title: Defined-benefit coverage creates new PFS challenges.
authors.affiliation: Gustafson & Associates, Inc., Port Washington, Wisconsin, USA. solutions@gustassoc.com
authors.forename: B M
authors.initials: BM
authors.lastname: Gustafson
mesh_terms: D003256:Community Participation; D017047:Cost Sharing; D003657:Decision Making; D006264:Health Benefit Plans, Employee / Q000458:organization & administration* / Q000639:trends; D019458:Insurance Coverage; D010350:Patient Credit and Collection; D014481:United States