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Search by topic:   10540. INSURANCE COSTS, COLLECTIVE BARGAINING, AND EMPLOYERS. Discusses techniques used by companies to cap medical costs: HMO's, manipulating workman's compensation claims and disability insurance claims, "cafeteria" plans. Strategies for employees aimed at maximizing their health care dollar are discussed, as are possible national policies which would lower health care costs. 6 pages, 14 footnotes, 5 bibliographic sources.   $42 Copyright 2002 Academic Research Papers Associate Term Paper Sites: Academic Research Papers Academic-Research-Papers Research Central Term Paper Assistance