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(Click for frequent words.) 65 MLRs 57 Loss Ratio MLR 55 Loss Ratio 54 insurers 53 MS DRG 53 RVUs 53 MLR 53 ISMIE 53 FACT CHECK Shaky 52 LTCH 52 TMLT 52 copayments deductibles 52 GSPHMO 52 mortality morbidity 52 premiums 51 Loss Ratios 51 Medicare Advantage premiums 51 self insured retentions 51 IBNR levy 51 PMPM 50 Archer MSAs 50 deductibles copays 50 Physician Fee 50 noncovered 50 LTCHs 50 copays deductibles 50 IBNR 50 HSCRC 50 nonadmitted 50 PrevCareMD 50 Adjustment Expenses 49 Medicare Advantage PFFS 49 Gentle EVER 49 guaranty insurers 49 copayments coinsurance 49 LAE reserves 49 insurance 49 de tariffed 49 nonhospital 49 deductibles copayments 49 covering elective abortions 49 Assurant Inc 49 Copays 49 Unearned premiums 49 MCCSR 49 IBNR reserves 49 Aetna Inc AET.N 49 medically underwritten 49 Van Ribbink 49 HMOS 49 outlier payments 48 Mastercard Visa accepted 48 prudent layperson 48 MassHealth Medicaid 48 insurance premiums 48 coinsurance 48 policyholder dividends 48 NYSE SKP 48 Dr. Rohack 48 MHPAEA 48 unfunded retiree 48 ACCME accredited provider 48 inhospital mortality 47 Pap smears mammograms 47 THB# #mn 47 ABX1 1 47 outsource janitors 47 unfunded accrued 47 NBCR risks 47 catastrophe reinsurance reinstatement 47 MaineCare reimbursements 47 preauthorization 47 merchant chargebacks 47 Uncompensated care 47 lapsation 47 ambulatory surgical centers 47 Medicare reimburses 47 workers' compensation 47 medication nonadherence 47 written NPW 47 DSH payments 47 HMO PPO 47 insurer Cigna 47 PDP MLR 47 Stephan Christiansen 47 MS DRGs 47 guaranty associations 47 discourage frivolous lawsuits 47 Professional Liability PL 47 EUR1 #mn 47 Medicare reimbursements 47 CQ HealthBeat reports 47 devicemakers 47 nongroup 47 capitated 47 DAC unlocking 47 Ed Hanway 47 Reinsurance recoverables 46 PFFS plans 46 actuarially determined 46 actuarial 46 units RVUs 46 PPO POS 46 malpractice payouts 46 insurer BUPA 46 MediGap 46 DRGs 46 MXN# #mn 46 Chubb CB 46 ACGME 46 postemployment 46 Workers Compensation Utilization 46 HSA enrollees 46 inpatient discharges 46 MCCSR ratio 46 workersa compensation 46 DMEPOS suppliers 46 MMSEA 46 PMPM basis 46 HMOs 46 deductibles coinsurance 46 patient acuity 46 Maintenance Organizations 46 NHRPL 46 Californians foretells skyrocketing 46 recoupments 46 Assumed Reinsurance 46 Aetna AET 46 Inpatient Prospective Payment 46 UnitedHealth UNH 46 CAHs 46 FAFLIC 46 RRGs 46 Coinsurance 46 minimization Ely 46 Prevented planting 46 insurer 46 Minnetonka Minn. insurer 46 FSAs HSAs 46 PPACA 46 Website www.cgi.com 46 Medicare reimbursement 46 Susep 46 underinsured motorist UIM 46 Company noncontributory defined 46 uninsured underinsured motorist 46 FGIC insured 46 Cigna 46 windstorm deductibles 46 nonelective 45 insurer UnitedHealthcare 45 Medicare Physician Fee 45 Morgan Stanley Healthcare Payor 45 nonhospital providers 45 Medicare Advantage MLR 45 limiting noneconomic damages 45 Insurer Aetna 45 HMO 45 Preferred Provider Organizations PPOs 45 POHs 45 Amedisys NASDAQ AMED 45 recoverables 45 nsurance 45 NYMagic 45 Medicare Advantage 45 Ashish K. Jha 45 Amerigroup AGP 45 retrocessions 45 HPHC 45 c Relates 45 actuarial valuations 45 unhelmeted riders 45 CDHP enrollees 45 Adjusted EBTIDA 45 Brad Fluegel WellPoint 45 IDTF 45 Insurers 45 - Total noninterest expense 45 restrictive formularies 45 repealers already 45 mortality persistency 45 Medicaid RACs 45 sales divestitures recapitalizations 45 Hospitalisation 45 securitization exposures 45 Unreimbursed 45 Variable annuity 45 #.