Carabelli wrote:

"Well, have any of you instituted this in conjunction with a HD medical
plan
in your office?  I'm am trying to get the staff to understand the
benefits
of it.  Somebody must have been asleep in Washington to let something
that
makes this much sense become law."

For people with good sense and personal discipline in financial
matters, it's a great opportunity.

The problem is that most people simply don't have a great deal of
financial discipline. If that weren't a fact, most of the furniture
stores, credit card companies, and auto dealers in this country would
be out of business!

The ability of people to make a monthly payment, rather than the total
cost of the item purchased, is the driving force behind large purchase
decisions for too many consumers. I suspect that only the very savvy
will take advantage of the HD medical insurance possibilities.

Good luck -- the numbers make great sense!
- dentaldoc