Alan Raymond is the author of "The HMO Health Care Companion: A Consumer's Guide to Managed Care Networks," (in paperback from HarperPerennial). He has been an HMO member for more than 20 years, and is currently vice president of public affairs and communications for one of the nation's best-known and most respected HMOs, Harvard Community Health Plan. He is frequently consulted as a leading expert on managed care, consumer health care issues, and health care reform.