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COMMERCIAL HEALTH AND ACCIDENT
INSURANCE INDUSTRY



HEARINGS

BEFORE THE

SUBCOMMITTEE ON
ANTITRUST AND MONOPOLY

OF THE

COMMITTEE ON THE JUDICIARY
UNITED STATES SENATE

NINETY-SECOND CONGRESS

SECOND SESSION



PART lA

PURSUANT TO S. RES. 256, SECTION 4



MAY 10 AND 11 AND JUNE 6, 7, AND 8, 1972



Printed for the use of the Committee on the Judiciary




U.S. GOVERNMENT PRINTING OFFICE
90-319 WASHINGTON : 1973



PtJA



(



For sale by the Superintendent of Documents

U.S. Government Printing Office, Washington. D.C. 20402

Price $4.05 domestic postpaid or $3.50 GPO Bookstore

Stock Number 6270-01813

I^OHTHEASTERf? m^^i SCHOOl of l^ LIBRARY



COMMITTEE ON THE JUDICIARY

JAMES O. EASTLAND, Mississippi, Chairman



JOHN L. McCLELLAN, Arkansas
SAM J. ERVIN, Jr., North Carolina
PHILIP A. HART, Michigan
EDWARD M. KENNEDY, Massachusetts
BIRCH BAYH, Indiana
QUENTIN N. BURDICK, North Dakota
ROBERT C. BYRD, West Virginia
JOHN TUNNEY, California



ROMAN L. HRUSKA, Nebraska
HIRAM L. FONG, Hawaii
HUGH SCOTT, Pennsylvania
STROM THURMOND, South Carolina
MARLOW W. COOK, Kentucky
CHARLES McC. MATHIAS, Jr., Maryland
EDWARD J. GURNEY, Florida



Subcommittee on Antitrust and Monopoly
PHILIP A. HART, Michigan, Chairman



JOHN L. McCLELLAN, Arkansas
SAM J. ERVIN, Jr., North Carolina
EDWARD M. KENNEDY, Massachusetts
JOHN TUNNEY, California



ROMAN L. HRUSKA, Nebraska
HIRAM L. FONG, Hawaii
STROM THURMOND, South Carolina
EDWARD J. GURNEY, Florida



Howard E. O'Leary, Staff Director and Chief Counsel
(II)



CONTENTS



Witness List



Amos, John B., president, American Family Life Assurance Co. of Colum-
bus, Ga., accompanied by Malcolm Hoffmann, special counsel, and P^ge
Kenneth Henson, general counsel 1118

Bierschbach, Raymond A., vice president. Occidental Life Insurance Co.

of California; accompanied by O. L. Frost, Jr., vice president 1035

Denenberg, Herbert S., commissioner, Pennsylvania insurance Depart-
ment 385

Fletcher, Mary Lynn, Knoxville, Tenn 450

Hemry, Leslie P., president. Health Insurance Association of America;
accompanied by John Hanna, vice president and general counsel;
Louis Orsini, director of the Health Insurance Council 1299

Hentges, Mrs. Judith, Dubuque, Iowa accompanied by Mr. Davis, Retail

Clerks' Union 1279

Hook, Mrs. Ruth A. G., Clifton, Va 120

Johnson, Donald M., president, Aetna Life & Casualty Co., Hartford,
Conn.; accompanied by Warren G. Elliott, general counsel; and Daniel
G. Pettengill, vice president of Group Division 124

MacArthur, John D., chairman of the board. Bankers Life & Casualty

Co., Chicago, 111 - 293

Osborne, Mrs. Jeanette, Conlej', Ga 895

Pabst, Edmund G., executive vice president, Combined Insurance Com-
pany of America, Chicago, 111. ; accompanied by Ronald K. Holmberg,
senior vice president 460

Roemer, Milton I., M.D., University of California, Los Angeles, Calif 1019

Skutt, V. J., chairman of the board. Mutual of Omaha Insurance Co.;
accompanied by Albert M. Hansen, senior executive vice president in
charge of product and services 1179

Siegfried, Charles A., vice chairman of the board, Metropolitan Life
Insurance Co., New York, N.Y., accompanied by William Thomas,
executive vice president; Edwin B. Lancaster, Sr., vice president and
chief actuary 902

Slater, Robert E., president. National Liberty Corp., Frazer, Pa., accom-
panied by William Paddy, general counsel and Donald Kennedj^ associate
counsel 555

