Two doctors and an HMO manager are killed in a train wreck and line up at the pearly gates for admission to heaven. Saint Peter asks them to identify themselves.
One doctor steps forward and says: "I was a pediatric spinal surgeon. I helped hundreds of kids overcome their deformities."
Saint Peter says: "Enter."
The other doctor says: "I was a psychiatrist. I helped rehabilitate thousands of people."
Saint Peter nods and invites him into heaven, too.
The third applicant steps forward and says: "I was an HMO manager. I helped countless people get cost-effective health care."
Saint Peter tells him: "You can come in, too."

As the HMO manager walks by, Saint Peter adds: "But you can only stay for three days. After that, you can go to hell."
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