11.   U.S. President Bill Clinton will today endorse the work of an advisory commission as a framework for legislation to increase consumer control over health coverage decisions by insurers.

12.   U.S. President Bill Clinton called on Congress to pass legislation this year that would increase consumer control over health coverage decisions by insurers.

13.   Who should make these coverage decisions?

14.   A lawsuit filed Monday against Humana Inc. accuses the health maintenance organization of misleading members about how it makes coverage decisions.

15.   For instance, members will now be able to appeal drug coverage and emergency room coverage decisions.

16.   This spring, Illinois lawmakers approved legislation that gives HMO customers more rights in challenging coverage decisions and getting emergency treatment.

17.   Wisconsin joins more than a dozen states that provide patients with independent review of coverage decisions.

18.   While health plans still make coverage decisions, they should actively solicit and promote physician involvement in decisions that affect patient care, the guidelines say.