#mln rub [006] 45 Dr. Plested 45 ERISA pre emption 45 mini med 45 Reinsurance Assumed 45 nonadmitted insurance 45 inpatient hospitalization 45 ARS# #mn 45 PTNS therapy 45 Humana HUM 45 BJ Wholesale 3Q 45 Employers Liability Compulsory 44 unfavorable payor mix 44 Amedisys AMED 44 Allan Baumgarten 44 Deductibles 44 Cigna Corp 44 Slome notes 44 Mcare Fund 44 Medicare 44 VBID 44 Malpractice premiums 44 Medicaid Disproportionate Share 44 MGUs 44 overinsured 44 RRIF withdrawal 44 modified coinsurance 44 reimbursement arrangements HRAs 44 keyman insurance 44 inpatient EHR 44 SHKPI 44 governmental payors 44 uninsurables 44 MedPac 44 Humana nyse HUM 44 copayments 44 dispensed prescriptions 44 organizations MCOs 44 variable annuity guarantees 44 FRS# 44 Covidien plc COV 44 LAE ratio 44 prescriber surveys 44 TennCare recipients 44 address inadvertent miscalculations 44 Prudential LON PRU 44 vi ineffectiveness 44 Cigna HealthCare 44 Copayments 44 Lauran Neergaard 44 Minimum Continuing 44 HCPCS codes 44 precertification 44 XGen Nevis Island 44 deductible coinsurance 44 Wendy Parmet 44 medigap 44 Medishield 44 inpatient rehabilitation facilities 44 Lorillard 4Q 44 WellPoint WLP 44 Jason Gurda 44 WellPoint UnitedHealth 44 CNY# #mn 44 nonacute 44 insurer Cigna Corp. 44 Unfavourable Changes 44 payors 44 ratio ICER 44 BCBS 44 gynecology paediatrics 44 ceding commissions 44 actuarially justified 44 deductibles 44 materiality threshold 44 reinsurance reinstatement 44 copays 44 Mednax 44 postoperative mortality 44 LON SL 44 Outpatient Prospective Payment 44 NAIC RBC 44 System IPPS 44 Combined Ratio 44 reimbursement 44 foreign currency remeasurement 44 PBGF 43 Malpractice suits 43 unreimbursed expenses 43 re imbursements 43 HbA1C levels 43 pharmacoeconomic 43 MedicareAdvantage 43 NCQA accreditation 43 Variable annuities involve 43 reinsurance recoverables 43 MQSA 43 Medicaid 43 Medicare Advantage Prescription Drug 43 CSHCN 43 LGEN.L 43 Medigap policies 43 unreimbursed medical 43 Boorady 43 MCARE 43 NCQA rigorous 43 MinnesotaCare enrollees 43 QIS4 43 OREO write downs 43 VGLI 43 capping noneconomic damages 43 efficiency ratio teb 43 capitation 43 ICD therapy 43 malpractice judgments 43 cov erage 43 RUG IV 43 MIPPA 43 premiums deductibles copays 43 PREVU * LT 43 FHCF 43 FFY 43 premiums copays 43 FSCS levy 43 nonparticipating providers 43 Aetna Cigna UnitedHealth 43 uninsured 43 Cigna CI 43 HIG.N 43 multiemployer defined 43 nonretirement accounts 43 CEO Bruce Bodaken 43 LTCH PPS 43 BISHCA 43 Postretirement 43 HEDIS 43 guideline concordant 43 PLICO 43 HDFC Chubb 43 Radian Asset 43 PTPP 43 pocket maximums 43 excluding MYA 43 mental anguish disfigurement 43 carrybacks 43 Health insurer Cigna 43 BCBSND 43 MGL c 43 Excellent Accreditation 43 Solvency II directive 43 postretirement obligations 43 BCBSD 43 unplanned readmissions 43 Alec Vachon 43 Sherry Cladouhos 43 Specialty Admitted segment 43 Mcare 43 HMO POS 43 ProMutual 43 