ABOUT HEALTH MAINTENANCE ORGANIZATIONS AND FEES   In the last few years I have taken a very hard stand against Health Maintenance Organizations.  I refuse to turn my practice over to business.  While I believe that health care providers may have in a sense brought on the current crises in health care by conducting themselves often in unprofessional and unethical ways, I do not believe the answer is in turning health care over to business men and women, lawyers, or judges.  I want my therapy practice to be free standing, confidential, respectful and at a reasonable fee.  To this end I refuse to participate in HMO’s even if this means that eventually I will go out of business.  Although I worry about this, so far I have no trouble maintaining a full client case load.  For this I am very grateful to my clients who often forego some health insurance in order to work with me.  I do participate in a few Preferred Provider Panels as long as they are not closely managed and I do accept all indemnity health insurance plans such as Blue Cross/Blue Shield.