Oh sorry snugs... HMO means Health Maintenance Organization, a few steps below a regular family doctor. Some employer insurance plans dictate this and it's not fun. I'm sure you can relate even though I have no idea how healthcare in the UK is.
Thanks for your kind thoughts and prayers. My sister is an avowed atheist but I figure she can still be prayed for, whether she likes it or not. God bless!
Sounds a bit like our Health Centres which are supposed to be better than the one man band family doctor but in reality they are less friendly and you rarely see the same doctor twice unless you are prepared to wait over a week to see him/her.