Yearly saving up to:
Detached house
Semi-detached house
- Compare energy deals
- For sale 19 photos £395,000 3 bedroom detached bungalow for ... Conham Hill, Hanham, Bristol BS15 Listed on 23rd Jan 2017
- To rent 15 photos £695 pcm 1 bedroom flat to rent Conham Hill, Bristol BS15 Listed on 23rd Jan 2017
- Properties for sale near Churchward Close Hanham Bristol BS15
- Properties to rent near Churchward Close Hanham Bristol BS15
Data on sold house prices, such as the results above for Churchward Close Hanham Bristol BS15, is supplied to us via monthly updates from the Land Registry for England and Wales and from the Registers of Scotland for Scotland. There may be a delay of up to 3 months from when a property is actually sold to when it becomes officially recorded with Land Registry and/or Registers of Scotland. We provide data on house prices for information only, on an 'as is' basis as supplied to us and accept no liability for any errors or omissions. If you have identified any incorrect information in, please Report an error.


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Check in from 3:00 PM / Check out prior to 12:00 AM
Quality Inn Homestead Park: Find photos, reviews, information, amenities and compare prices for 2 stars hotels in Billings, United States.
Providing pet-friendly amenities, this hotel is located in Billings and offers a Jacuzzi. It has a swimming pool and a sauna.
Hotel description
There are a variety of facilities on offer to guests of Quality Inn Homestead Park, including an airport shuttle, meeting rooms and a 24-hour reception. It also has a car rental desk, a safe and laundry facilities.
A satisfying breakfast is served every morning at Quality Inn Homestead Park Billings, and there are numerous restaurants and cafés close by.
Quality Inn is a convenient base to explore Yellowstone Art Museum and ZooMontana, as well as everything the local area has to offer. St. Patrick's Co-Cathedral, Rimrock Auto Arena at MetraPark and Montana State University Billings are within a short car ride from the hotel.
Hotel features
Pet Friendly
24 Hour Reception, Dry Cleaning, Conference Room(s), Safe-Deposit Box, Meeting Rooms, Laundry service, Self Laundry
Swimming pool, Sauna, Jacuzzi, Pool Indoor
Airport shuttle
Availability and Prices
Booking Site
Room Type
Per room
Per night
Per night
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548 reviews
Nearest hotels
- Billings Comfort Inn
0.1 miles
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0.1 miles


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Carlton Lausanne Boutique Hotel, Lausanne
- Free WiFi
Main amenities
- 47 smoke-free guestrooms
- Restaurant and bar/lounge
- Breakfast available
- Self parking
- Business center
- Terrace
- 24-hour front desk
- Air conditioning
- Daily housekeeping
- Laundry service
- Conference space
- Multilingual staff
For families
- Connecting/adjoining rooms available
- Private bathroom
- Free toiletries
- Terrace
- Daily housekeeping
- Hair dryer
What's around
- Heart of Lausanne
- Olympic Museum (0.7 mi / 1.1 km)
- Lausanne Cathedral (1 mi / 1.6 km)
- International Olympic Committee (1.7 mi / 2.7 km)
- Jardin Botanique Lausanne (0.2 mi / 0.3 km)
- Musée de l'Elysée (0.2 mi / 0.4 km)
More great choices
At a glance
Key facts
Hotel size
- This hotel has 47 rooms
- This hotel is arranged over 3 floors
- Check-in time 3 PM-midnight
- Check-out time is noon
Required at check in
- Credit card deposit required
- Government-issued photo ID required
- Minimum check-in age is 18
- Minimum Spring Break check-in age is 18
Travelling with others
- Children (6 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- No cribs (infant beds)
- Pets not allowed
- Free WiFi in public areas
- Free WiFi in rooms
- Self parking (limited) *
Other information
- Smoke-free property
Nearby Four Star Lausanne hotels
In the hotel
- Buffet breakfast daily (surcharge)
- Restaurant
- Bar/lounge
- Business center
- Number of meeting rooms - 4
- Conference space
- Meeting rooms 5
- 24-hour front desk
- Dry cleaning/laundry service
- Free newspapers in lobby
- Luggage storage
- Multilingual staff
- Number of buildings/towers - 1
- Year Built 1907
- Elevator/lift
- Terrace
- Television in common areas
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Minibar
- Coffee/tea maker
- Bathrobes
- Slippers
- Soundproofed rooms
- Private bathroom
- Bathtub or shower
- Free toiletries
- Hair dryer
- 32-cm LCD TV
- Satellite TV channels
- Desk
- Free WiFi
- Free bottled water
- Daily housekeeping
- In-room safe
- Connecting/adjoining rooms available
Top Lausanne hotels
Recently reviewed hotels in Lausanne
