[buzzinhalfdozen]

Adger, thanks for the reply. As I stated not too many years ago we paid no insurance charges so it had to be paid somehow I just wasn't sure who paid it. So why can't I be self insured? My understanding is that their coverage doesn't even start until your personel insurance has been exhausted. I'm not going to complain about another $10 I'm complainig about the fact that we get caught holding the bag for ALL of the coverage for everyone! Also if I'm not mistaken they've quit paying 1st round winners, if I read it right, so they've just redistributed the wealth, kinda like Mr. O intends on doing. Joe