Self-insurance may be the way to go these days, but who's going to catch the overcharges on employees' hospital bills? Even a top-notch utilization review firm won't know if Sam Jones from data processing really did get a sleeping pill every night of his stay at County General. But Jones will -- and so more and more companies are combating hospital overcharges by having employees audit their own bills.

At Hazel Inc., a Washington, Mo., manufacturer of business products, employees receive 50% of the money the company saves on errors caught by patients, up to a maximum of $500 per year. "I know of one employee who received several hundred dollars for catching charges for services she never received," says benefits manager Marvin McAdams.