- ibis budget Lausanne BussignyFrom
"I liked the place very much. It has a parking, but they charge 5 dollars a day. The room is pretty clean and accurate to the photos (the rooms feel slightly bigger in the photos)…"Dec 11, 2016
- Hôtel avec vue Le RivageFrom
"A relatively small hotel with perfect location in charming surrounds. Friendly and helpful staff. Perfectly clean and modern. Beautifully located with view of the lake. Quiet and…"Dec 10, 2016
- Hôtel des VoyageursFrom
"Excellent service, extremely pleasant and made every effort to accommodate their guests. Only 3 blocks from train station, located in heart of the village, convenient to…"Dec 3, 2016
- Hotel du Grand Lac ExcelsiorFrom
"The hotel was nice and staff were great. The free WiFi was fast. The hotel's location was convenient to the train and walking distance to everything. The view of the mountains and…"Nov 30, 2016
Nearby hotels
Also popular with travelers from the USA
Carlton Lausanne Boutique Hotel, Lausanne's small print
Also known as
- Carlton Hotel Lausanne
- Carlton Lausanne Boutique
- Carlton Boutique
- Carlton Lausanne
- Carlton Lausanne Hotel
- Hotel Carlton Lausanne
- Nash Carlton Hotel Lausanne
- Nash Carlton Lausanne
- Carlton Lausanne Boutique Hotel
- Carlton Boutique Hotel
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: CHF 3.50 per person, per night. This tax does not apply to children under 12 years of age.
Optional extras
Self parking costs CHF 15 per day
Buffet breakfast is offered for an extra charge of CHF 25 per person (approximately)
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Recent reviews
Excellent 4.1 /5 from 153 reviews
We found this hotel to be quite elegant but low-key, very nice staff (patient with our bad French and speaking perfect English when we wanted it), very nice décor in the rooms, which featured traditional cloth wallpaper. Situated quite centrally but only moderate traffic. We'll be more than happy to come back to Lausanne and this hotel as well.
Great value for money..Good location, nice service..
Really enjoyed our stay in this lovely hotel. Rooms are compact and elegant.
Very good overall
This is the second year we are staying at this hotel. The Metro station is just outside the hotel. The rooms we were in were comfortable and clean. This hotel has the best TV cable channel lineup ANYWHERE IN THE WORLD! The area is clean and safe. There is a small grocery store and a Tea/Cafe restaurant near by.
Is the description of this hotel not correct? Tell us


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StarTech.com DVIVGAFM StarTech.com DVI AUF VGA MONITOR ADAPTER (DVIVGAFM)
StarTech.com DVI AUF VGA MONITOR ADAPTER (DVIVGAFM)"Connect your DVI-I Display to a VGA video card.
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This refurbished machine provides new ways to study rare texts at UNC's Wilson Library. Continue reading
Undergraduate students researched and curated the exhibition about controversial British and American children's literature. Continue reading
Folk tale performance will help open the exhibition "Corruption of the Innocents: Controversies about Children's Popular Literature." Continue reading
Andrew Hemingway, Professor Emeritus of Art History at University College London, will be the speaker. Continue reading
Duncan Wu, professor of English at Georgetown University, will deliver a lecture about William Wordsworth's "Thanksgiving Ode." Continue reading
Celebrating UNC Library's William Wordsworth Collection and related holdings in Romantic literature and British culture. Continue reading
Students can try their hand at deciphering and transcribing handwritten documents from the Southern Historical Collection related to African American history. Continue reading
Dr. David Moore will discuss excavations at the site near Morganton, N.C. It was the earliest European settlement in what is now the United States. Continue reading
An archaeological mystery will be the subject of the George E. Stuart Memorial Lecture at UNC's Wilson Library on October 1. Continue reading
More than 50 early printed volumes explore Spain's discovery, conquest, and settlement of the New World. Continue reading


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Nordic War film event offered
REPUBLIC – The Republic Area Historical Society will present its winter film event "The Nordic War" at 4 p.m. Sunday at the Republic Township Hall in downtown Republic. The program is a complete story of three wars fought by Finland during World War II: The Winter War, Continuation War and Lapland War, as well as coverage of the fate of Finland at war's end.
