1.   It also would allow state court litigation over HMO medical coverage denials that adversely affect health.

2.   She has letters from United that gave her the wrong phone number for appealing the coverage denial and contradicted themselves in explaining it.

3.   The Democratic bill would have changed federal law to permit patient lawsuits in state court when health plan coverage denials caused injury or death.

4.   The issue of coverage denial drives the liability debate.