Repozer, Bare, I know how you guys feel. I use to have great insurance through my employer, but it got so expensive for them that they had to switch to a high deductable policy. Now my wife,(Unemployed at this time) and I are responsible for the first $3000 of medical care, meds etc. Needless to say we see our doctor as a last resort!! Can't wait to see what happens next year!!! cochi