This 63-minute DVD is in English (with English subtitles during Finnish war veteran interviews).
Donations will be accepted at the door. Coffee and snacks will be served after the Film.


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does vanity, narcisism, an inflated ego help you to become a more spiritual person?
Or does it help you to be "popular" on R&S so your worshippers will feed you ego at every opportunity?
Posted On 29 May 2010
Content on this website is for informational purposes only. It is not intended to provide medical or other professional advice.
Views expressed here do not necessarily reflect those of Mysticbanana, its staff, its contributors, or its partners.


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MC Daleste, a Brazilian rapper, was shot and killed while on stage in Campinas, Brazil. Daleste's real name was Daniel Pellegrine, he was 20 years old.
You haven't heard C.R.E.A.M. until you've witnessed Holly throw it down with ASL.
More people were watching Jay-Z's Samsung ad for his new album than the NBA playoffs last night. Hova just won the internet.
We never would've guessed that news anchor Brian Williams was such a hard rollin' gangsta.
Hip-hop royalty came together over the weekend to kick off the summer and 20th anniversary of Hot 97's summer jam.
Rapper Tim Dog was believed to have died in February of diabetes complications but now it appears he faked his own death.
They'll steal your girl with a magic potion and then laugh as they fly off on a dragon. Watch out Jay-Z!
Kanye West has hit his breaking point with the paparazzi. Listen to his latest rants as he talks SNL, TMZ, and why he doesn't consider himself a celebrity.
Wayne suffered another seizure just a month after being in the ICU.


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jump to contents
Home »Studying in Italy »Admission to degree programmes »Admission to 2nd cycle degree programmes »
The list of 2nd cycle programmes (Corsi di Laurea Specialistica/Magistrale-CLS/CLM) in offer at Italian universities is available online in the websites of the Ministry of Education, University and Research and of the Ministry for Foreign Affairs:
Ministero dell'Istruzione, dell'Università e della Ricerca (MIUR): Study in Italy > course search > or università > studenti stranieri),
Ministero degli Affari Esteri (MAE): politica estera >politica culturale > attività > cooperazione universitaria > iscrizione studenti stranieri).
You may also apply for information to the universities themselves (database of Italian universities available at Cerca università).
The list of 2nd cycle programmes (Corsi di Diploma Accademico di 2° livello-CDA2) in the arts and music in offer at Afam institutions is available online in the website of the Ministry of Education, University and Research, Afam section.
You may also apply for information to the individual Afam institutions; their list is available online (go to Istituzioni Afam and select from the menu on the left the category of AFAM institutions you are interested in).
General educational requirements
In the positive, you meet the general educational requirements for access to Italian 2nd cycle H.Ed. programmes (go to "2nd cycle" in "Types of Programmes and Degrees" in the section Italian Higher Education).
Specific requirements
It is the task of the Italian H.Ed. institution of your choice to evaluate your foreign degree, and decide if you meet not only the above general requirements but also the specific conditions for admission to the 2nd cycle programme of your choice (course requirements).
H. Ed. institutions apply their own regulations which take into account the current national legislation, bilateral agreements and multilateral conventions signed by the Italian government, the latest of which is the so-called Lisbon Convention; they may also follow some general admission criteria agreed upon at national level.
Admission to 2nd cycle degree programmes may require specific conditions, and therefore be subject to the passing of competitive admission exams; for example, that is always the case of, for example, the degree programmes of medicine and dentistry:


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Celtic Rumours
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21 Jan 2017 11:27:26 £10m for the outstanding and ever consistent KT who has played at the..
