Greg, it is so sad to think that the people in most need of help, will suffer the most. There outght to be laws passed to make it a felony to hold back the most effective medical care in search of profits. If it is anything less than a felony, there are "bean counters" who will figure when it is cheaper to pay a fine, than provide quality medical care as needed. We also have to educate ourselves to understand the buzzwords and mumbo jumbo used to cloud the issues. And, what about contracts that have such small print, and often reproduced so poorly, an electron microscope would not make them legible. You give that to a person who is anxious to recieve medical treatment for themselves or a loved one, they will usually just sign whatever is put in front of them to get things moving. Have you ever read what you sign before surgery for example? Basically you give them the right to do whatever they want, and if the patient dies, he has signed away his survivor's right to sue for malpractice! much of it does not stand up in court, but it also is not protecting the patient. What if the doctor had to sign a form composed by the patient? It would make sense, as the doctor can always make more money, but the patient only has one life to lose! kenBEcker