11.  Doctors would be free to discuss all treatment options with patients, regardless of whether the treatments were covered by a health plan.

12.  Empire Blue Cross-Blue Shield spokeswoman Deborah Bohren said the decision about whether in vitro treatment should be covered by insurance is a financial one made by employers.

13.  Equal treatment of mental illnesses would ensure that once a patient overcomes the stigma of these disorders and seeks help, the treatment would be covered by insurance.

14.  Even an insurer who refuses to cover fertility treatments will pay for a complicated birth.

15.  Find out ahead of time whether their health insurance will cover treatment outside the United States.

16.  Few insurance companies cover eating disorder treatments, which can cost hundreds of thousands of dollars.

17.  Gov. George Pataki has never publicly supported a mandate that insurers cover infertility treatments, and his aides say they do not even know his position on the idea.

18.  He added that the jury was never told that Goodrich had a second insurance policy through his wife that covered his treatment.

19.  Insurance companies often will not cover obesity treatment, she said.

20.  Insurance generally does not cover the treatment, and physicians caution children and pregnant women not to use it.