There are 36 participating insurance companies in Arizona.

For participating insurance companies in Arizona, click here.

The price: One treatment, which includes a Dead Sea salt bath and phototherapy, runs for $135; participating insurance companies might cover part of the cost.

According to Ms. Shaffer, hospitals were signed up in popular American travel destinations or in places where the participating insurance plans had a history of members' being hospitalized.

Established in September 1996 by the California Legislature, the California Earthquake Authority is a privately funded, publicly managed organization that sells California earthquake insurance policies through participating insurance companies.

But in August, Empire Blue Cross and Blue Shield, a participating insurance company, unexpectedly reported that it was forecasting a deficit for 1987 - meaning that it had paid out more than it had received, Mr. Barnes said.