1.   A larger state-funded program serves seniors in Broward County.

2.   HMOs were allowed into the Medicare market only recently, when lawmakers became convinced that they could serve seniors at less cost.

3.   Intergroup is the only HMO serving seniors in rural counties, and it has trimmed its benefits.

4.   It would force many doctors to stop serving seniors altogether.

5.   Technically, every HMO serving seniors must provide exactly the same benefits that Medicare gives.