Health Plan That Cuts Costs Raises Doctors' Ire
Innovative health care program in Whatcom County, Wash, has improved medical care and cut costs by, among other things, assigning nurses and creating electronic records for some patients; model program, which so far involves only patients with diabetes and congestive heart failure, is boon for health insurers and pharmaceutical companies; is cutting earnings of general practitioners, who are offered no financial incentives to buy electronic medical records systems and provide services that substitute for individual doctor visits, and of hospitals; some experts question viability of model; Robert Wood Johnson Foundation helps finance program; photos (M)