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administrative American Journal Annual benefits Bill Blue Cross Blue Cross-Blue Shield Board cent clinics Committee consumer contracts corporation costs coverage covered delivery system Department Director doctors East Nassau employees enrollees enrollment expenses facilities factors fee-for-service fees funds Greater New York Group Health Association Group Health Cooperative group practice plans H.M.O. Services Harvard Harvard Law Review health care delivery health insurance Health Insurance Plan Health Maintenance Organization Health Plan Health Services hospital Ibid income insurance companies Interview Journal of Public Kaiser-Permanente marketing Medicaid Medical Care Program medical center medical services Medicare medicine membership nursing operation organizational partners Partnership patient payments Permanente personnel physicians Plan of Greater policies premium prepaid group practice prepayment Prepayment Plans Public Health rates Regional Medical Groups Report responsible Rhode Island Ross-Loos Medical Group Roy Bill Somers staff subscribers union