Our health cards were just recently renewed. One of my brother-in-laws has the same HMO as us. The curious thing was that when he tried to use the card for a series of laboratory tests requested by his doctors his card was denied! Whaddah? It seems that according to the HMO office, my BIL has used up all his lab works! Huh? How could that be? I think there's a glitch in the HMO's system. BIL was so mad as he ranted that it's a good thing he got his life insurance policy from another insurance company.