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activities Aetna affiliate apply Association bank holding company beneficiaries BHCA Board CEBA claims clause clients Co-op CODE ANN Congress contract corporate cost containment coverage decision depository institutions EC/PD employee benefit employee benefit plan engage entity ERISA plan ERISA preemption FDIC federal fiduciary firm health care delivery health care services health maintenance organization HMO's hospital Insurance Company insurance industry insurance policy insurer's investment managers involved issues law department liability limited litigation loan managed care Model Act national banks nonbank bank offer payors physician plan participants plan sponsors PPO laws practice preempted preemption preferred provider arrangement preferred provider organization prepaid proxy punitive damages qualified HMOs regulation regulatory relationship responsibility restrictions role Section 502 self-insured plan shareholder resolutions shareholders STAT statute stop-loss subsidiaries supra note Supreme Court thrift trust trust law utilization review voting West Supp