Related by context. All words. (Click for frequent words.) 55 liabilities xi fluctuating 47 HOW MANY COVERED 47 noninsured 46 uninsured 43 uninsurables 43 recoupments 41 Underinsured Motorist 40 Underfunded pension 40 Mastercard Visa accepted 40 presidentially declared disaster 40 underinsured motorist UIM 40 skyrocketing malpractice 40 FEMA Kinerney 40 NBCR 40 unfunded retiree 39 overinsured 39 FACT CHECK Shaky 38 underinsured 38 self insured retentions 38 uninsured underinsured 38 Rosanne Placey spokeswoman 38 ratio MLR 38 MassHealth Medicaid 38 insured 37 PrevCareMD 37 uninsurable 37 nsurance 37 medically uninsurable 37 IndyMac depositors 37 Underinsured 37 sickest enrollees 37 Uninsured 36 catastrophic 36 unreimbursed medical 36 Coverage EPIC 36 AHCCCS eligibility 36 Unfunded pension 36 farmowners 36 SCHIP enrollees 36 disenrolling 36 premiums copays 36 uninsured Tennesseans 35 sleepwear infants 35 underinsured motorist coverage 35 RIPAE 35 spokeswoman Rosanne Placey 35 cov erage 35 inpatient hospitalization 35 copayments coinsurance 35 covering elective abortions 35 preventable hospitalizations 35 insurable crops 35 Michael Huttner conservatively 34 nonwealthy 34 exclusions 34 noncovered 34 AccessTN 34 Rescissions 34 deductible coinsurance 34 Variable annuities involve 34 MCARE 34 Prevented planting 34 MinnesotaCare enrollees 34 GAMC recipients 34 radiological NBCR 34 workers' compensation 34 uninsureds 34 Ken Ambos 34 nonelderly residents 34 mortality morbidity 34 Medi caid 34 FACT CHECK Barbour 33 Lynn Blewett 33 FAFLIC 33 Elderly Pharmaceutical 33 megastorm 33 MassHealth Basic 33 HSA compatible 33 Medically Indigent Program 33 Casualty Intermunicipal Fund 33 unreimbursed 33 Inc. NASDAQ HCII 33 insurance 33 Insurance Plan PCIP 33 Slome notes 33 MLRs 33 pre exisiting 33 foreclosure Sharga 33 SCHIP eligibility 33 TMLT 33 Candysse Miller 33 medically indigent 32 Elective abortions 32 FHCF 32 Corporation TSX XMC 32 Underinsurance 32 Fish Parcham 32 Title XIX 32 Superintendent Alessandro Iuppa 32 insurable 32 vastly underestimate 32 uninsured Coloradans 32 reinsurance recoverables owed 32 uninsurance 32 ABX1 1 32 deductibles copayments 32 Heil CongressDaily 32 unfunded actuarial accrued 32 Pre Existing Condition 32 taxexempt 32 underinsuring 32 de tariffed 32 Medicare enrollees 31 lowincome 31 Womer Benjamin 31 Aegon Religare Aviva 31 copays deductibles 31 Commissioner Diane Koken 31 impotence incontinence 31 Norman CQ HealthBeat 31 ARKids 31 Medicade 31 Accrued postretirement 31 Roy Jeffus 31 inmigration 31 Flexible Savings Accounts 31 deductibles copays 31 underwrites malpractice 31 Badgercare 31 PCIP 31 MICRA 31 Osteoporotic fractures 31 Slome explains 31 COBRA continuation 31 workersa compensation 31 RIte Care 31 multiemployer defined 31 Julie Rochman spokeswoman 31 potentially preventable hospitalizations 31 Disproportionate Share Hospital 31 supplemental Medigap 31 insurers 31 Catastrophic 31 untreated STDs 31 restrictive formularies 31 Undocumented immigrants 31 ARS# #mn 31 Moral hazard 31 reauthorize SCHIP 31 catastophic 31 nonelderly 31 loan origination fees 31 Conning understands 31 medically needy 31 topsy turvy budgeting 31 reinsurance recoveries 31 Pam Jochum 30 Mine Subsidence Insurance 30 nonrenewals 30 CHAMPVA 30 European windstorm Xynthia 30 Premature