Blue Cross Blue Shield seems to offer some very low rates. I was always very pleased with them in the past including some difficult coverages involving multiple insurance companies. Something you don't ever want to be involved in. Last time I had BC/BS was 1999. Might want to check them out. http://www.bluecrossmn.com/findaplan/awarecare.html -- Paul Overby Poverby at megsinet.net Office: 651-686-6074 Home: 452-3233