What tends to drive coverage is good science about the effectiveness of particular treatments. When we get information that suggests that particular approaches are effective in treating obesity, when there's proof they work, then those services will be covered.
If there's a threat of going to state court every time there's a question about the scope of coverage for an individual, then health care could very well become unaffordable for many employers and many more consumers.
It's not lack of competition. In fact, we have a very, very highly competitive marketplace. Our members compete like mad. In most markets, there are a variety of plans and products to choose from.
We think the New Jersey law is too broad and may have unintended consequences, making coverage for those who are part of employer groups more expensive.
HMOs cover more in terms of benefits, their premiums are lower and they require less in the way of out-of-pocket costs for patients.