Health Insurance companies and HMOs. Should they be required to provide beneficiaries all the benefits?

promised, and do it in a timely manner. Same day referrals, non interference with the patients physicians decisions, prompt consultations by having sufficient participating consultants, no more than 15 miles travel to see a consultant. Federal and state board to protect beneficiaries, heavy jail penalties to HMOs officers for denying promised benefits, Malpractice lawsuits against HMOs allowed.