Presently, about 170 million people have some form of private health insurance protection-about 92 percent of the civilian, noninstitutionalized population under age 65. The coverage is provided through insurance companies, Blue Cross and Blue Shield plans, group medical plans operating on a prepayment basis, plans that are self-administered by employers or labor unions, community plans, and rural or consumer health cooperatives, each with its own distinctive approach (Follman, 1973). Health Insurance is a big business, and it is expanding in numbers of people covered and in the range of benefits offered. Now commonly available, for example, are coverages for treatment of mental illness and dental care. The mechanism of group insurance is now being used experimentally to offer coverage for legal services. The development of group prepaid legal services will undoubtedly hasten a more definitive study of counseling services as group insurance benefits. Attorneys have traditionally made use, through referral, of psychological, occupational, pre-retirement, and, especially, marriage and family counseling services in order to help answer client need outside the realm of legal service per se. As divorce and separation rates climb, more and more attorneys are turning to marriage counselors at the time clients indicate a desire to terminate a marriage.
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