19 Jan 2017 22:19:46 Seen that Ajer is off to Killie for the rest of the..
20 Jan 2017 16:49:48 In the summer I thought moyes was our best option. How wrong was I, really..
21 Jan 2017 12:23:49 New to this banter site, been reading it for a while now. We have..
21 Jan 2017 08:02:08 Celtic have now put a bid in for Nigerian youngster Henry Onyekuru. 19 years..
20 Jan 2017 10:35:29 Heard Gerard Delofeu is out of favour at Everton and is allowed to leave if a..
20 Jan 2017 22:12:01 Still very quiet on the transfer front - guess it's become the Celtic way...
21 Jan 2017 18:57:03 Ed, any idea whether the Henry Onyekuru rumour is legit? It would appear..
19 Jan 2017 23:15:53 Is the game on anywhere on Sunday? If anyone know where to catch it in Las..
21 Jan 2017 17:28:59 Celtic allegedly holding talks way bojan record..
19 Jan 2017 18:24:46 Read in the Daily rag that barry mckay is a better talent then KT. Honestly..
19 Jan 2017 20:38:50 Rumours in Portugal that we have offered 800k Euros for Sturgeon. You never..
19 Jan 2017 20:26:32 Just spent some time in Melbourne and watched/ went to a couple of the..
20 Jan 2017 21:36:59 My girls who are on twitter (I am NOT) told me of tweets they saw about the..
21 Jan 2017 20:23:49 Went along to Cappielow today for the Morton v Falkirk game and I've got to..
21 Jan 2017 20:21:27 Is the game on TV..
19 Jan 2017 18:29:00 I know we all as Celtic fans moan about the headlines the biased papers print..
21 Jan 2017 19:38:45 Walsall fans going crazy for O'Connell on Twitter motm today scored..
22 Jan 2017 00:53:19 Much would it take to bring Ross McCormack to..
17 Jan 2017 23:08:47 Fabio Sturgeon being looked at? Supposedly we had scouts at game last..
15 Jan 2017New image uploaded to the Celtic Player Sightings page entitled, Spot the..
18 Jan 2017 21:27:49 Our unbeaten record must come to an end at some time. Any preferences to whom..
14 Jan 2017 08:57:37 Taverneir is still saying the gap is closing. I have never pretended to be an..
09 Jan 2017 20:53:36 Any update on the Eboue work permit? From the noises the club are making,..
12 Jan 2017 11:46:32 See young oconnell out on loan. When does his contract end..
13 Jan 2017 18:54:34 stories emerging online tonight that rodgers wants to sign paddy roberts or..
07 Jan 2017 10:49:43 I see Stan petrov talking about Armstrong and how impressed be is with him...
12 Jan 2017 22:00:14 So we have reportedly held back £40k from ticket sales as Sevco had not paid..
08 Jan 2017 13:42:12 New Poster Here - Does anyone feel we as a team would suit a 3-5-2 formation..
12 Jan 2017 14:12:13 eboue will wear number 88..
15 Jan 2017 12:19:04 rodgers confirms talks opened to keep patrick..
11 Jan 2017 21:44:41 Anybody hearing of any damage done to paradise due to the weather? Heard..
09 Jan 2017New image uploaded to the Celtic Player Sightings page entitled, PMSL - King Investment..
16 Jan 2017 19:46:06 First time poster long time viewer. Not sure what all the fuss is about with..
07 Jan 2017 23:36:22 Bojan. Not for me, reeks of Juninho type of..
17 Jan 2017New image uploaded to the Celtic Player Sightings page entitled, Photoshopped image and..
11 Jan 2017 10:29:45 Looks like biton will be surplus to requirement when eboues work permit goes..
13 Jan 2017 13:54:37 Ok so I don't like Davie Provan much. Great Player but not so good at being a..
16 Jan 2017 21:34:42 So the daily ranger is reporting that man utd are preparing a 10m bid for..
19 Jan 2017 18:29:00 I know we all as Celtic fans moan about the headlines the biased papers print..
15 Jan 2017 01:13:49 I haven't had a sniff of a rumour for the past week! Anybody got any info at..
08 Jan 2017 14:55:58 So now media saying our value on MD is 30m. I think he will be a superstar..
08 Jan 2017 11:34:37 BR wants a squad of 16/ 17 pros. Over the next season and 1/ 2 we will see..