menopause 30 PXRE undertakes 30 Chronically ill 30 nongroup 30 health care 30 Then Carlene Balderrama 30 insur ance 30 prudent layperson 30 Secretary Fred Cerise 30 RLI specialty 30 Lodestone Re 30 recoverables 30 CHIP reauthorization 30 financeability 30 Vitality Re 30 repealers already 30 BestWire Feb. 30 nonworking spouses 30 Tenncare 30 Prescription Advantage Program 30 underfunds Medicaid 30 Children 30 itemizes deductions 30 AIDS HOPWA 30 miscellaneous itemized deductions 30 SCHIP reauthorization 30 Workman Comp 30 Stranger Originated Life 30 Illinois Mine Subsidence 30 insured depositories 30 insurance premiums 30 Seguros ING 30 Kristin Binns spokeswoman 30 Balboa Reinsurance captive 30 unfunded accrued 30 Companies ACIC 30 Medicaid caseloads 30 uncorrected vision 30 lapsation 30 deemed uninsurable 30 NCUA insured 30 young invincibles 30 IBNR 30 nonpoor 30 Hip fracture 30 PPACA 30 multiperil 30 uninsured underinsured motorist 30 limiting noneconomic damages 30 underinsurance 30 Shana Alex Lavarreda 30 Insurable 30 reinsurance reinstatement 29 medically underserved populations 29 INSURANCE MANDATE Almost 29 Travelers Indemnity 29 uninsured Marylanders 29 Wyomissing PA offering 29 Plan OHIP 29 Roger Sevigny 29 PPO POS 29 smallest bluechip 29 Bijan Moazami 29 actuarially unsound 29 Whit Cornman spokesman 29 medically underwritten 29 Bob Lotane spokesman 29 unforseeable 29 colorectal screenings 29 Medi Cal beneficiaries 29 preexisting condition 29 prescription contraceptives 29 preventable readmissions 29 windpool 29 Karen Pollitz 29 Insuring 29 KidsCare Parents 29 Dick Luedke spokesman 29 COBRA Consolidated Omnibus 29 Livestock Gross Margin 29 Uninsured Underinsured 29 VGLI 29 Uninsured Motorist 29 Laura Tobler 29 MaineCare reimbursements 29 mammograms Pap tests 29 Joffe Halpern 29 unforeseen calamities 29 Medigap coverage 29 FHA insured 29 Federal Deposit 29 remediable 29 PLADs 29 Avian flu pandemic 29 NASDAQ ANAT 29 catastrophe reinsurance reinstatement 29 insuring 29 brown pelicans sea turtles 29 presidentially declared 29 imprisoning illegal immigrants 29 prefund 29 Mcare 29 CDO exposures 29 mortgage guaranty 29 ALTCS 29 Getahn Ward covers 29 Medicare eligibles 29 preexisting conditions 29 subordinate liens 29 underinsured motorist 29 ischemic cerebrovascular 29 NBCR risks 29 Non Insured 29 nonelderly adults 29 agent Tye Strickland 28 dually eligible 28 advanceable 28 COBRA subsidies 28 copayments deductibles 28 Dirigo Choice 28 Uninsured motorist 28 Personal Injury Protection 28 Assisted Living Assisted 28 Tomlinsons misrepresented parts 28 merchant chargebacks 28 value ratios LTVs 28 unanticipated 28 Mediclaim policy 28 REQUIREMENTS FOR INDIVIDUALS Individuals 28 TennCare recipients 28 DoBias 28 Reimbursement Accounts 28 allowable copays 28 adultBasic enrollees 28 Fund FHCF 28 specialty casualty multiline 28 OHIC 28 CAHs 28 Bodily Injury 28 Early Prescription Refills 28 Medigap supplemental coverage 28 NYSHIP 28 IINC Executive 28 turnarounds restructurings 28 windstorm deductibles 28 liability 28 GSPHMO 28 Crop Disaster Assistance 28 NCUSIF 28 insurability 28 Blue Shield PPO 28 spokesman Walt Cherniak 28 Seninger 28 Eurozone sovereign 28 canal floodwalls 28 Jeworrek 28 Lavarreda 28 Judge Fortunato Benavides 28 heath care 28 Medi Cal recipients 28 Catastrophe