Like "Hodwy Silver WELCOME to DC! I had been with Kaiser for several years when I lived in CA with my (now late) wife. I had a really good experience with them as did my (late) wife. Your point about having all pertainent details be posted, I also ask for folks to do the same when posting new discussions as well. Far too often a lot of details are left out, and to find out the needed information we have to ask and far too often the person doesn't answer. God's best to you and yours James"