Hi, Vicki, and thanks for your comments....Unfortunately I don't have any clue as to what NHP HMO will be doing but I do know that I will be here for you if you need to talk or ask a question, together we will find the answer. I'm almost there, waiting today for my "approval" as per my representative over at BCBS PPO. Jill that is her name said that TODAY, June 24, 2003 I would almost certain get an answer...My fingers will be crossed all day....You take care and I'll keep you posted..bye Miriam