Medicaid reimburses 43 AmerInst 43 AutoNation 4Q 43 Medicaid reimbursement 43 charterholder 43 Fixed annuity 43 elective cosmetic procedures 43 noninsured 43 Norman CQ HealthBeat 43 PLIC 43 GeoVera 43 Millea Holdings Inc. 43 Underfunded pension 43 Whit Cornman spokesman 43 Positively impacting 43 IRFs 43 Medi Cal reimbursement 43 Underinsured Motorist 43 professional indemnity PI 43 spokesman Walt Cherniak 43 FCGH 43 deductable 43 value reductions MVRs 43 Medicare enrollees 43 h Represents 43 EOBs 43 reestimates 43 skyrocketing malpractice 43 NQF endorsed 43 Aflac AFL 43 perioperative mortality 43 CapMed Patient Portal 43 OREO valuation 43 Maximum Rollover 43 Amsurg 43 noninterest expense partially offset 43 FEHBP enrollees 43 RenaissanceRe Holdings RNR 43 PMBs 43 CASE HOSPICE SUPPLIES 43 AccessTN 43 MedPAC recommendations 43 unnecessary readmissions 43 healthinsurance 43 MPSERS 43 EPSDT 43 cap noneconomic damages 42 JCAHO accreditation 42 Understanding BCAR 42 APRNs 42 insured 42 copayment 42 NCQA Accredited 42 IRA withdrawals 42 Code Section #A 42 Supplies DMEPOS 42 OPEBs 42 Compensatory damages 42 Case persistency 42 BlueOptions 42 museum Julie Setlock 42 allowable copays 42 WellPoint 42 HDHPs 42 actuarial calculations 42 KENNEBUNK Maine BUSINESS WIRE 42 HSA HDHP 42 triglyceride concentration 42 FRS# accounting 42 Safeco SAFC 42 supplemental Medigap 42 FSCO 42 actuarial soundness 42 operating income1 42 Current Procedural Terminology 42 inforce premium 42 preventable hospitalizations 42 Slome explains 42 Ceding commission 42 colorectal screenings 42 Dirigo Choice 42 HealthFund 42 IAS# accounting 42 SCHIP enrollees 42 Chief Executive Angela Braly 42 sociodemographic factors 42 CPT coding 42 CMTPL 42 Chief Executive Jacques Aigrain 42 Preferred Provider Organizations 42 Medicare Advantage membership 42 Uncompensated 42 Solvency II Directive 42 ceded reinsurance 42 xi unanticipated 42 Workers comp 42 Walgreen 2Q 42 HSA compatible 42 laboratory technologists 42 guaranty reinsurance 42 Flexible Spending Accounts 42 HIPAA HITECH 42 USD#.#m USD#.# [002] 42 XLIF procedure 42 consultant Robert Laszewski 42 psychologists dietitians 42 cashless hospitalization 42 CHAMPVA 42 Obstetrician gynecologists 42 ICANL 42 ERISA trumps 42 insurnace 42 reinsurance recoveries 42 WCIRB 42 Medicare Advantage HMOs 42 unreimbursed 42 Provena Hospitals 42 Pss World 42 FAIR Plan 42 Claims Payable 42 accounts HRAs 42 liability CGL 42 Nebraskan opposes 42 ACCME 42 Joseph M. Zubretsky 42 Rev. Rul 42 NYSE WLP 42 Verisk Analytics Nasdaq VRSK 42 Hiscox Bermuda 42 RUGs 42 FAD variously defined 42 professional indemnity 42 noninsurance 42 HospiScript Services LLC 42 Net NYSE HNT 42 actuarially equivalent 42 obstetrics gynecological 42 Permanent Impairment 42 UAHC TN 42 ISTANBUL Deadline 42 GMDB 42 Marketform 42 TCE RWA ratio 42 postretirement 42 Revenues Premiums 42 Blue Shield PPO 42 elective orthopedic 42 b Excludes 42 DMEPOS 42 EDITOR NOTE Lauran Neergaard 42 DPAC amortization 42 REQUIREMENTS FOR INDIVIDUALS Individuals 42 AAAHC 42 Medi caid 42 FEGLI 42 reports Q3 adj 42 Van Faasen 42 IRDA norms 42 Julie Rochman spokeswoman 42 uninsured Coloradans 42 General LON LGEN 42 CGAAP 42 OBGYNs 42 Accountable Care Organizations ACOs 42 cashless mediclaim 42 FSP #-# 42 #.