14 Jan 2017 17:05:36 ha ha barton scored the winner for burnley today hes a dud but the..
15 Jan 2017 15:08:38 The man utd and Liverpool back fours for today's game honestly wouldn't swap..
07 Jan 2017 11:44:13 With Celtic enquiring about Bojan in the summer and now he is looking first..
13 Jan 2017 11:36:55 Morning Ed, if you get chance, do you know if Bastia and Anderlecht are..
16 Jan 2017 17:12:11 Random I know but JimTim - did you notice who scored a double in Germany..
10 Jan 2017 10:49:03 Apparently Kolo is being used as a sort of scout? Do you think this might be..
17 Jan 2017 08:26:42 Man united want teirney for 10 mill. Tell them to feck right off. the boy is..
10 Jan 2017 23:46:55 Everton and Man Utd agree a fee for schneiderlin (?) Does this means..
13 Jan 2017 17:09:51 Izzy off to Leeds or Izzy going to..
07 Jan 2017 14:40:49 Ed, have you heard anything about Celtic trying to sign..
03 Jan 2017 22:00:45 A video has surfaced of Dembele's goal at the weekend from behind the goal at..
29 Dec 2016 08:45:35 Morning Lads, usually do this every yr so would like to ask, if money was no..
28 Dec 2016 10:51:22 Off to the Ross County game tonight with the family. Celtic giving us the..
30 Dec 2016 16:03:42 I really hope our fans do us proud tomorrow when the minutes silence is held...
27 Dec 2016 18:10:47 I see Brendan has stepped into dangerous territory talking about diet and..
06 Jan 2017 09:15:38 Just read that the police are investigating comments on a knuckle draggers..
03 Jan 2017 18:07:27 New signing expected soon Celtic are set to sign Krasnodar teenage starlet..
05 Jan 2017 16:44:48 West Ham have bid £20M for Dembele according to DR. Tell them to jog..
05 Jan 2017 12:12:48 Is there any other club that can boast as many ex keepers all playing in the..
05 Jan 2017 22:53:40 Hi guys, First time posting and it could be a dangerous subject But imo I..
05 Jan 2017 16:48:38 So West Ham have bid £20 mill for Dembele. He won't be sold to them now but..
01 Jan 2017 10:25:16 Can I just take this opportunity to wish everyone on here health and..
03 Jan 2017 17:59:50 Celtic have agreed a £2.8million fee with Russia club FC Krasnodar for the..
01 Jan 2017 13:44:23 "a shout came from the crowd" A SHOUT"FFS there was 47k people there. Also..
03 Jan 2017 19:00:43 ok Bhoys and Ghirls i will start the thought process, when we get rid of..
31 Dec 2016 14:22:49 Brilliant win, great second half performance and considering the ref and..
31 Dec 2016 14:20:35 To Neil McCann " i really want Rangers to win this one". GIRFUY. Ya wee..
05 Jan 2017 16:30:05 Reading that West ham have lodged 20m bid for dembele, any truth in this ed?..
05 Jan 2017 09:26:59 Happy New Year all! Excited about the prospect of Eboue, hope he is a Kante..
04 Jan 2017 12:28:43 Reading on a few sites that Henri Lansbury is a possible..
28 Dec 2016 23:37:00 rodgers confirms rogic will miss the sevco..
05 Jan 2017 19:14:31 Isn't it great just how quiet all the sevconians are just now, hogmany..
31 Dec 2016 15:03:24 Daily ranger at it again, foaming at the crotch because 1 numpty shouted..
30 Dec 2016 12:27:03 police have banned celtic fans from wearing hard hats at ibrox. only in..
28 Dec 2016 22:01:59 Right bhoys predictions for Saturday. 0 - 3 Celtic all day..
03 Jan 2017 01:02:13 What an incredible signing Scott Sinclair has been! Many, myself included,..
02 Jan 2017 17:57:57 Being reported that the gaffer is getting 6 million to spend in the..
01 Jan 2017 09:52:00 Ed you herd anything about us going for Jordan..
28 Dec 2016 23:46:45 Griffiths or dembele? Ad prefer Griffiths but wouldn't complain if dembele..
23 Dec 2016 17:33:07 Merry Christmas Bond and all the..
06 Jan 2017 10:28:53 Chinese club makes bid for..
05 Jan 2017 13:33:43 Filip benkovic name floatn round. defender from zagreb im sure it said. ?..
