31.   Seniors will pay less for preventive care, more for a maintenance plan, and even higher for a policy that covers treatments for an existing condition.

32.   Some firms have instituted provisional coverage, allowing men to obtain a certain number of pills until company officials decide whether to cover the treatment permanently.

33.   Some insurance plans specifically say they cover some treatments.

34.   Some states are even considering legislation that would require insurance companies to cover treatments by licensed massage therapists.

35.   Swope, a maintenance worker at the John Deere Co., said his union insurance would cover drug treatment.

36.   That bill would have given patients new powers when fighting insurers to cover medical treatment.

37.   The cost is prohibitive for the uninsured and those whose insurance companies will not cover the treatment.

38.   The insurer told Wurzbacher in telephone conversations that it was changing the manner in which it covered his treatment, Sparks said, which resulted in the reduced payments.

39.   The law does not specifically cover pain treatment, a controversial area of medicine because many of the drugs are prone to misuse and can be addictive.

40.   Two years ago, Mutual of Omaha began covering the treatment.