This book is dedicated to my cousin, Justine De Leon, in honor of her becoming a US citizen. We love you and we’re so happy you’re here!

With special thanks to Barbara Kram for helping me run through some HMO insurance-fraud scenarios. Any errors are my own.

Thank you to my wonderful editor, Flo Nicoll, for always pushing me to do my best.

And thank you to my family, for supporting me in all that I do.