#-#.# bln dkr [002] 42 ConAgra Foods 2Q 42 actuarially unsound 42 Underwriting Income Loss 42 policyholder 42 affecting mortality morbidity 42 USD#.#m USD#.# per [002] 42 APB# 42 Solvency ratio 42 risksassociated 42 policyholder surplus 42 Superintendent Alessandro Iuppa 42 Manulife Financial MFC.TO 42 HSAs HRAs 41 HMOs PPOs 41 underwriting 41 uncollectible receivables 41 WellPoint Inc WLP.N 41 Insurance Reciprocal 41 reinstatement premiums 41 Eric Hammelman senior 41 Critical Illness Insurance 41 miscellaneous itemized deductions 41 dentistry optometry 41 deductible 41 disenrollment 41 reinsurance recoverable 41 amortized ratably 41 DMEPOS supplier 41 ARRA HITECH 41 CRD3 41 nonGAAP 41 EMTALA 41 Anthem ATH 41 Deductible 41 ProvenCare 41 Insurance Intermediaries AMII 41 physiotherapy chiropractic 41 SB# Requires 41 PV originations 41 Miscellaneous Manufacturing 41 WellPoint NYSE WLP 41 Skilled Nursing Facilities 41 2 wks Vac 41 Strongly Favor repeal 41 HealthChoice 41 Kt V 41 colon resections 41 MVAS gross 41 Operating Expense Ratio 41 Medigap supplemental insurance 41 compensability 41 Insurer Cigna 41 Corp. PRXL 41 Risk Retention Groups 41 Fac Re 41 actuaries 41 TFN NEWS BRIEFING Banking 41 insur ance 41 f Represents 41 ConfiDent R 41 & Healthsystem Association 41 postretirement benefit 41 Cigna Corp. CI.N 41 WholeCamels Bad sign 41 Unitedhealth Group Inc. 41 gastric imbrication 41 Unitrin Direct segment 41 URAC accredited 41 excluding reimbursables 41 Medicaid reimbursements 41 CPT codes 41 attention Shanmugarajah 41 incentive accruals 41 Assurant AIZ 41 Normalized EPS 41 Empire BlueCross 41 NCRIC 41 solvency ratio 41 Unrealized derivative 41 Aegon NV -#.# 41 nonphysician 41 uncompensated care 41 reimbursements 41 uncollectability 41 allowability 41 policyholder retention 41 somatoform disorders 41 upcoding 41 HMO enrollees 41 Omnicare OCR 41 inpatient outpatient 41 Workers Compensation Insurance 41 Syncora Capital 41 reciprocals 41 uncollectible reinsurance 41 health care 41 TennCare enrollees 41 reinsurers Swiss Re 41 HbA 1c levels 41 prescription contraceptives 41 FACT CHECK Barbour 41 multivariable adjustment 41 nonphysicians 41 WellPoint nyse WLP 41 FACTBOX Biggest 41 nonfatal occupational 41 Unfunded Liability 41 malpractice tort reform 41 Cindy Ehnes director 41 workers comp 41 PFICs 41 NSQIP 41 Robert Zirkelbach spokesman 41 European Windstorm Xynthia 41 Prohibits insurers 41 Healthcare Effectiveness 41 SBHCS 41 Infor expressly disclaims 41 CAMICO 41 excessively burdensome 41 nonworking spouses 41 capitalizable 41 ICHIP 41 CCIR Commander critical 41 MYR# #mn 41 noticeably thinner stark 41 orthopedics obstetrics 41 SCHIP Extension 41 exculpatory clauses 41 HOW MANY COVERED 41 Proposition #âÑ# 41 ambulatory surgical 41 Uncompensated Care Pool 41 Kindred Healthcare KND 41 Insurer 41 Verlan Fire 41 Title XIX 41 Assurant NYSE AIZ 41 ProSelect Insurance Company 41 ResponseDX 41 Medigap 41 comparative effectiveness 41 lien RMBS 41 Malpractice Insurance 41 Bermuda reinsurers 41 HHAs 41 deferred loan origination 41 noncash accounting 41 Reichard CQ HealthBeat 41 TREASURIES Bonds pare 41 Connective Healthcare 41 #-# mln sfr 41 MFB Corp 41 QALY 41 pay copays coinsurance 41 equity indexed annuities 41 Denti Cal 41 reinsurance Hannover Re 41 Reporting Initiative PQRI 41 endovascular aneurysm repair EVAR 41 PPD lump sum 41 posts 3rd qtr 41 Barry Straube 41 BCAR 41 Fee Schedule 41 ratios 41 Inc AET AET 41 elective cosmetic 41 #.