Wow, I wish I had those magical powers at my disposal all the time! Thanks for the wishes. I've considered asking the main doctors if they would be willing/able to join the network. It's worth a try anyway. The weird thing is how completely this insurance covered the very specialised treatment for MDS (BMT) and yet, will practically cover nothing for the rest of us normally healthy folks. All in all though, I have to say that I'm glad it wasn't the other way around, or we'd be making extra house payments instead of extra car payments.