04 Jan 2017 18:01:12 The name "Jean-Kevin Duverne" is being thrown around. Heard we're linked with..
28 Nov 2016 21:59:31 Ed, not been on in ages, I hope that you are well. Do you have any idea if..
04 Dec 2016 16:18:15 Great performance yesterday and we are great to watch, what a difference this..
07 Dec 2016 14:16:31 They tossers at eufa have charged us with crowd disturbances and letting g..
11 Dec 2016 01:25:51 Alright ED and Bhoys having a bevvie and watching the King do you think we..
22 Dec 2016 18:33:53 Just wanted to say thanks to all who expressed good wishes towards Mrs T..
18 Dec 2016 13:54:47 I thought yesterday's display was understandably a bit disjointed given no...
15 Dec 2016 17:24:33 Sorry bhoys not celtic related but had to mention rio ferdinand. He's..
08 Dec 2016 22:02:17 Just looking at the Europa League results, on our form in CL I think we would..
03 Dec 2016 14:56:33 What a game, what a manager, Rogic coming up with the winner playing the full..
09 Dec 2016 21:38:50 If I wanted my 6yr old to listen to songs about the IRA I would of took him..
30 Nov 2016 14:28:26 Guys I'm going to eat a bit of humble pie today and admit I was wrong! I said..
24 Nov 2016 19:55:28 Beer sheva pumping inter 3-2 and the sevco fans slagged us for struggling..
04 Dec 2016 12:35:29 celtic linked with jordan..
11 Dec 2016 22:39:01 What i want to see is us break the 100pts this year. We are on track and..
30 Nov 2016 21:24:21 thats wee tierney underwent a shoulder op yesterday as well as having his..
11 Dec 2016 00:23:35 Man City have never been the same since they met us at Parkhead. I see they..
23 Nov 2016 22:13:59 A guy we are meant to be signing. He's at game tonight. Darlington Nagbe..
09 Dec 2016 23:07:57 Armstrong he's totally focused on playing for..
04 Dec 2016 12:55:34 While he has been unfortunate to get injured and lose his place it seems lg is..
04 Dec 2016 11:54:51 I really can't understand the constant Craig Gordon bashing with some of our..
29 Nov 2016 14:57:03 Who would be everyone's player of the year so far this season? I'd pick..
14 Dec 2016 07:14:17 Is anyone else peed off with all this talk about us going the whole season..
07 Dec 2016 20:33:08 Has anyone else noticed this cathro guy is already being dismissed as no..
23 Nov 2016 22:21:01 I might be in the minority tonight but I thought we played well, at least in..
18 Dec 2016 18:08:02 Snodgrass is out of contract at the end of this season at Hull, I've always..
09 Dec 2016 22:45:42 Who would everyone pick as our most improved player from last year to this..
07 Dec 2016 18:57:44 Anyone else think that tom rogic has been bulking up this season. Last few..
08 Dec 2016 22:02:40 Have you heard anything regarding Pat Roberts and the possibility of him..
26 Nov 2016 16:41:57 James McCarthy to Celtic on loan in January with a view to a permenent deal..
05 Dec 2016 18:55:20 hearing rodgers getting a bit fed up with griffiths lack of effort in..
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Wholesale Solar recommends the simple Enphase micro-inverter solar power systems described below as the easiest way to get started with a REAL solar energy project. This is a solar power system that is gridtied, or connected to the utility grid.
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Up to four candidates are accepted on a competitive basis each semester for the Social Work Internship. The internship starts at the beginning of the academic semester at Florida State University.
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Where was the media? Where was CNN and MSNBC? Where with the Sunday morning talk shows and liberal panels that attack Republican values?Read More »
John Hopkins bans Chick-fil-A from campus, social media reacts!