Wilberding, executive director. Medical Information Bureau, Greenwich,

Conn 37

Woodcock, Leonard, president. United Automobile Workers, Detroit,
Mich., accompanied by: Melvin A. Glasser, director. Social Security
Department, and Max W. Fine, executive secretary. Health Securitj^
Action Council 4

Exhibits and Appendix

New York Times, June 16, 1972, news item "Group Insurance Windfall

Is Alleged" 25

Business Insurance of July 3, 1972, news item "Committee Says Health

Insurers Had 'Windfall' Profits Because of Freeze" 26

Journal of Commerce of June 23, 1972, news item "HIAA Denies Allega-
tions of 'Windfall'" b_v Leah Young 27

List of some insurance companies showing large increases granted by the

Price Commission on group health and accident policies 28

(III)



IV

Excerpt from contract performance review report of the Aetna Life & P»ffe
Casualty Insurance Co., Los Angeles office 34

Excerpt from letter by R. E. Stewart, director. Medicare administration,
Aetna Life & Casualty Co., to Mrs. Mercia Leton Kahn, regional repre-
sentative. Bureau of Health Insurance, Social Security Administration,
dated October 20, 1971, page 2 34

Photocopies of several pages of phone book "The Book of Names, Stam-
ford and Vicinity" 50

"Health Insurance Experience-1970," Best's Review — life and health

edition — November 1971, page 45 59

Medical Information Bureau list of member companies 60

Letter from Senator Philip A. Hart, chairman, Senate Antitrust and
Monopoly Subcommittee, dated April 14, 1972, to Mr. Joseph C.
Wilberding, executive director and general counsel, Medical Information
Bureau 89

Letter from Joseph C. Wilberding, executive director and general counsel,

Medical Information Bureau, dated May 2, 1972 90

Medical Information Bureau code list showing meanings of all code

sj^mbols used in their system 92

Medical Information Bureau schedule of charges, effective January 1, 1972_ 101

Medical Information Bureau, examples of MIB reports 102

"The History of the Automated M.I.B. System" 103

Letter from Mr. William R. Rapson, Davis, Graham & Stubbs, Denver,
Colo., dated May 11, 1972, to Senator Philip A. Hart, chairman, Senatf
Antitrust and Monopoly Subcommittee 106

Letter from William R. Rapson, dated May 19, 1972, to Senator Philip A.

Hart, chairman Senate Antitrust and Monopoly Subcommittee 106

Medical Information Bureau 1962 official code list of impairments 107

Medical Information Bureau rules. Appendix A 109

Aetna Life & Casualty, accident, health, and underwriting instruction

manual, pages 121, 273, 275, 231c 134

Aetna Life & Casualty, accident, health, and underwriting instruction

manual, page 267 137

New York Times article dated March 26, 1972, " 'Nub City,' and Other

Stories of an Insurance Investigator" by Barbara Davidson 139

Aetna Life & Casualty, accident, health, and underwriting instruction

manual, pages 219, APP 216 145

Aetna Life & Casualty, accident and health insurance general underwriting

instructions, page 129 149

Aetna Life & Casualty, accident and health insurance general underwriting

instructions, page 421 152

Aetna Life & Casualty, accident and health insurance group underwriting

manual, pages 4 and 5 " 153

Aetna Life & Casualty, disability income insurance underwriting instruc-
tions, partial Hst of occupations 154

Aetna Life & Casualty, accident and health insurance general underwriting

instructions, moral hazards 157

Aetna Life & Casualty Insurance Co., "Book 2, Introduce Yourself to

Health Insurance", page 70, field underwriting 164

Excerpts from "Analysis of Health Insurance Proposals Introduced in the
92d Congress," committee print, the Committee on Ways and Means,
Table 9 — Burleson bill: Cost estimate, page 98; Table 6 — Griffith-
Corman bill: Cost estimate 165

Excerpts from hearings before the Committee on Ways and Means, House
of Representatives, 92d Congress, first session on the subject of National
Health Insurance Proposals, part 2, page 347 170