losses 28 colorectal cancer screenings 28 IBCCP 28 Cindy Ehnes director 28 EIDLs 28 Presidentially declared disaster 28 English proficiency LEP 28 eminently preventable 28 uncollateralized 28 spokesman Ed Domansky 28 INSURANCE MANDATE Like 28 Vitamin D insufficiency 28 MGL c 28 re imbursements 28 Ziol Guest 28 lifetime maximums 28 guaranty reinsurance 28 reinsurance recoverable 28 contributions NICs 28 Dr. Dynasaur 28 disproportionately afflict 28 Noninsured Assistance Program 28 Liability 28 RRGs 28 Uncompensated care 28 HECM loans 27 bandits shoving 27 Lapciuc 27 medicaid 27 NYPIUA 27 TFN NEWS BRIEFING Banking 27 Option ARMS 27 ABK.N Quote Profile Research 27 MIRMA 27 Medicare Advantage PFFS 27 COLI BOLI 27 reinsurers Swiss Re 27 multiemployer pension plans 27 Windstorm Xynthia 27 coverage 27 Balboa Reinsurance 27 dehabilitating 27 Cathy Schoen 27 retrocessional coverage 27 MediGap 27 nonadmitted 27 Noninsured Crop Disaster Assistance 27 Advocacy Program HICAP 27 HealthWave 27 Grandfathered plans 27 unaffordability 27 unhelmeted riders 27 takaful operators 27 ProMutual 27 BadgerCare Plus Core 27 Group Inc ABK.N 27 insure 27 BadgerCare Plus Basic 27 unplanted acres 27 Medicare Medicaid 27 habitational 27 Allstate Geico 27 HEALTH INSURANCE 27 liablity 27 lacerations sprains 27 Dual eligibles 27 Medically Needy Program 27 ALFs 27 Medi cal 27 FEMA reimburses 27 negatively amortizing 27 blog Heavy Doses 27 Recouping 27 CNBR 27 Aetna Wellpoint 27 Annotti 27 indemnifiable 27 intravenous antibiotic therapy 27 HECM reverse 27 Bonnie Milani 27 unreimbursed expenses 27 setting Koffenberger 27 Disaster Response Organisation 27 IowaCare 27 reimbursement 27 actuarially sound rates 27 HSA HDHP 27 megadisasters 27 Lloyds Underwriters 27 Reschovsky 27 reinstatement premiums 27 Trip Cancellation 27 Reichard CQ HealthBeat 27 European Windstorm Xynthia 27 nonfederally 27 Medically Needy 27 Medicaid 27 workers' comp 27 Zehnder Merrell 27 CHARLOTTE NC Travelers Cos. 27 noncurrent loans 27 surance 27 Medication errors 27 awaiting kidney transplants 27 Fovissste 27 medically underserved communities 27 SCHIP reauthorization bill 27 mammograms pap smears 27 SBLIC 27 BCBSM 27 costliest natural disasters 26 LaCHIP 26 monoliners 26 ConnPACE 26 Medi Cal reimbursements 26 Operations contained therein 26 alternative QDIA 26 medigap 26 Torsten Jeworrek Munich Re 26 catastrophe 26 HomeWise Insurance 26 Lindsey Spindle vice 26 Chronic diseases 26 Aetna Humana 26 preventability 26 retrocessional reinsurance 26 uninsured Pennsylvanians 26 nonrenewed 26 Carbofed products 26 Workers comp 26 liability CGL 26 Nicole Mahrt spokeswoman 26 premiums 26 Nancy Dragani 26 uterine ruptures 26 Renter insurance 26 Unforeseen 26 CeltiCare 26 unnecessary readmissions 26 Therein lurks 26 Medically Needy program 26 HMO enrollees 26 guaranty associations 26 STOLI transactions 26 Dr. Rohack 26 VHAP 26 Paul Fronstin 26 materially adversely affected 26 med mal 26 urgent spacewalking repairs 26 ITIN filers 26 deductable 26 MercyCare 26 AdultBasic 26 Variable Annuity Life 26 HMOS 26 catastrophe modelers 26 Physicians Assurance 26 FSAs HRAs 26 Health 26 childless adults 26 undiagnosed untreated 26 surgically implanted electrodes 26 preindustrial temperatures 26 Schip 26 Tricia Neuman Kaiser 26 Janashree Bima Yojana 26 