1  2  3 

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2  _  _  _

3  _  _  _


ACROSS
1)  the edge of a piece of cloth; especially the finished edge that has been doubled under and stitched down
2)  group insurance that entitles members to services of participating hospitals and clinics and physicians
3)  a quantity of money


DOWN
1)  the united states federal department that administers all federal programs dealing with health and welfare; created in 1979
2)  any of various systems of units for measuring electricity and magnetism
3)  informal terms for a mother

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hem
hmo
sum