BTW, it's hypocritical that you talk about decisions between "ME AND MY DOCTOR", when ObamaKare brings government bueracrats into the decision making process via "Independent Payment Advisory Board". So decisions are no longer between you and your doctor.Lord help us! Are you really dumb enough to believe that decisions are now between you and your doctor? I guess they are if you're paying cash for all medical expenses. Otherwise decisions are between you, your doctor and the INSURANCE COMPANY CLERK who's processing the claim or the pre-authorization request.About that question I asked above: It's rhetorical. I already know the answer.