grossly underinsured 26 hens Schaffner 26 meningitis epidemics 26 Hip fractures 26 fetal deformities 26 frivolous malpractice lawsuits 26 workmen comp 26 mortgagebacked securities 26 FHA insures 26 ObamaCare 26 Ron Pollack 26 FQHCs 26 Zwonechek 26 insurnace 26 Bul Ins 26 direr 26 borrower defaulting 26 reinsuring 26 uncompensated care 26 CQ HealthBeat reports 26 FMAP extension 26 Website www.cgi.com 26 spokeswoman Kate Hollcraft 26 uninsured motorist 26 AHPs 26 Uninsured Motorist Coverage 26 deductible 26 Ms. Chmieleski 26 lowering 26 Uninsured Underinsured Motorist 26 variable annuity guarantees 26 NHMBB 26 medical malpractice 26 severe 26 Symbility Solutions automates 26 Medicaid recipients 26 malpractice tort reform 26 uninsured San Franciscans 26 Carey CQ HealthBeat 26 federally subsidized 26 illegal immigrations 26 Isidro Chilo Alaniz 26 Employers Liability Compulsory 26 Amy Danise 26 TARP infusions 26 MBIA Ambac 26 noncitizen immigrants 26 underfinanced pension 26 Health care 26 Uncompensated Care 26 Kristian Moor 26 Partnership HealthPlan 26 Spinal cord injuries 26 Monoline insurers 26 Associa client 26 cashless hospitalization 25 Program HICAP 25 Valiant Specialty 25 Loss Ratio 25 difficulty affording 25 Medigap insurance 25 Medicare donut hole 25 unforeseen 25 Prescription Assistance Programs 25 unnecessary hospitalizations 25 Medishield 25 Seguro Popular 25 Silberner 25 TennCare enrollees 25 spokesman Dick Luedke 25 Insured 25 MIIX 25 Avalere estimate 25 Employer Provided 25 Accident Forgiveness 25 Coinsurance 25 FutureCare 25 Medicaid reimburses 25 enrollees 25 monoline insurer 25 disorderly unwinding 25 Natoma Canfield 25 Centers FQHCs 25 Flexible Spending Accounts 25 Mitsui Sumitomo MetLife 25 mini med 25 payor mix 25 Regence BlueCross 25 winter storm Kyrill 25 eczema acne 25 Healthy Families Program 25 recalled painkiller Vioxx 25 HEALTH INSURANCE Individuals 25 Judy Purkey 25 Medicaid enrollees 25 insurer MBIA 25 Medicare recipients 25 DISTRESS SALE Bank 25 Windstorm Kyrill 25 ceding commissions 25 coma convulsions 25 congressionally mandated minimum 25 Loretta Worters spokeswoman 25 subrogate 25 Equity indexed annuities 25 viatical investments 25 Florida KidCare 25 Empire BlueCross 25 Tort reform 25 catastrophic proportions 25 Ecclesiastical Insurance 25 Coverdell accounts 25 Mary Beth Senkewicz 25 Mcare abatement 25 GAMC enrollees 25 ER crowding 25 CharterBank deposits 25 GeoVera 25 cedents 25 Care GAMC 25 Seguros Argos 25 Medicare beneficiaries 25 PAAD 25 PIP claimants 25 Medi Cal reimbursement 25 Federally insured 25 SCENARIOS Possible 25 deductibles coinsurance 25 nonstandard automobile 25 TennCare Bredesen 25 misfuelling 25 Sam Sorich 25 Study Puttering 25 malpractice lawsuits 25 Casualty Ins 25 insurers MBIA MBI 25 Economically disadvantaged 25 PPO EPO 25 Salaam Halal 25 spokesperson Peter Ashkenaz 25 Antibiotic resistant infections 25 Medi Cal Healthy Families 25 accounts HRAs 25 Allstate Indemnity 25 deductibles 25 SOGAZ 25 muni bond 25 PEHP 25 inpatient hospitalizations 25 Diane Koken 25 Staving 25 Mbask 25 Medicaid reimbursement 25 Travelers Indemnity Company 25 AMERISAFE actively markets 25 Dr. Rhonda Medows 25 Marita Zuraitis president 25 nonstandard auto 25 includable 25 Shelly Gehshan director 25 malpractice suits 25 MaineCare recipients 25 