1.   An adorable baby fills the screen as the doctor plugs the long-term relationships Kaiser claims to foster between physicians and plan members.

2.   And as the insurers changed their products to try to attract plan members, they dropped many of the restrictions that kept costs in check.

3.   And health plan members are demanding expensive drugs, stimulated by billion-dollar ad campaigns by drug companies.

4.   Because of its diminished obligations from shedding the former plan members, the original Massey-Ferguson employee benefit plan was in fact stronger than ever.

5.   A new batch of lawsuits accuses six big managed care companies of misleading health plan members.

6.   But any claims by the policyholders and pension plan members were to be paid first.

7.   Consumer groups warn that growing numbers of uninsured people could accelerate a trend already under way of shifting costs from health plans to elderly and sick plan members.

8.   Glasscock contends that plan members are often unaware of the business status of their health plan.

9.   It chose the latter, deciding against any changes that would affect plan members.

10.   It blamed higher costs for drugs dispensed to its plan members.