"Award-winning journalist Ellyn Spragins provides invaluable advice about choosing and using HMOs in this audio guide from the Bloomberg Personal Bookshelf. Spragins the best HMOs in every state; the 11 leading indicators of excellence; why Medicare HMOs are different and how to pick one; where to find superior yardsticks of quality and how to use them; how to challenge a medical decision and get an HMO to pay for what you need; how to forecast your medical needs and find the best plan for you; and which HMOs to avoid and why. Spragins is the winner of the National Press Club's Consumer Journalism Award for her Newsweek cover story ""America's Best HMOs."""