Aetna Life Insurance Co., accident and health policy experience exhibit

for year 1970 173

Health and accident insurance questionnaires from Senate Antitrust and

Monopoly Subcommittee, dated February 29, 1972 240

Questionnaires of Senate Antitrust and Monopoly Subcommittee Group

and Individual Questionnaire 24 1

Individual Questionnaire 243



Companies' replies to Group Acc'dent and Individual Health Insurance

Questionnaire of Senate Antitrust and Monopoly Subcommittee: P^ee

Question I.A.I •_ 204

Question I.A.3 208

Question I. A. 6 214

Question I.A.8. (and II.A.7.) 180

Question I.A.ll and 12 220

Que.stion I.A.13 and II.A.IO 202

Question I.A.13.23 188

Question II.A.5 196

Question II. 7. (also on same p. as I. A. 8. above) 180

Question II.A.ll 203

Question III.A. and B 229

Companies' replies to Individual Accident and Health Insurance Question-
naire of Senate Antitrust and Monopoly Subcommittee:

Question I.A.I, 2 and 3 182

Question I. A. 5 218

Question I.A.7 221

Question I.A.IO 220

Question I.A.ll 228

Question II. A. and B 222

Aetna Life & Casualty Co. information on group health cases with Boeing,

Chrysler, and International Harvester 254

Examination material — Actuarial Society of America, group insurance re-
newal rerating ("study note") 2.57

Aetna Life & Casualty Group underwriting manual, pages Gen. -63, -64,

-65 261

"The Federal Employees Health Benefits Program, Enrollment and Utili-
zation of Health Services 1961-68" 264

Chart showing where the individual hospital .surgical and medical premium

dollar went in 1971, Bankers Life & Casualty Co 295

Excerpts from Bankers Life & Casualty, claim adjusters reference manual,

book II, post claim underwriting 296

Letter from Peter A. Dammann, director, legal department, Bankers Life

& Casualty Co., dated August 18, 1972, to Senator Philip A. Hart 300

Letter from Peter A. Dammann, director, legal department, Bankers

Life & Casualty Co., dated August 25, 1972, to Senator Philip A. Hart.. 301

Bankers Life & Casualty Co. underwriting manual pages 1, 2 306

Bankers Life & Casualty Co., annual statement for the year 1971 309

Schedule G of 1971 annual statement of Aetna Life Insurance Co. (includ-
ing letter of May 5, 1972, from Donald M. Johnson, president of Aetna,
to Senator Philip A. Hart, chairman of Senate Antitrust and Monopoly

Subcommittee, showing breakdown of MIB medical service cost) 310

Schedule G of 1971 annual statement of Continental Assurance Co.,
John Hancock Mutual Life Insurance Co., Metropolitan Life Insurance
Co., Occidental Life Insurance Co. of California, Prudential Insurance

Co. of America, Travelers Insurance Co 312

Bankers Life & Casualty Co., claim adjusters reference manual, book II:
List of exceptions to company's medicare supplemental policies; senior
citizens are deprived of company's Good Health Award; hospital charges
not covered by company's medicare supplemental coverage, extended
care not covered by company's medicare supplemental plans; procedures
which may indicate company would like to get off risk in medicare sup-
plemental coverages if policyholders condition appears to be likely to

incur heavv medical expenses 317

Letter of April 19, 1972, from Peter A. Dammann, director, legal depart-
ment, Bankers Life & Casualtv Co., to Senator Philip A. Hart, in reply

to Senator's letter of April 5, 1972 321

Letter of June 12, 1972, from Senator Philip A. Hart, chairman. Senate
Antitrust and Monopoly Subcommittee, to Mr. Peter A. Dammann,
director, legal department, Bankers Life & Casualty Co.; and Mr. Dam-
mann's reply of August 3, 1972; pamphlet "The Gold Book"; Bankers
Life & Casualty Co. policies: "Guaranteed Renewal Income Protection
PoUcy; Guaranteed Renewable Hospital Indemnity Policy," policy
form"NC701 322



VI

Page
Case history: Mrs. Florence G. Acker and Bankers Life & Casualty Co__ 352
Advertisements of Bankers Lif e tt Casualty Co. for "(J old Book"; featuring

