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KENNEDY v. CONNECTICUT GENERAL LIFE INS. CO.

No. 90-2283.

924 F.2d 698 (1991)

T.J. KENNEDY, Plaintiff-Appellant, v. CONNECTICUT GENERAL LIFE INSURANCE CO., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided February 7, 1991.

Attorney(s) appearing for the Case

Francis Van Hooreweghe, Van Hooreweghe, Fackel & Thuline, Moline, Ill., for plaintiff-appellant.

Thomas J. Shields, Peter Benson, Lane & Waterman, Davenport, Iowa, David DeDoncker, John DeDoncker, Lane & Waterman, Rock Island, Ill., for defendant-appellee.

Before FLAUM, EASTERBROOK, and MANION, Circuit Judges.

EASTERBROOK, Circuit Judge.

A.D. Huesing Corp. furnished its employees with medical care under a group health policy issued by Connecticut General Life Insurance Co. (CIGNA). The master policy covers 80% of specified expenses, and the employee must put up the other 20%. Co-payments sensitize employees to the costs of health care, leading them not only to use less but also to seek out providers with lower fees. The combination of less use and lower charges (together...

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