11.   Both companies deny any wrongdoing and say they have scrupulously followed guidelines from the insurance department on computing premiums.

12.   But after the insurance department came down on them, they found ways to plan after all.

13.   But insurance officials say the companies were inflating the numbers and telling the insurance department that more members were using non-HMO services than was actually the case.

14.   But the pharmacists argue that the drug benefit managers are large and complex organizations, which should be licensed by state pharmacy boards and supervised by state insurance departments.

15.   California builders would like the insurance department to adopt a similar system of discounts for homes meeting new earthquake codes.

16.   Call your state insurance department and ask where your insurance company ranks on the list of complaints.

17.   Cooper could not say whether the insurance department is questioning the changes.

18.   Currently, the association compiles data supplied by state insurance commissioners about regulatory action taken by insurance departments in each state.

19.   For one thing, fully accredited plans have nonetheless accumulated a fair number of complaints at state insurance departments.

20.   He finally appealed to the insurance department, which investigated the case and wound up siding with him.