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Mary--GOOD FOR YOU!! We hear so many horror strories about HMOs, and it's a pleasure to know that someone is actually going to stand up to them! I was also pleasantly sirprised that your regular doc was able to join in your outrage....assuming he also is employed by the HMO? Good luck in your struggle with the system, and keep us posted! Camilla Flintermann,CG for Peter,78/7 Oxford,OH