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(Click for frequent words.) 68 Medicare HMO 67 Medicare Advantage 65 Medicare recipients 62 Medicaid enrollees 62 HMOs 62 Medicare 62 Medicare Advantage Plans 61 Medigap policies 60 HMO 59 Medicaid 59 HDHPs 58 Medi Cal 58 MediCal 58 Maintenance Organizations 58 Medicaid recipients 58 Medicare beneficiaries 57 RIte Care 57 Healthy Families Program 57 enrollees 57 Medi Cal beneficiaries 56 PFFS plans 56 Preferred Provider Organizations 56 DirigoChoice 56 MinnesotaCare 56 NJ FamilyCare 56 Medicare prescription 56 AdultBasic 56 Denti Cal 55 copayments 55 FEHBP 55 MediGap 55 Medicare enrollees 55 Secure Horizons 55 CDHPs 55 Medigap 55 uninsured Coloradans 54 HSA enrollees 54 Medi Cal Healthy Families 54 Medicare Advantage enrollees 54 uninsured 54 CalOptima 54 Dr. Dynasaur 54 FEHB 53 BadgerCare Plus 53 Medicare Advantage HMO 53 PPOs 53 HSAs 53 Medicare Advantage PPO 53 Medi Cal recipients 53 accounts HSAs 53 Hoosier Healthwise 53 Medi Cal reimbursements 53 Dual eligibles 53 HMO PPO 53 SCHIP 53 FamilyCare 53 AHPs 53 Medicaid HMO 53 AccessTN 53 MassHealth 53 ConnPACE 53 HSA HDHP 53 Medically Needy program 52 Program FEHBP 52 prescription drug 52 BadgerCare Basic 52 copays 52 nongroup 52 PCIP 52 SCHIP enrollees 52 BadgerCare Plus Core 52 LaCHIP 52 AARP MedicareRx Preferred 52 Medicare Part 52 HMOS 52 uninsured Marylanders 52 Avalere estimate 52 S CHIP 52 IowaCare 52 MediCare 51 Medicade 51 organizations MCOs 51 Medically Needy 51 Medicare donut hole 51 Dirigo Choice 51 insurers 51 High Deductible 51 copays deductibles 51 HealthFund 51 Elderly Pharmaceutical 51 HealthWave 51 HMO POS 51 HealthChoices 51 Medigap supplemental insurance 51 Medigap insurance 51 Copayments 51 Vista Healthplan 51 Keiki Care 51 CDHP enrollees 51 FQHCs 51 GAMC enrollees 51 CoverTN 50 PPO HMO 50 NYSHIP 50 FAIR Plan 50 CeltiCare 50 PacAdvantage 50 PACE PACENET 50 BlueChoice 50 Mastercard Visa accepted 50 uninsureds 50 MCOs 50 KidCare 50 TennCare recipients 50 HDHP 50 PBMs 50 HMO enrollees 50 CDHP 50 HUSKY 50 medigap 49 uninsurables 49 Preferred Provider Organizations PPOs 49 MO HealthNet 49 Humana Medicare Advantage 49 Insure Montana 49 PEEHIP 49 Medigap supplemental coverage 49 Teachers Defined Contribution 49 Medicare Advantage beneficiaries 49 Medi Cal reimbursement 49 PAAD 49 MassHealth Basic 49 HealthChoice 49 Enrollees 49 Copays 49 Medicare Prescription Drug 49 Empire BlueCross 49 Medically Needy Program 49 AHCCCS 49 Peachcare 49 Polk HealthCare 49 supplemental Medigap 49 Healthy Families 49 Blue Shield PPO 49 capitated 49 WellCare 49 HMOs PPOs 49 PLADs 49 COLA freezes 49 NCQA accredited 49 PEBB 48 mini med 48 SilverScript 48 SeniorCare 48 Medicare Advantage HMOs 48 AARP MedicareRx Saver 48 SHIPs 48 enrolees 48 Prescription Discount 48 SoonerCare 48 copayments deductibles 48 lifetime maximums 48 healthinsurance 48 BCBSM 48 KCHIP 48 prescription contraceptives 48 Prescription Drug Discount 48 Medigap coverage 48 SecureHorizons 48 adultBasic enrollees 48 COBRA subsidies 48 ICHIP 48 Prescription Advantage 48 Med Supp 48 FEHBP enrollees 48 formularies 