Boy this thread turned out to be a fountain of good advice. I think I too will hold of in the "inc." and "ins." til I have to.
I'm the same way Ed. I had a doctor who was ready to throw in the towel because the ins. costs were killing him and it just wasn't worth it anymore. It's too bad. I always think too if they aren't drunk etc or totally incompetant then they are just human and it's human error. I can't see people being sued for human error. In my opinion, it's why our medical costs are so high we can get good coverage anymore or afford the drugs to help ourselves anymore. But I am digressing from the subject.
Thomas, I would definately believe your wife since she probably knows more than I. So I guess we all just play it by ear and see what's best. Good luck in figuring this question out.
Doug ... Do you see the can of worms you opened here?