91.   Last week Gov. Paul Cellucci proposed to replace it with a state-subsidized pharmacy insurance plan available to all Bay State elders.

92.   Last December, Pines opposed a Blue Cross reorganization that would have cut loose its Medicare supplemental insurance plan, with possibly devastating consequences for the elderly.

93.   Like insurance plans, Social Security benefits are based on actuarial averages.

94.   Likewise, many insurance plans cover fewer visits to a doctor, and fewer days in a hospital, when the patient has a mental illness.

95.   Likewise, many insurance plans cover fewer visits to a doctor, and fewer days of hospital care, when patients are treated for mental illness.

96.   Many companies accept business only from people affiliated with large insurance plans, generally offered by a corporation.

97.   Medical entrepreneurs like to dream of how the field could be even bigger if it were as widely covered by insurance plans here as elsewhere.

98.   Medicare will give the beneficiary the difference between the cost of that insurance plan and the average amount Medicare spends in that geographic area.

99.   Medicare beneficiaries could choose different insurance plans.

100.   Moreover, the two HMOs that pay doctors for every visit rather than a monthly cap also pay rates competitive with commercial insurance plans.