Pass Lake, I have spent 14 years in healthcare finance, and I have personally done everything from Medicare/Medicaid to selfpay collections. I know the big picture, and trends across the country. As for your wife, she and I would probably agree on many things. My issue was with you and your statements, which are hearsay at best, because your information is secondhand..
You do not owe me for your education. Consider my explanation of the big picture as an information contribution.