Even if we are successful at getting new treatments through the research, development and approval process, the question remains whether payers, including the federal government, will be willing - and able - to pick up the tab for them. This panel examines how the Centers for Medicare and Medicaid Services (CMS), hospitals, insurance companies and benefits providers are adapting to meet the new demands of the health care delivery system. It will look at how legislation and government regulations affect private-sector policies. What role are insurance coverage decisions - and insurers themselves - playing farther upstream in the R&D and investment process? And, as these policies are being implemented, how will it impact the way we deliver care and the path toward treatments and cures?