Julie wrote:"One would have hoped that the Federal Govt. would insist that providers accept Medicare, but hey -- whaddo I know." ck: Yes, this is horrible and unfortunately, terribly common. Where I live, half of the insured population is on Medicare, yet only a handful of doctors admit Medicare (or Medicaid) patients. The result? Emergency room care only. There should be some way to mandate actual medical CARE for people. The AMA isn't interested, though, in reducing doctors' fees, just as the docs who opt out of Medicare/Medicaid aren't interested in tending to people whose insurance doesn't reimburse at prime rates. I haven't seen this issue (doctors opting out) addressed in the propose California plan or elsewhere, though. Anyone? Carol