People go to emergency rooms for anything from an earache to a heart attack, and the bill from the ER doctor could be just about any amount you could imagine. If, for instance, the bill for the ER doctor was $1,000, the UMP enrollee might have to pay up to $300 more than they would have under full coverage.

It's just emergency room doctors; it's not any other service they would get at St. Pete's.

We felt this would get ironed out, and it hasn't happened. It got to the point where we had to tell the people so they could protect themselves.