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Sue, I love my country, but the attitude of "save money at any cost" is really bad. with all the technology at our finger tips, life should be getting better and better. Instead we have less personal service, fewer reliable and safe products, and more people ready to kill, often out of frustration. I once saw a sign that said something like this : "We have been doing so much, with so little. for so long, we can now do almost anything with nothing" Well THAT was in the "good 'ol days"!!!!! I say, fight the HMO trend, before the choice is gone. I don't consider "Take it or leave it" as being a choice, but that WILL happen if we let it! If anyone thinks they will be better off economically by using an HMO, they must not care much about themselves or their loved ones! that's my opinion! [log in to unmask]