Editor: As an established patient of a neurologist practicing in our immediate area, I responded for my scheduled appointment for a diagnostic test. Routinely, upon entering the physician's office, I displayed my drivers license and health insurance card to the receptionist, but on this visit I detected that something was wrong. Within a few seconds, the staff member who handles all the billing responded to the window and informed me that although I have a health insurance policy that is considered excellent, (a 90/10 policy), it is now required of me to pay immediately the 10 percent not covered by the insurance.