48 dental PPO 48 PHCS Network 48 PACENET 48 uninsurance 48 Blue MedicareRx 48 Kidcare 48 EUTF 48 colon cancer screenings 48 FCHP 48 Anthem WellPoint 48 NCQA Accredited 48 HRAs 48 BadgerCare 48 TRICARE Prime 48 nonparticipating providers 48 Medicare reimbursements 48 MaineCare 48 Florida KidCare 48 Medicare Medicaid 48 CDHC 48 Flexible Spending Accounts FSAs 48 malpractice premiums 48 copay 48 VHAP 48 Prescription Drug Benefit 48 CaliforniaChoice 48 HoosierRx 48 adultBasic 47 deductibles copayments 47 MESSA 47 childless adults 47 deductibles 47 deductible coinsurance 47 BlueMedicare 47 uninsured underinsured 47 UnitedHealthcare 47 TennCare 47 colorectal cancer screenings 47 Flexible Spending Accounts 47 Medicare enrollee 47 Tenncare 47 UnitedHealth 47 Mo HealthNet 47 premiums copays 47 ARKids First 47 KidCare enrollment 47 Denali KidCare 47 unsubsidized COBRA 47 SCHIP eligibility 47 Aetna Specialty Pharmacy 47 Tricare Prime 47 dual eligibles 47 Supplemental Nutritional Assistance Program 47 BlueOptions 47 nonsubsidized 47 RIPAE 47 premiums 46 IHSS recipients 46 PFFS 46 Medicare Beneficiaries 46 CoverKids 46 TennCare rolls 46 medicaid 46 CoverColorado 46 Medicare Advantage Prescription Drug 46 Blue Shield HMO 46 HealthMetrix Research Inc. 46 Hoosier Rx 46 nonhospital providers 46 Badgercare 46 voluntary prekindergarten 46 UnitedHealthCare 46 cervical cancer screenings 46 pocket maximums 46 deductibles copays 46 BlueCare 46 KidsCare Parents 46 Ms. Ignagni 46 premiums deductibles 46 EPSDT 46 WAEPA 46 FamilyWize 46 PPO 46 Aetna Medicare Advantage 46 Carbofed products 46 young invincibles 46 Elderplan 46 UNICARE 46 Health Savings Accounts 46 Excellus 46 UnitedHealthOne 46 PCMH model 46 Colorectal cancer screening 46 skyrocketing malpractice 46 Medi caid 46 disenrolling 46 HOW MANY COVERED 46 Deductibles 46 CHIP 46 Aetna 46 Alliance CompleteCare 46 Coverage EPIC 46 SBHCs 46 preexisting conditions 46 Lumenos 46 Medicaid reimbursements 46 BadgerCare Plus Basic 46 coinsurance 46 medically indigent 46 TennCare enrollees 46 Blue Cross 46 underfunds Medicaid 45 Caremark pharmacy 45 CASE HOSPICE SUPPLIES 45 nonhospital 45 medically needy 45 HSA compatible 45 Prepaid Tuition 45 CareHere 45 MaineCare recipients 45 Cigna HealthCare 45 SeniorCare prescription 45 Avalere analysis 45 homecare providers 45 Humana NYSE HUM 45 nonelderly 45 BCBSIL 45 Flexible Spending Account 45 Drugstore chains 45 Cariten 45 RxAmerica 45 Cigna 45 PEBTF 45 Malpractice premiums 45 PeachCare 45 PEBP 45 covering elective abortions 45 Partnership HealthPlan 45 TriCare 45 UCare 45 Medicare Supplement 45 MedicareAdvantage 45 uninsured Tennesseans 45 Tuition Tax Credits 45 Health Reimbursement Accounts 45 Plan HDHP 45 PHOs 45 Childhood immunization 45 Prescription Advantage Program 45 HSAs HRAs 45 Vioxx prescriptions 45 SSI SSP 45 Aetna PPO 45 lowincome families 45 bariatric surgeries 45 uninsured Pennsylvanians 45 RX Acculink 45 Health Plans HDHPs 45 enrollee 45 formulary 45 Disability Lifeline 45 MassHealth Medicaid 45 PacificSource 44 MAHP 44 Prescription Drug Costs 44 ScriptSave 44 Ingenix OptumHealth 44 