Sides are drawn and it seems the Johns Hopkins University students voted this week to ban Chick-fil-A from campus, according to reports. Though there are currently no plans to bring the fast food restaurant to the school's campus, the Student Government Association approved a resolution that called for University officials …Read More »
Chick-Fil-A CLOSED but for a valiant reason that will make you love them even more
The restaurant chain Chick-Fil-A is known for it's yummy food, outstanding service and community-centric atmosphere. But this time, a local store went a bit further in showing just how much they care when they paid respect to a fallen police officer. A town in Griffin, Georgia was mourning the loss of Police Officer …Read More »
Stand for Free Speech & Sit for Good Food: Chick-Phil-A National Support Day
Join the movement to support Chick-fil-a and Phil Robertson by wearing cam/Duck Commander gear to eat at a Chick-fil-a on January 21, 2014. #TeamNinja will be on the scene!Read More »
Rahm Emanuel needs to stop Fighting Chick-Fil-A and Fix Chicago
Obama's buddy who sat in the front row during continued murders and killings in Chicago now has a teacher strike on his hands a few weeks into the school year. He like his partner has failed to lead!Read More »
Hating the Haters, Pt II: The Hypocrisy of Chick-Fil-A Protesters
Zo is back to expose the double standard of liberals and the left, especially as it applies to the Chick-fil-A controversy. What role does Obama play in the gay marriage uproar? httpvh://www.youtube.com/watch?v=ffEjJs2kOtoRead More »
Ann Coulter: Strong Chick-fil-A appreciation turnout debunks gay-marriage polling
At the end of the roundtable segment on ABC's "This Week" Sunday, conservative columnist Ann Coulter, author of the forthcoming book "Mugged: Racial Demagoguery from the Seventies to Obama," explained why there is cause for skepticism on the claim that the American public is gravitating toward approving gay marriage. Coulter …Read More »
MAKING NOISE!! Black Pastors: Banning Chick-fil-A From Cities 'Same Thing' As Banning Blacks From Restaurants
Courtesy of CNSNewsRead More »
Gay Protesters Harass Homeless Man Reading Bible During Chick-Fil-A Kiss In
Take a moment to view this clip and just think to yourself where did this situation get flipped. Gays and Lesbians should have never been treated badly or discriminated because of their choice even if people didn't agree with that lifestyle. However, in the same breath, I do not condone …Read More »
Chick-Fil-A's Head Spokesman And VP Of Public Relations Has Died Unexpectedly
A man who, for the past week has had the most difficult job in the country, passed away suddenly this morning. Don Perry, the Vice President of Public Relations for Chick-fil-A, has been the man spearheading the response to the PR nightmare caused when CEO Dan Cathy made homophobic comments …Read More »
Antoine Dodson: 'If I want a Chick-fil-A sandwich, I'm going to have a Chick-fil-A sandwich'
ROTFL….New Spokesman for the Gay Community that will be eating at Chick-Fil-A!!! httpvh://www.youtube.com/watch?v=LUmoTOujJ7QRead More »
Obama's Friend Rahm Emanuel Seeks to Ban Christian Owned Chick-fil-A from City
httpvh://www.youtube.com/watch?v=6Xk93TTjYb8 Rahm Emanuel has backed calls to keep Chick-fil-A from doing business in his city, saying the restaurant chain's Christian beliefs on marriage "are not Chicago values." Meanwhile, the Boston Globe has come to the defense of Chick-fil-A leaders' right to hold those beliefs in the wake of similar comments …Read More »


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Check in from 14h / Check out prior to 11h
Best Western Richland Inn & Suites: Find photos, reviews, information, amenities and compare prices for 2 stars hotels in Richland, United States.
Set in Richland, Best Western Richland Inn & Suites is located within easy driving distance of Jackson and Pearl. It also provides an outdoor pool, massage services and an express check-in and check-out feature.
Hotel description
Best Western features a 24-hour reception, plus internet and a safe. Guests can also enjoy canoeing and hiking.
The hotel has 36 spacious rooms offering all the necessities to ensure a comfortable stay.
Guests of Best Western Richland Inn & Suites can enjoy a continental breakfast, which is served daily. Those looking for after-dinner entertainment can enjoy the in-house casino.
Best Western provides a convenient place to explore Jackson State University and Jackson Zoo, as well as everything the local area has to offer. Under a 20-minute drive away, Jackson-Evers International Airport is within easy reach.
Hotel features
Air Conditioned, Vending Machines
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Users who viewed Best Western Richland Inn & Suites also viewed these 2 stars Richland hotels:
Super 8 Richland
1158 Hwy 49 South, Richland
1158 Hwy 49 South, Richland
Rodeway Inn & Suites Richland
390 Highway 49 South, Richland
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Quality Inn Richland
1035 US Highway 49 South, Richland
1035 US Highway 49 South, Richland
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- Hampton Inn Richland/South Jackson
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