When President Clinton addressed Congress regarding universal health coverage, he focused on selling points such as security, simplicity, savings, choice, quality and responsibility. These were among the key words that I remember from watching his masterful performance. I was especially attuned to his mention of the twin concepts, of unnecessary service and medical fraud. These concepts have become increasingly important reference points in the past decade as private and public health insurance plans have quickly replaced our previous fee for service and combination public hospital and medical charity system.