Medicaid DSH 44 Community CCRx 44 Medicaid BadgerCare 44 Health Savings Account 44 ob gyns 44 EdChoice 44 federally subsidized 44 Aetna Anthem 44 Medicare reimburses 44 poorer Washingtonians 44 Humana nyse HUM 44 PPO POS 44 Underinsured 44 Rx Card 44 Cigna 4Q Profit 44 QIOs 44 HEALTH INSURANCE Self 44 Medicare reimbursement 44 Employer Sponsored Health 44 copayment 44 MediKids 44 reimbursement arrangements HRAs 44 MyRate 44 Elective abortions 44 Averde 44 Pharmacare 44 Medicare Rx 44 insurer Cigna 44 KidsCare 44 Schip 44 SustiNet 44 medically uninsurable 44 Caremark 44 mediclaim policies 44 MedPAC recommendations 44 health care 44 WEA Trust 44 drug reimportation 44 WellPoint 44 Aetna HealthFund 44 SilverSneakers fitness 44 Medicare Advantage premiums 44 TRICARE beneficiaries 44 Secure Horizons Medicare Advantage 44 Medicaid reimbursement 44 FAMIS 44 capitation 44 insurer UnitedHealthcare 44 Seguro Popular 44 Dual Eligibles 44 MRMIB 44 WellPoint WLP 44 SUNRx 44 Care GAMC 44 Opportunity Scholarships 44 Lumetra 44 Rescissions 44 BestHealthcareRates.com 44 CalWORKS welfare 44 Insure Oklahoma 44 accounts HRAs 44 Innovent Oncology 44 Humana 44 FHCP 44 Checkout PayPal 44 insurance 44 BadgerCare Core 44 ProvenCare 44 Slome notes 44 HealthPlus 44 Promise Scholarships 44 Tricare 44 noninsured 43 Advantra Freedom 43 Scandlen 43 UniCare 43 cyberschools 43 HealthAmerica 43 COBRA subsidy 43 Aetna AET 43 Retiree Drug 43 underfinanced pension 43 SFHP 43 spokesperson Peter Ashkenaz 43 COBRA premiums 43 FQHC 43 Provider Synergies 43 workers' comp 43 ADAPs 43 BEN E LECT 43 Special Needs Plans 43 multiemployer plans 43 FutureCare 43 NJBEST 43 BlueChoice R 43 MAMSI 43 gainsharing 43 Pacificare 43 Uninsured 43 Tricare beneficiaries 43 Medicare Advantage PFFS 43 Drug Benefit 43 ikaEnterprise 43 Managed Care 43 AmeriHealth Mercy 43 CARExpress 43 CHAMPVA 43 bandits shoving 43 IndyMac depositors 43 Unicare 43 ISMIE 43 welfare caseloads 43 Regence Blue Shield 43 LITE UP Texas 43 E Prescribing 43 Homestead Rebates 43 Aetna Wellpoint 43 HEALTH INSURANCE Individuals 43 Preferred Provider Organization 43 deductibles coinsurance 43 Norman CQ HealthBeat 43 MCare 43 PBGF 43 LTCi 43 Pharmacy Benefit 43 UnitedHealthcare Ovations 43 CHANGES TO MEDICAID 43 Dirigo Health 43 Prescription Drug Program 43 Education 43 PEHP 43 SmartSuite 43 Californians foretells skyrocketing 43 MDVIP 43 Dr. Plested 43 YOUR HEALTH INSURANCE 43 wide receiver Kenbrell Thompkins 43 CalFresh 43 Workers Compensation Insurance 43 FSAs HRAs 43 Employer Sponsored 43 actuarially sound 43 PacifiCare 43 PSNs 43 Insure Missouri 43 chronically ill Medicare beneficiaries 43 restrictive formularies 43 SenioRx 43 Coverdells 43 SelectHealth 43 Autism Waiver 43 HealthCare.gov 43 Excellent Accreditation 43 Treatment EPSDT 43 Blue Shield 43 HECM Standard 43 frivolous malpractice lawsuits 43 AultCare 43 Extras Packages 43 Navitus 43 Physician Groups 43 Highmark Blue Shield 43 Average SAT scores 42 Choices HMO 42 Mcare 42 SelectCare 42 Aexcel 42 Disproportionate Share Hospital 42 Medicare Modernization Act 42 preventive screenings 42 CareOregon 42 