21.   Advocates for substance abuse coverage are pushing for national legislation barring insurance plans from imposing stricter limits on addiction treatment than for other medical services.

22.   After three years with a clean driving record, CAARP clients can move from the CAARP program to another less expensive insurance plan.

23.   All insurance agents and brokers must be licensed by the state, and since last year CAARP has certified agents that sell its insurance plans.

24.   Also, the rise of contract work is pushing many people who work full time out of insurance plans.

25.   Both HMOs and traditional insurance plans are negotiating with hospitals to get lower rates for their patients.

26.   But a growing number of studies indicate that many patients take longer to recover than the length of time provided by the typical insurance plan.

27.   Bush has proposed a wide-ranging overhaul of Medicare that would try to coax many recipients into government-subsidized private insurance plans that include prescription drug benefits.

28.   But as loudly as he championed his own ideas, McGreevey derided the auto insurance plan put forward by his Republican opponent.

29.   But officials and dentists at managed-care dental plans say that the quality is comparable to other insurance plans.

30.   But the governor ought to make the same demands of the fee-for-service insurance plans preferred by doctors.