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I hear you.....My understanding is that companies got into INSURING their employees because the GOVERNMENT offered them something in return for it, then like the schools, all sorts of caveats got added, and yes, the lawyers got involved....that's where I'm coming from. In an ideal world we'd go back to the country Doctor, but the toothpaste is out of the tube now, and we can't, unless we can figure out how to convince employees they could take care of their own medical care on their own (their salaries would be higher and they would have more choices).....ah, but I dream, because, I'm supposed to be heading off to sleepy land....g'night.