FACT CHECK Barbour 42 rescissions 42 FEGLI 42 PBM 42 PharmaCare 42 Minnesota RxConnect 42 Kaiser Permanente HMO 42 TRICARE 42 prescription drugs 42 ARKids 42 Choice PPO 42 CarePlus 42 FFEL 42 ehealthinsurance.com 42 malpractice insurance 42 require preauthorization 42 Americhoice 42 ikaSystems 42 MinnesotaCare enrollees 42 MedPac 42 Joffe Halpern 42 Medco PLAN 42 comparative effectiveness 42 WageWorks 42 PHRs 42 Social Security COLA 42 Generic Prescription Drug 42 doc fix 42 ACOs 42 Eileen Mallow 42 Express Scripts Caremark 42 Dick Cauchi 42 Prescription Assistance Programs 42 Coverdell ESAs 42 Primary Care Physician 42 Affordable Care 42 Poverty Level 42 Excellus BCBS 42 Primary Care Providers 42 medically underserved communities 42 Copay 42 PEIA 42 Regence BlueCross 42 HDHP HSA 42 Medication Therapy Management 42 actuarially equivalent 42 prescribing Vytorin 42 Devon Herrick 42 Medicare eligibles 42 Ingenix database 42 RegenceRx 42 federally subsidized lunches 42 Fidelis Care 42 Wellpoint 42 Belshé 42 Reichard CQ HealthBeat 42 antipoverty programs 42 HealthCare Foundation 42 BlueChoice HealthPlan 42 Disproportionate Share 42 DMEPOS suppliers 42 insurees 42 BenefitsCheckUp 42 D Prescription Drug 42 Metcare 42 OSF HealthPlans 42 Medicaid Waiver 42 Assistance Programs ADAPs 42 COBRA coverage 42 MedicareRx 42 UnitedHealth Group 42 BadgerCare Plus enrollees 42 MediShield 42 Unsuspecting passengers 42 Medicaid caseloads 42 CVS Caremark 42 IBNR levy 42 Health Reimbursement Account 42 SynerMed 42 CareCredit 42 APPRISE 42 virtual colonoscopies 42 Hurricane Catastrophe Fund 42 Excellus BlueCross BlueShield 42 Coordinated Care 42 Rx Outreach 42 Posterior Tibial Nerve Stimulation 42 HealthPlan 42 AmeriPlan 42 DestinationRx 42 HumanaDental 42 generic Zocor 42 BCBSMT 42 IBCCP 42 VPI Pet Insurance 42 Flu vaccinations 42 stakeholder pensions 42 HealthPartners www.healthpartners.com family 42 Low Mileage Discount 42 Stakeholder pensions 42 Hardest Hit Fund 42 ObamaCare 42 MemberHealth 42 ROCKY MOUNTAIN NURSES HOME 41 Hometown Heroes Survivors 41 GAMC 41 Health Reimbursement Arrangements 41 Prescription Drug Coverage 41 CCRx 41 screening colonoscopies 41 BCBSMA 41 FHCE 41 dreaded donut hole 41 insurance premiums 41 overbilled Medicare 41 consultant Robert Laszewski 41 ActiveHealth 41 Cigna Healthcare 41 Medi cal 41 CIGNATURE Rx 41 Walgreens pharmacists 41 Saver Credit 41 Home Affordable Refinance 41 Health Reimbursement Arrangement 41 Prescriptions dispensed 41 LTACs 41 HMSA 41 policyholders 41 MEDICARE 41 disenroll 41 antiretroviral treatments 41 NBCCEDP 41 HealthAssurance 41 Univera Healthcare 41 PersonalCare 41 HealthNow 41 Prescription Drug Plan 41 AAHP HIAA 41 preexisting condition 41 VBID 41 copayments coinsurance 41 insurer Cigna Corp. 41 CAM therapies 41 IRA withdrawals 41 calling #-#-MEDICARE 41 website healthcare.gov 41 Healthplan 41 shriveling wages 41 Rx4NJ 41 Medishield 41 Tangerine Brigham 41 Grandfathered plans 41 AmeriChoice 41 subsidized COBRA 41 progressive indexing 41 ProviderOne 41 Periodic Screening Diagnosis 41 Prescription Drug Plans 41 Bethlehem Steel retirees 