This is probably a stupid question, but I saw the "highlights of changes to 2010 healthcare" on upsers.com today. Looks like we're going to a pure % of cost instead of the copay/% of cost model.....but it doesn't say what that % will be. Anybody have any additional info? It better at least be a % of the "negotiated rate" and not the billed rate. I've seen billed at $8000, negotiated rate $500. No kidding.