Paul Harvey; directed at people under medicare 378

Press release of October 26, 1972, of Pennsylvania Insurance Department

re commercial health insurers 419

"Health Insurance Booby Traps," article by Herbert S. Denenberg 444

Letter from Gerald H. Pugh, assistant vice president, Combined Insurance

Co. of America, to Senator Philip A. Hart, chairman. Senate Antitrust

and Monopoly Subcommittee, dated March 21, 1972 507

Table showing Combined Insurance Co. experience for calendar year 1971

in response to questionnaire 509

Annual statement for the year 1970 of the Combined Insurance Co. of

America 510

Accident and health policy experience exhibit for year 1970 of Combined

Insurance Co. of America 514

Accident and health policy experience exhibit for year 1970, annual

statement of the Hearthstone Insurance Co. of Massachusetts 520

Combined Insurance Co. of America policy "Combined Little Giant

Twenty-Five Dollar Semi-Annual Full Coverage Noncancellable Acci-
dent Policy" 525

Combined Insurance Co. of America major hospital-medical-surgical

policy 529

Combined Insurance Co. of America Agency Division Bulletin January 16,

1972 535

Combined Insurance Co. of America Field Underwriting Kit 536

Combined Insurance Co. of America excerpts from "Underwriting" 537

Combined Insurance Co. of America memorandum to all general agents

from teacher division underwriting 551

NH-10 claims data for 19VU, 1971, and January and February 1972 on all

NH-10 policies sold by National Liberty Corp. in 1970 598

National Liberty summary of computer-print-out of claims paid and

rejected on NH-10 poUcies 599

National Liberty Corp. summarization of earned premiums, claims incurred

and loss ratios of National Home NH-10 600

Acturial tables, studies, projections furnished by National Liberty Corp.

to SEC, State insurance departments, and Senate Antitrust and Monop-
oly Subcommittee 605

National Liberty Corp., comparison of total termination rates furnished in

SEC prospectus with those given to State insurance departments 619

Table of national home examination of acquisition costs incurred on key

health insurance plans 622

National Liberty Corp. annual report, 1971 626

Ten case histories of claims denied for preexisting conditions bj^ National

Liberty Corp 664

Letter of July 5, 1972, to Senate Subcommittee on Antitrust and Monopoly

from National Liberty Corp 763

National Liberty Corp. : Use of persistency data for financial reporting and

premium ratemaking 765

Regulatory status of National Home Life Assurance Co., July 5, 1972 768

National Home Life Assurance Co. extra cash hospitalization indemnit}^

plan (standard) 770

National Home Life Assurance Co. hospitalization indemnity plan (Penn-
sylvania) "_ 774

Letter of March 10, 1972, from Michigan Department of Commerce to

National Home Live Assurance Co 782

National Home Life Assurance Co. extra cash hosptialization indemnity

plan (Florida) '. 783

Letter of July 31, 1969, from Florida treasurer's office to National Home

Life Assurance Co 787

National Home Assurance Co. of New York hospitalization indemnity plan. 788

National Home Life Assurance Co. amendment rider (New Jersey) 792

National Home Life Assurance Co. amendment rider (Missouri)'. 792

National Home Life Assurance Co. hospitalization indemnity plan

(Illinois) ; 793

National Home Life Assurance Co. extra cash hospitalization indemnity

plan (California) 797

National Home Assurance Co. of New York hospitalization indemnity

plan 800



VII

National Home Life Assurance Co. advertisement "$600 a Month Tax- Page

Free Cash" ;."- 7-;- - „ - - ," ^^^^

Union Fidelitj^ Life Lisurance Co. advertisement "Extra Cash for People

of All Ages Up to $100-a-Week When You Go To the Hospital" 809

National Home Life Assurance Co. advertisement with Art Linkletter

endorsement ^'^^

National Home Life Assurance Co. advertisement for national home

health plan - 822

Letter of May 25, 1972, to Senate Subcommittee on Antitrust and Monop-
oly from National Liberty Corp. re modal premium paj^ments 826

Table showing National Libert.y Corp. all mass merchandised accident and

health business sold in each" year 1960 through 1970 827

Memo regarding National Liberty Group 828

Letter from New York Insurance Department, dated August 25, 1972, to
Senator Philip A. Hart, chairman. Subcommittee on Antitrust and

Monopoly - - 830

Letter from National Liberty Corp., dated September 5, 1972, to New

York Insurance Department 830

Letter from National Liberty Corp., dated September 5, 1972, to Senate

Subcommittee on Antitrust and Monopoly 831

Letter from Peat, Marwick, MitchelU & Co., dated January 4, 1971, to

National Liberty Corp 831

"Why Do We Amortize Acquisition Costs Over 20 Years?' by W. Ben-
jamin Weaver, vice president. Finance, National Liberty Corp 834

