As CIOs will remain accountable for quality of service, financial performance, compliancy and security, it is a corporate obligation to get shadow IT under control.

FORBES: Why The CIO Must Be The Chief Innovation Officer

You select the plan based on price and quality of service, says Harvey Matoren, president and chief executive of Claims Security of America, a nationwide claims-assistance and medical-bill-management company based in Jacksonville, Fla.

WSJ: Conquering Retirement: A New Medicare Strategy