enrolees 25 Patient Assistance Program 25 Dr. Plested 25 Domestic Brokerage 25 Jeanne Salvatore 25 nonsubsidized 25 SoftSecond 25 MHPAEA 25 CoverKids 25 PacAdvantage 25 Hurricane Catastrophe Fund 25 Fecal incontinence 25 CMTPL 25 FEGLI 25 nondrivers 25 ICHIP 25 shipping packing crating 25 HUF# #mn 25 Kuczwanski 24 Renate Pore 24 Alonso Zaldivar 24 Medicare reimbursement 24 accidental breakage 24 lowincome families 24 HDFC Chubb 24 burdening taxpayers 24 OHCA 24 Worldwide Trip Protector 24 pay copays coinsurance 24 underpopulation 24 Insurance Reciprocal 24 AEIs 24 AmerInst 24 Self Insured 24 Chronic illnesses 24 Affordable Care Act 24 BadgerCare Core 24 written NPW 24 property catastrophe reinsurance 24 Ladbroke Grove rail 24 London LOL.UL 24 EITC recipients 24 HealthFirst 24 Assurant Inc 24 nyse UNH 24 Zoster vaccine 24 FAIR Plan 24 Husseiniyah blockade 24 Information Program SHIIP 24 Century Indemnity 24 insurances 24 OLTV greater 24 Alan Mittermaier 24 untreated sleep disordered 24 Watchdog Bailouts created 24 workman comp 24 retrocessions 24 curbing malpractice lawsuits 24 Medigap policies 24 PBGF 24 Poverty Level 24 Mahesh Swaminathan mortgage 24 Mental Health Parity 24 Paul Fronstin director 24 detariffed 24 EPSDT 24 Left unrepaired 24 Severe sandstorms 24 Denti Cal 24 Zuppone 24 chronic illnesses 24 Advantra Freedom 24 AI AN 24 FGIC insured 24 noninsurance 24 Holdings AMEX UVE 24 Kristin Milam 24 Basak Inam 24 ING Seguros 24 deterioriation 24 Preventable 24 plan conspicuously omits 24 nonparticipating providers 24 Care Foundation GATCF 24 Beazley syndicates 24 Loretta Worters 24 Hardship withdrawals 24 MVAs 24 FDIC NCUA 24 mortality persistency 24 medical malpractice lawsuits 24 Hoosier Rx 24 AHCCCS 24 ISMIE 24 defrays 24 DeLuna Castro 24 hypoglycaemic unawareness 24 Shallower quakes 24 LillyAnswers 24 catastrophy 24 FSAH 24 Regulation XXX 24 actuarially 24 repopulate neural 24 Alessandro Iuppa 24 Copayments 24 MIChild 24 disproportionately affected 24 giant Fortis NV 24 Often overtreating fatal 24 dreaded donut hole 24 Assured Guaranty Ltd 24 Sandy Praeger 24 misclassify employees 24 actuarially justified 24 disorderly liquidation 24 unsubsidized COBRA 24 adverse 24 Assistance Program NAP 24 AIK Comp 24 Medigap supplemental insurance 24 Medicare 24 nondepository 24 Swiss Re Munich Re 24 ARKids First 24 Deductibles 24 reducing 24 RMBS exposures 24 Noman Ali 24 CMHCs 24 Medicare reimbursements 24 Reinsurers sell 24 catastropic 24 Insurers 24 Incalculable 24 reinsurance Hannover Re 24 MO HealthNet 24 Penobscot Piscataquis 24 Zenkyoren 24 multiline insurer 24 settlors 24 Cheryl Matheis 24 www.healthcare.gov 24 renters 24 Florida Hurricane Catastrophe 24 healthinsurance 24 HEALTH INSURANCE Small 24 Coregis 24 Lischko 24 Radian Asset 24 tort reform 24 Strongly Favor repeal 24 John Kuczwanski 23 Tax 23 Depositors Insurance 23 Program NFIP 23 HEALTH CARE 23 sharesave 23 DSH payments 23 Eathington 23 benefits copayments deductibles 23 PFFS plans 23 lifethreatening 23 Hardee DeSoto 23 actuarial soundness 23 PACENET 23 Specialty Casualty 23 casualty coverages 23 prescribed statins 23 Lynne McChristian 23 Humana nyse HUM 23 multiemployer 23 ILWs 23 callable CDs 23 BadgerCare Plus enrollees 23 MedAmerica 23 NJ FamilyCare 23 Peachcare 23 infants Sundlof 23 Aldagi BCI 23 