REGULATING HMOs: Health Committee Chair Sen. Pia Cayetano and Ways and Means Committee Chair Sen. Francis Escudero (RIGHT) discuss proposals to tighten the regulation of Health Maintenance Organizations (HMOs) with the aim of protecting consumers while encouraging the industry's expansion. The resource speakers at the public hearing held last Nov.5 were led by (LEFT, from left to right) Dr. Nicanor Montoya of MEDICard, Mr. Antonio Cabangon Jr. of Fortune Medicare, Dr. Carlos da Silva of the Association of HMOs of the Philippines, Inc. and former Health Undersecretary Mario Taguiwalo.