Just an observation - I'm from Australia, and visits to T are covered (90% paid back to you) under our national Medicare that is provided to all citizens. I can't believe some of the stuff I read on here - that you are turned away due to insurance stuff. It seems to me a complete lack of duty of care. My T does get a 'kick back' from Medicare; but I've gone through some hard times and he's let me accumulate over $1000 in fees, as it wouldn't stop him treating me. Lucky, because I've improved, been able to keep a job, and have been able to pay him back!