#bn rub [005] 41 MediCare International 41 payor reimbursement 41 FOREX Dollar pares 41 ACOs 41 Inc. TSX KFS 41 sleepwear infants 41 Morbidly obese patients 41 Guardrisk 41 HCA HCA 41 chairman Glenn Hackbarth 41 confidence intervals CIs 41 TWGP 41 Michael Berelowitz 41 MIIA 41 unfunded actuarial accrued 41 Early Periodic Screening 41 Benefits EOB 41 Equity indexed annuities 41 Physician Quality 41 Excellus BCBS 41 EHR Incentive Programs 41 Capital Adequacy 41 medi cal 41 Loss severities 41 Unfunded pension 41 NAII 41 actuarially sound 41 excluding BIBP 41 Lump sums 41 lipid lowering medication 40 obstetrics pediatrics 40 McKesson NYSE MCK 40 FBL Financial 40 unnecessary hospitalizations 40 antipsychotic prescribing 40 HACs 40 FinCor Solutions 40 LTV ratios 40 annuitisation 40 Inc EMCI 40 antipsychotic Zyprexa 40 Healthgrades 40 undesignated reserves 40 BadgerCare Plus Basic 40 CPT code 40 Medicare Supplement 40 postmarket surveillance 40 PayerView Rankings 40 Miljoner 40 Medicare Set Asides 40 HCRA 40 c Reflects 40 Stephen Utkus principal 40 Bid increments 40 Comparative effectiveness 40 j Represents 40 Lindsey Spindle vice 40 persistency mortality 40 xxxi adverse tax 40 LAQCs 40 microkeratome blade 40 Rohack 40 Commonwealth Automobile Reinsurers 40 ERISA fiduciaries 40 NextRx pharmacy benefit 40 Mohit Ghose 40 Disproportionate Share Hospital 40 Medicare beneficiaries 40 Personal Injury Protection 40 AEIX 40 lifetime maximums 40 Sees FY# adj EPS 40 MICRA 40 mortgage guaranty 40 Discontinued Lines 40 Ambulatory Surgery Centers 40 staffing ratios 40 Employer Provided 40 PHRMA 40 High Deductible 40 performing obligors 40 Net HNT 40 TD Ameritrade 1Q 40 disqualifying dispositions 40 UAH #.#mn [004] 40 EBITDAO 40 Critical Illness 40 Sun Alliance RSA.L 40 Bruce Yarwood 40 thresholds indexed 40 IFRS changeover 40 RIDDOR 40 AHPs 40 COLI policies 40 FinCor Holdings 40 de minimis exemption 40 Ms. Ignagni 40 Eclipsys NASDAQ ECLP 40 Rosanne Placey spokeswoman 40 PEBB 40 disciplined underwriting 40 Medigap supplemental coverage 40 absenteeism presenteeism 40 PQRI 40 nonexempt employees 40 multivariable adjusted 40 HealthSpring HS 40 PPO HMO 40 Medicare Advantage Plans 40 HealthGate 40 minute Elderberry Facial 40 AmCOMP 40 setoffs 40 Aetna 40 Expense ratios 40 Losers outnumbered winners 40 Anthem WellPoint 40 BestWire Feb. 40 analyst Sanjay Sakhrani 40 #.#x DSCR 40 FX McCahill 40 Inc. nyse AET 40 Knightsbridge Tankers NASDAQ VLCCF 40 Aetna Wellpoint 40 Sheets PHYH developer 40 Chubb Corp CB.N 40 enrolees 40 Wellpoint 40 PFFS 40 Networks NYSE WLP 40 uninsureds 40 BOLI COLI 40 EBITD 40 Bronwyn Belling reverse 40 inpatient hospitalizations 40 Karen Ignagni president 40 Grandfathered plans 40 Cigna Corp CI.N 40 loss carrybacks 40 Incurred 40 Uninsured Motorist Coverage 40 Ben Leedle Jr. 40 analyst Matthew Borsch 40 contributions NICs 40 Abortion foes capitalize 40 Chuck Idelson 40 Zubretsky 40 Timothy Jost 40 visit www.schoolspecialty.com 40 insurace 40 Professional Liability Insurance 40 