ABSTRACT
In the midst of efforts to control the rising costs of health care in the United States, insurance companies have employed a variety of “cost containment” techniques, many of which have proven relatively ineffective. In fact, the trend toward limiting or even eliminating certain health care insurance coverage is being considered by more and more employers at an alarming rate. New programs such as HMOs and other managed care approaches to controlling these rising costs have resulted many times in conflicting and confusing insurance benefits for employees and their dependents.
