That's true. My Dr only takes certain HMOs. My wife's Dr doesn't take
HMOs at all, just PPOs. They do get to pick and choose. How much
business do you want, what you are willing to do it for? Just like a
CFI. If I wanted to fly as a CFI 8 hours a day, I could easily do it at
say $30/hr. By charging $50/hr I reduce the demand to a managable
level.

-Robert