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BestCrosswords.com - "Health Plan Choices" by Doug Roffmann on 6/8/2006 [moderate]
Across 1- "Smooth Operator" vocalist; 5- Way over a fence; 10- Scenery chewer; 13- Move like a hummingbird; 14- Polynesian monarchy; 15- Life-giving fluids; 16- Health plan member at Seattle's Pike Place Market?; 18- Coagulate; 19- Lies to; 20- ___ Dome; 22- One of two in an oboe; 23- 2004 Stephen Burrows comedy, "___ Change"; 24- Bad advance men?; 27- Health plan subscriber's beacon on the boulevard?; 30- ___ one's own attorney; 31- Talker with a bill; 32- Blackstone's field; 33- High-end dash veneer; 34- Found in a pie, perhaps; 35- Stereo predecessor; 36- Jackie's second; 37- Flynn who wanted to call his autobiography, "In Like Me"; 38- Regattas, e.g.; 39- Therapeutic installations most health plans won't cover?; 41- Assault; 42- Bridge, to 54 Across; 43- Some toy material; 44- Plaza resident who debuted in 1956; 46- Diplomatic tension-reducers; 50- Elegant New York retailer, briefly; 51- Rock band that needs a good health plan?; 53- Boating direction; 54- Italy's hottest soccer player; 55- Exam choice; 56- One-time Mideast org.; 57- Twitch; 58- Oklahoma city;   Down 1- No. Calif. hook-and-ladder group; 2- "I cannot tell ___"; 3- It may be hard; 4- Light and airy; 5- Bosch products; 6- Worked the abs; 7- Clues to gerunds; 8- Not sm.; 9- Bradbury's conqueror of Mars, e.g.; 10- Health plan subscriber's plea when her purse was snatched?; 11- Buck finish; 12- Jimmy's "The West Wing" character; 15- Rascal; 17- Dubya's would-be Justice; 21- Subst. for a naughty word; 23- Ear or Erie; 24- Small, secretive group; 25- Automaker of Legend; 26- Health plan subscriber's favorite game on a hot Friday night?; 27- Google rival; 28- Bank installations; 29- Cocktail garnish, briefly; 31- ___ Haggard; 34- Objects; 35- Two quarter-notes, basically; 37- Seemingly forever; 38- Composer Ned; 40- Grace under fire; 41- "I ___ on a Monday..." -- '63 Crystals lyric; 43- Cardinals' residences; 44- Jacob's twin; 45- Song syllables; 46- Some input; 47- Rotate; 48- Needle case; 49- Molt; 52- Swab at Annapolis;