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Dennis, I agree whole heartedly, the patient DOES pay the price here, unless they have either excellent private insurance, or are covered by medicare, and medicade. When the hospital knows it will get paid for everything they do, they roll out the red carpet and treat a patient like royalty, and you could be a permanent resident with round-the-clock nurturing care.........HOWEVER, if an HMO is involved, They'd do an eight organ transplant as an outpatient procedure, given the chance! Insurance used to be a way for everyone to pay a fair amount, and the insurance company could make a fine profit, while providing proper patient care. KEN b