This article examines the use of specialty health care services in municipal governments. Findings are provided by a comprehensive national survey. The focus is on describing the use of specialty services and exploring their impact upon satisfaction and the overall cost of coverage. The data show some interesting variations in the use of these services. They also suggest some important relationships with satisfaction and cost. For example, the overall cost of indemnity programs appears closely linked to the number of specialty services. Also, individual services such as dental care and eye care were associated with more expensive indemnity programs.
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