paycheck withholdings 40 nurse triage 40 QIS5 40 workman compensation insurance 40 Debt prepayment 40 SGR formula 40 ICD implantations 40 malabsorptive 40 payor mix 40 nonprescription painkillers 40 De Minimis 40 compulsory insurances 40 HIPAA privacy 40 Hartford HIG 40 multiline insurers 40 Unearned Premiums 40 NYSHIP 40 unrealized derivative 40 PEEHIP 40 ConfiDent ® 40 Expensing options 40 Earned premiums 40 Topdanmark AS 40 Variable Annuity Life 40 HB# Provides [001] 40 Travelers TRV 40 Insurance Index AMBULH 40 UAAL 40 APCapital 40 provisioning norms 40 mammograms Pap tests 40 MA PFFS 40 Associa client 40 FBD Holdings 40 Physician Groups 40 Assistance Percentage FMAP 40 OPEB expense 40 Med Supp 40 nurse practitioners physician 40 malpractice premiums 40 Increase 40 Montpelier Re MRH 40 immunizations physicals 40 FDIC indemnification asset 40 NRMP 40 Inc. Phyhealth Pink 40 CI #.#-#.# [001] 40 GARs 40 uncollectible accounts receivable 40 SMMI 40 Dr. Hicham Riba 40 lumbar spinal fusion 40 insurer Chaucer 40 Reform Act MICRA 40 Payors 40 laparoscopic appendectomy 40 OPPS 40 AWP litigation 40 affiliated hospitalists 40 readmission rates 40 Expense ratio 40 accounting rulemakers 40 INDIANAPOLIS WellPoint 40 Trigon Healthcare 40 LDL triglycerides 40 intravenous antibiotic therapy 40 Proposed Rule 40 PEHP 40 Medicare Medicaid 40 Procrit anemia drug 40 PDRP 40 oral hypoglycemic agents 40 ITIN filers 40 pap smears breast 40 ICOB 40 mediclaim 40 ambulatory settings 40 #,#,# #,#,# #,#,# #,#,# [001] 40 UnumProvident UNM 40 Sangiamo 40 Homeopathic HCG weight 40 insurer WellPoint 40 Umbrella Liability 40 Aetna UnitedHealth 40 FDG PET scan 40 Beazley syndicates 40 Lifepoint Hospitals Inc. 40 BP insurer QBE 40 ICAVL 40 Conning Research 40 Refinery utilization rebounded 40 Catastrophe losses 40 MCOs 40 NASDAQ AMSF 40 European windstorm Xynthia 40 insurance marketplace kanetix 40 Berkshire Hathaway Reinsurance 40 URAC accreditations 40 QIOs 40 pretest probability 40 Payor 40 Plan OHIP 40 Expense Ratios 40 Medical Malpractice Joint 40 MTWA testing 40 Cabreras refused 40 Wireline adjusted EBITDA 40 Uninsured motorist 40 QGIR 40 Sees FY# revs 40 medical 40 pa tient 39 SCPIE Holdings Inc. 39 LAQC 39 locum tenens physicians 39 mediclaim policies 39 insureds 39 b Relates 39 nonelderly residents 39 endodontics periodontics 39 LFQ gross 39 insurer MBIA Inc. 39 Specialty Casualty 39 Aon AOC 39 Michael Huttner conservatively 39 HSA HRA 39 underinsured motorist coverage 39 MDS Inc MDS.TO 39 actuarially sound rates 39 elective PCI 39 AVGRR 39 bariatric surgery 39 allogenic stem cell 39 across theboard 39 miscellaneous itemized deduction 39 Variable annuity sales 39 MBHO 39 CFR § #.# [006] 39 WLP 39 Aetna Anthem 39 Medicare recipients 39 Employer Sponsored 39 subpart F 39 healthcare payor 39 elective cosmetic surgery 39 Spending 39 Readmissions 39 Wiener Staedtische 39 origination volumes 39 harsh slaveowner 39 MPIG 39 Piecemeal reform 39 Bancinsurance 39 SeaBright Holdings 39 bariatric procedures 39 Understanding Universal BCAR 39 invasive diagnostic 39 Grandfathered Plans 39 Nasdaq FPIC 39 nonlife insurance 39 MedSolutions 39 Amitabh Chandra 39 Tiffany Himmelreich spokeswoman 39 Mediclaim 39 internists pediatricians 39 Triad Guaranty