41 PriceDoc.com 41 CalWorks 41 CalWORKS 41 wealthier Medicare beneficiaries 41 locum tenens physicians 41 repealers already 41 DenteMax 41 EHR Incentive Program 41 Drug Assistance Program 41 Inc. PointSure 41 Reimbursement Rates 41 FSAs HSAs 41 SmartChoice 41 Allstate Floridian Indemnity 41 GMWB 41 F SHRP 41 UnitedHealth UNH 41 SunCoast RHIO 41 AMERIGROUP Corporation 41 Long Term Disability 41 MedAmerica 41 commercial HMO POS 41 CollegeBoundfund 41 Marylyn Kish turns 41 FamiliesUSA 41 Laszewski 41 overdraft protection 41 donut hole 41 AvMed Health 41 MetCare 41 Medi CareFirst 41 DMHC 41 PBGC insures 41 inpatient hospitalization 41 CIGNA HealthCare 41 Keystone STARS 41 BeneCard 41 MCARE 41 generic simvastatin 41 insurer CareFirst BlueCross 41 BlueCross 41 Amedisys AMED 41 voluntary desegregation 41 Prescribed Drugs 41 WisconsinCare 41 MinuteClinics 41 nonpreferred 41 Ingenix 41 Supports CLASS Act 41 Pallone DN.J. 41 HPHC 41 Slome explains 41 ineligible dependents 41 Insurance NHI 41 Fish Parcham 41 MHIP 41 donut hole gap 41 generic drugs 41 categoricals 41 COBRA continuation 41 SNFs 41 Avalere Health consulting 41 nonprofit co ops 41 SCHIP reauthorization bill 41 Keystone Mercy 41 Richard Cauchi 41 CHAMPUS 41 CMU Promise 41 benefit managers PBMs 41 nonpoor 41 BCBSA 41 Aetna Humana 41 PayFlex 41 Aetna Cigna 41 MedCost 41 CQ HealthBeat reports 40 Medicare Special Needs 40 dose Mevacor 40 Member Satisfaction 40 Premera Blue Cross 40 Chamber BlueOptions 40 Sallie Hillmon 40 PBGH 40 food stamps 40 BenefitsCheckUp ® 40 BlueShield 40 politically sacrosanct 40 ILLEGAL IMMIGRANTS Would 40 Trigon Healthcare 40 AARP MedicareRx Plan 40 AmWINS Group 40 WellPoint Anthem 40 Accountable Care Organizations 40 colorectal screening 40 wealthiest Californians 40 FSAs 40 HMO Kaiser Permanente 40 allowable copays 40 Medicare Beneficiary 40 HEALTH INSURANCE 40 socialized medicine 40 medically underwritten 40 SHINE counselors 40 outlier payments 40 General Assistance Unemployable 40 Planned Parenthood clinics 40 Cigna CI 40 Lifeline Assistance 40 mobile centrics 40 Shana Alex Lavarreda 40 WorkFirst 40 sickest enrollees 40 pharmacies 40 overinsured 40 Cervical Cancer Early 40 spokeswoman Rosanne Placey 40 Insurance SSDI 40 Mercy CarePlus 40 ConfiDent ® 40 Ignagni 40 ATM surcharges 40 nonsurgical treatments 40 CIGNA Healthcare 40 Affordable Care Act 40 Medicare.gov 40 checkups immunizations 40 UnitedHealthcare Humana 40 BlueCard 40 Wellcare 40 Prescription Drug Assistance Program 40 ALEC Freedom 40 Envision Pharmaceutical 40 Humana HUM 40 COX 2s 40 BCBSNC 40 dually eligible 40 Sustinet 40 Wealthier tribes 40 Robert Zirkelbach 40 Benepath 40 Program HICAP 40 Highmark 40 sickest patients 40 Medicaid EHR Incentive 40 Oregon Regence BlueCross 40 MEDICAID 40 single payer 40 GAMC recipients 40 Pre Existing Condition 40 CalWorks welfare 40 Complete Compassionate Care 40 Home Supportive 40 Wellcare Health 40 nonworking spouses 40 Fit Choices 40 medicare.gov 40 TANF caseloads 40 inpatient surgeries 40 StayWell 40 Mohit Ghose 40 WIC Women Infants 40 retirees 40 PlanSmartChoice 40 e prescribing 40 