Blue Cross, a medical insurer, publishes lists of "usual, customary, and reasonable" rates for medical services. Blue Cross insureds can then shop for medical services to be certain they are fully covered. A physician who charges rates higher than Blue Cross alleges there is a combination in restraint of trade to force him out of business and a price-fixing conspiracy. Is he right?


See Ratino v. Medical Service of D.C., 718 F.2d 1260 (4th Cir. 1983); Arizona v. Maricopa County Medical Society, 457 U.S. 332 (1982). Blue Cross is not a competitor. The others are just trying to attract business. If the others owned Blue Cross, the decision might be different.

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