National Liberty Corp. registration statement filed with the Securities

and Exchange Commission on August 26, 197 1 837

"The 50 Largest Commercial Banking Companies," Fortune, May 1971.. 886

"The 50 Largest Utihties," Fortune, May 1971 891

Metropolitan Life Insurance Co.: "Medical Impairnient Guide for Hospi-
tal, Surgical, and Medical Expense Underwriting" 936

Letter from Metropolitan Life Insurance Co. dated July 10, 1972, to
Senator Philip A. Hart, chairman, Senate Antitrust and Monopoly

Subcommittee 946

Metropolitan Life Insurance Co.: "Personal Health Insurance Under-
writing Rules" 948

Metropolitan Life Insurance Co.: "A Guide to Effective Administration

of Group Health Insurance Plans" 952

Metropolitan Life Insurance Co.: "Group Insurance Training Guide" 958

Metropohtan Life Insurance Co.: "Group Insurance Manual Rate

Section" 959

Metropolitan Life Insurance Co.: "Underwriting Guides Covering Hospi-
tal Employees" Re: volume adjustment 961

Metropolitan Life Insurance Co.: "Underwriting Guides Covering

Clergy" 963

Metropohtan Life Insurance Co.: Material distributed to group claim

consultants 963

Metropolitan Life Insurance Co.: Cooperative administration of group

health insurance plans 96o

Statement to the Subcommittee on Antitrust and Monopoly of the Com-
mittee on the Judiciary of the U.S. Senate concerning Metropohtan

Life Insurance Co. and Medical Information Bureau Jo7

Metropolitan Life Insurance Co.: Group insurance manual, "Other Cover-
ages Required," with group hospitalization ''"8

Metropolitan Life Insurance Co. : Excerpt from health rate book "Personal

Health Insurance," plan descriptions and underwriting rules 9b J

Meeting May 5, 1972, between the Bureau of Health Insurance regional

office, SSA, San Francisco, and Occidental Life Insurance Co 1045

Occidental Life Insurance Co. health insurance underwriting supplement,

pages 310, 310A, and 204 1"'^^

Occidental Life Insurance Co. health insurance underwriting supplement,

page 380, "Inquiries to Other Companies" 1055



VIII

Occidental Life Insurance Co. health insurance underwriting supplement,

page 1052 "Use of R.U. System" ; pages 1080 and 1080A "M.I.B. Code ^^ee

Procedure" 1056

Occidental Life Insurance Co. health insurance underwritmg supplement,

page 615 "Medical Expense — Gambling Occupations" 1058

Occidental Life Insurance Co. health insurance underwriting supplement,

page 240, "Pregnant Wives on Familj- Coverage" 1059

Page 7 of meeting between the Bureau of Health Insurance regional office,

SSA, San Francisco, and Occidental Life Insurance Co _ — .. 1061

"Contract Performance Review," Occidental Life Insurance Co., Los

Angeles, Calif, July 20-24, 1970 1062 and 1067

Letter from Occidental Life Insurance Co. of California, dated Jvme 16,

1972, to Senator Philip A. Hart, chairman. Senate Subcommittee on

Antitrust and Monopoly 1066

Occidental Life Insurance Co. of California, memorandum of June 6, 1972,

to Dean Sharp, subcommittee staff, re 314(b) query 1075

Comprehensive Health Planning Association of Los Angeles County, Los

Angeles, Calif., "Sources of Funds, Estimate, 1972" 1076

Los Angeles County Comprehensive Health Planning Association board

of directors, consumers 1076

Occidental Life Insurance Co. of California menujrandum from A. B.

Halverson, .senior executive vice president, dated June 20, 1972, to

Raymond A. Bierschbach, executive vice president and actuary _.. 1080

Occidental Life Insurance Co. of California, material concerning conversion

privilege 1081

Newsclip from Washington Evening Star, May 31, 1972, page A-7, column

4 . ^^_.._.___.^ - 1104

Schedule E, annual statement for the year 1971 pf the Occidental Life

Insurance Co. of California '-_ - ._..

