Insurance companies took premium dollars and went out and advertised against the best interests of their patients.

Insurance companies will compete for their premium dollars.

Just three years ago, he said, drugs took 12 cents of the premium dollar and hospitalization 22 cents.

Less than half of these premium dollars ever get to injured patients; almost 60 percent of them go to lawyers, insurers and the courts.

The Colts had a history of not paying premium dollars for market value.

The managed care formula, whether per visit or per patient, pays the physician 8 percent of the premium dollar to do all this work.

Oxford also predicts an increase in its medical-loss ratio, an industry benchmark that tells how much of the premium dollar is actually spent on patients.

Moreover, only 70 percent to 75 percent of health maintenance organizations' premium dollars go to benefits.

Now that premium dollars dare not increase any more, the profit of the insurance companies must come from cost containment.

"And the difference is thousands of premium dollars each year."