elective deferrals 23 doc fix 23 FDIC insured depository 23 catastrophe modeler 23 HSA enrollees 23 Untreated sleep apnea 23 insurer UnitedHealthcare 23 cervical screenings 23 Anthem WellPoint 23 windstorm Xynthia 23 Deductible 23 Vitamin D deficient 23 HDHPs 23 Chantal Cyr 23 Subprime lending 23 workman compensation 23 Sandy Praeger Kansas 23 medically underserved 23 ancillary coverages 23 Grandfathered 23 CO poisonings 23 Folksamerica 23 Uninsured Patients 23 UM UIM coverage 23 disproportionately impacted 23 storm Xynthia 23 claims adjustors 23 commercial multiperil 23 HOW YOU CHOOSE YOUR 23 educating incarcerating 23 securitizing mortgages 23 Healthy Generations 23 drenching springs 23 Medigap 23 monolines 23 actuarially sound 23 ProSelect Insurance Company 23 unfunded pensions 23 Medicare Supplement 23 Berkshire Hathaway Reinsurance 23 ERISA fiduciaries 23 Salaried retirees 23 XGen Nevis Island 23 mapped floodplain 23 Mediclaim 23 Amica Mutual ranks 23 Northwind Holdings 23 Bronwyn Belling reverse 23 Millea Holdings Inc. 23 nonacute 23 eliminates counterparty 23 Fitch PEL 23 tort liability 23 NAICO 23 Hemorrhagic strokes 23 Claims adjusters 23 lien RMBS 23 indemnity 23 Joint Underwriting 23 PRSI contributions 23 supbrime 23 UM UIM 23 geriatric syndromes 23 healthcare 23 nonadmitted insurance 23 attorney William Shernoff 23 Lotane 23 crippling 23 policyholder dividends 23 HoosierRx 23 BlackRock MuniHoldings 23 Policyholder 23 Ambac insures 23 Rathge 23 nonadmitted basis 23 LTV ratios 23 FEHBP enrollees 23 calling #-#-MEDICARE 23 actuarially equivalent 23 natural disasters 23 Low Mileage Discount 23 suction entrapment 23 defaulting 23 Staywell 23 Insurance Premiums 23 Casualty Insurance Guaranty 23 Medicare HMO 23 nonhomestead properties 23 enacting tort reform 23 Cervical Cancer Early 23 cervical cancer screenings 23 defaults 23 MetLife Inc MET.N 23 homecare providers 23 accidental needlesticks 23 awaiting organ transplants 23 serious 23 MinnesotaCare 23 Modified Pool 23 Physhield 23 CSHCN 23 Self cert 23 racial disparities 23 nonretirement accounts 23 GeoVera Insurance 23 Uncompensated 23 securitized pools 23 Dr. Eric Lavonas 23 S CHIP 23 reinsurers Munich Re 23 Fronstin 23 ACOs 23 HealthChoices 23 MediCare International 23 lung embolism 23 Polk HealthCare 23 unaffordable 23 Fit Choices 23 compulsory insurances 23 rescissions 23 Itau Seguros 23 Multi Peril 23 Pneumonia vaccine 23 Subservicing volume 23 Illegal immigrants 23 Liability Insurance 23 reversible blindness 23 IHSS recipients 23 uncollectible reinsurance 23 Swiss Re RUKN.VX 23 Contiguous counties 23 Uncompensated Care Pool 23 Disproportionate Share 23 lifesaving organ transplants 23 deductible IRAs 22 intercompany reinsurance 22 keyman insurance 22 premiums deductibles 22 Rapture believers 22 Hiroshi Koide 22 Doubts revolve 22 Segregated Account 22 coinsurance 22 Illinois Cares Rx 22 healtcare 22 homeowners 22 Health Care 22 CHANGES TO MEDICAID 22 Jamkesmas 22 Denali KidCare 22 FDIC insures 22 MEEMIC Insurance Company 22 Disaster Loan Assistance 22 MediCare 22 wreak untold 22 BISHCA 22 OFCCP jurisdiction 22 insurees 22 peso devaluations 22 MedicareAdvantage 22 insurer WellPoint 22 Piecemeal reform 22 Aetna CIGNA 22 MXN# #mn 22 nonprime lending 22 Rich Robleto 22 HMO PPO 22 Thermohaline circulation 22 Copays