no problem, i will also say that PH insurance has some of the BEST customer service. Both public facing and internal. They actually have an internal department that the public is unaware that does some amazing things that help reduce cost for both them and you as a customer. This department also help make sure the care you receive is the best available for you, as well as thoroughly completed to avoid complications and repeat visits, which also help reduce costs but improve quality of life.

I cant say much more then that because im pretty sure its what they would call a trade secret... I am only aware of it because I worked for them and was involved in supporting this from an IT perspective.

On a side note for all of you people looking for a change of pace. Health care is IMO the most fascinating place to be as far as IT is concerned, I would have never left the health care industry except that I wanted the benefit of working from home full time. When I left, I told my boss and a few other managers to let me know if a full time work from home position became available.