Occidental Life Insurance Co. of California memorandum dated Juno 21, 1108

1972, from policy benefits divi.sion to Raymond A. Bierschbach, execu-
tive vice president and actuary, re 1971 health insurance claims paid___ 1114
Occidental Life Insurance Co. of California group field bulletin, dated

March 17, 1970, subject: "Select Risk Underwriting" (confidential) 1116

Occidental Life Insurance Co. of California group field i)ulietin, dated

July 30, 1970, subject: "Miscarriage Benefit" 1117

Occidental Life Insurance Co. of California, post-claim underwriting 1117

Table showing calculation of weighted loss ratios, American Family Life

Assurance Co. of Columbus _-_- .- ^^..J - , 1154

American Fanuly Life Assurance Co. of Columbus, cancer policy and' '

materials...-^.. -._._. v. - - - .._._-.._ 1407-1414

Letter from Mrs. Francine Davis dated J\me 1, 1972, to Senator Philip A.

Hart, and attached copv of Washington Post article of Mav 12. 1972__ 1157

Table: "Hospital Discharges— I'. S. 1968, Length of Stay in Hospital" 1158

Letter of Juno 9, 1972, from John B. Amos, president, American Family

Life A.-.'.urance Co. to Senator Philip A. Hart 1171

News item by Bob Woodward, Washington Post, June 8. 1972: "Pentagon

Health Phm Criticized" 1172

American Family Life Assurance Co. of Columbus, accident and health

policy experience exhibit for year 1971 loi?

Mutual of Omaha information to personnel concerning settlements 121o

Letter from M\itual of Omaha dated May 23, 1972, to Senator Philip A.

Hart, chainna\i, Senate Antitrust and Monopoly Subcommittee 1218

Mutual of Omaha information concerning risks 1221

Mutual of Omaha memorandum regarding information on administrative

costs ' 1238

Mutual of Omaha memorandum regarding efforts to control underlying

costs of providers (of health care) 1243

Mutual of Omaha memorandimi from investment department to Mr. V. J.

Skutt, chairman of the board 1246

Mutual of Omaha occupational rate manual 1261

Reprint of editorial dated May 8, 1967, from AM A News 1274

Mutual of Omaha — Individual Claims Procedural Manual — part I (franchise

group contracts) 1 275



IX

Mutual of Omaha — Individual Claims Procedural Manual — part I (Retail P^ee

Credit Company and Fair Credit Reporting Act) ' 1277

Mutual of Omaha— Individual Claims Procedural Manual— part I (Sherman

antitrust law) 1278

"The Health Care Crisis— A Study on Himian Tragedy," a supplement to
the October 26, 1971, testimony of AFL-CIO President George Meany

before the House Ways and Means Committee 1284

Memorandum of Claudia B. Galiher of Health Services and Mental Health

Administration, October 20, 1970, re attendance at St. Louis, Mo.

meeting on financing of CHP, October 15-16, 1970 1325

Insurance company representation on section 314(a) Health Planning

Advisory Councils, taken from comprehensive health planning reports

as of 1971 1336

Health planning executive committee, Fort Smith, Ark 1336

City of New York Comprehensive Health Planning-Organizational Task

Force biographical statement 1337

Tucson, Ariz., list of health planning council members 1337

List of Community Service Council, Inc. Community Health Planning

Commission, Birmingham, Ala 1338

Mid-Ohio Health Planning Association, Columbus, Ohio, list 1340

List of members of Comprehensive Health Planning Association of the

Greater Ottawa Valley, Lima, Ohio 1349

List of members of Areawide Comprehensive Health Planning in the Central

Ohio River Vallev (Ohio, Indiana, and Kentucky) 1354

Executive Committee of Health Planning Association of Northwest Ohio

( Maumee) 1 360

Upper Peninsula Areawide Comprehensive Health Planning Association,

Marquette, Mich., summary local financial contributions 1360

Area INIatching Funds, Omaha, Nebr 1361

Flint, Mich., 1972-73 GLS funding schedule 1362

Comprehensive Health Planning Agency of Southeastern Wisconsin, Inc.,

Milwaukee, Wis., re fund raising 1362

Comprehensive Health Planning Council of Southeastern, Mich. (Detroit). 1363
Local income forecast, fiscal year 1971-72, Comprehensive Health Planning

Council of Spokane County, Inc., Wash 1364

Lower Columbia Regional 6- A, Clark, Skamania, and Klickitat Counties,

Wash., source of financial income 1364

Twin Cities, St. Paul- Minneapolis, Minn. Detailed budget, December 1,

1971 through November 30,1 972 1365

Local Share Fund Raising, to establish a Comprehensive Health Planning



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