Yep. Typically T's only do it to get more clients. My T doesn't need to but just hasn't unsigned up for this insurance company yet. Probably because it is a rinky dink crappy company that no one has and it has not come up for him in a while. He did also say he did not know how much longer he would continue to take it. I just don't want him to resent me using the insurance rate. I already feel totally inadequate and like a total loser anyway.