At managed care provider Kaiser Permanente's clinic in Hayward, Calif. upward of 70% of mental health patients now use some form of CBT.

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The HMO said it wasn't a real emergency, a decision that angered Mark Burns as he tried to convince the managed care provider to help cover the cost.

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Medtronic suggested the managed-care provider combine its network of doctors with Definity's personal-care accounts.

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The health insurance and managed-care provider is still up 72.5% in the past 12 months, and the gurus decided it was time to jump off of the train and lock in profits, especially since the Medicare Modernization Act, which takes effect next year, could put a crimp in the growth in premiums that health insurance providers can charge.

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With managed care and preferred provider plans, benefits for this out-of-network care may be limited, but your annual out-of-pocket cap should still apply.

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The Heritage prize was conceived by Dr. Richard Merkin, founder and CEO of Heritage Provider Network, a managed care group which is hoping to use the winning results for its providers.

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