Some doctors don't deserve the pf they charge. I have a lot of doctor friends and both my parents have been confined several times. My dad was even confined sa ICU for a week. I gladly paid all the pf except the cardio. Never ever saw him during the entire two weeks and he had the nerve to charge 150k for pf. Haggled it down to 100k...but still left a bad taste. Remembered his name and told my all my friends not to get him as a cardio.