burgeoned doubling 40 Pooled Registered Pension Plan 40 nonresident undergraduates 40 GHI HMO 40 reimporting drugs 40 Jason Helgerson 40 Net NYSE HNT 40 federally funded Head Start 40 WellCare Health 40 Ternian 40 Rosanne Placey spokeswoman 40 insurer 40 Tax 40 voluntary prekindergarten program 40 Companion HealthCare 40 POHs 40 overbilling Medicare 40 celestial sightings 40 Coverdell Education Savings Accounts 40 WellPoint NextRx 40 Arcadian Health 40 VIVAS Health 40 SilverSneakers ® 40 Owcharenko 40 Aetna NYSE AET 40 insurace 40 Tuition Assistance Program 40 PacifiCare Health 40 HSA 40 Benefits Program FEHBP 40 LifeWise 40 WellPoint NYSE WLP 40 nonelderly residents 40 nonhealth 40 TriZetto Facets 40 Centering Pregnancy 40 PCCM 40 MedVantx 40 Uncompensated care 40 Health OTCBB NHPR 40 myCIGNA.com 40 reimbursements 40 Cost Containment 40 Early Retiree Reinsurance 40 HealthCompare 40 SilverSneakers 40 PPOs HMOs 40 nonphysicians 40 VGLI 40 Anthem ATH news 40 STAR Rebate 40 DailyMed ™ 40 Medtipster 40 stomach stapling surgeries 40 sicker 40 Donated Dental Services 40 Performance P4P 40 Premiums 40 CalWORKs 40 Retirement Accounts 40 Head Start grantees 40 CVS Caremark Corp 40 GeorgiaCares 40 Coinsurance 40 eHealth eOD platform 40 Regence 40 AMERIGROUP 40 uninsured San Franciscans 40 pharmacare 40 guaranty associations 40 inpatient psychiatric 40 prescribe buprenorphine 40 CDPHP 40 Ziarul Financiar va 40 IHSS 40 PacificCare 40 Univera 40 noncitizen immigrants 40 Carey CQ HealthBeat 40 SeeChange Health 40 Maximum Rollover 40 subsidiaries Unum 40 HOW YOU CHOOSE YOUR 40 Tifanny Owens 40 HME providers 40 Elderly PACE 40 Removing menthol cigarettes 40 Robert Laszewski 40 nursing homes 40 nonelderly adults 40 Morgan Stanley Healthcare Payor 40 medicare 40 Voluntary Pre Kindergarten 40 PSOB 39 PTNS therapy 39 deductible IRAs 39 BCBS 39 Most 39 Together Rx 39 CAHs 39 Catalyst Rx 39 Avalere 39 Advantica EyeCare 39 MDwise 39 Temporary Disability 39 undergo bariatric surgery 39 ADAP 39 Centene Corp. 39 Citizens Property 39 preretirement 39 Vivius 39 Plan OHIP 39 Many 39 Rx 39 Accident Forgiveness 39 Kentucky Homeplace 39 limiting noneconomic damages 39 Alan Glickstein 39 CARExpress Plus 39 Kalamazoo Promise scholarship 39 PlanPrescriber 39 Idaho Regence BlueCross 39 BCBSND 39 www.Medicare.gov 39 RelayHealth 39 Coverdell accounts 39 CareCentrix 39 BCBSTX 39 elective abortions 39 SilverSneakers Fitness Program 39 MPSERS 39 EHR Incentive Programs 39 phosphorus laundry detergent 39 nonmilitary discretionary 39 OptumHealth Behavioral Solutions 39 OHIP 39 economist Gail Wilensky 39 boomer retirees 39 universal prekindergarten 39 blog Heavy Doses 39 malpractice tort reform 39 need costly MediGap 39 Skilled Nursing Facilities 39 Medicare Advantage Special Needs 39 Insurers 39 Program CHIP 39 Certified nurse midwives 39 Override opponents 39 nonemployer firms 39 Employment Program SCSEP 39 Physician Payment 39 Humana Aetna 39 Salud Para La Gente 39 IPAs 39 Lambrew 39 Novation VHA 39 RRGs 39 Voluntary Prekindergarten 39 PELL grants 39 MAWD 39 Defined contribution 39 Medical Malpractice Insurance