16 years ago I had the begginning of diabetic retinopathy. Back then I had regular insurance. Not an HMO. Dr Karl literally burned my retinas with laser surgery to the point that now I have minimal perepheral vision. He sent me to another eye doctor to do a ""red laser"" on my eye. This doctor did laser right in my macula and now I can't see out of that eye. He ruined my life. It took years for this to happen so now I can't even sue. I don't think he can do this with HMO's I find it funny that when my insurance stopped paying him, suddenly I didn't need any more laser. I am now legally blind. What was it, Dr. Karl? Did you need the money so bad that you runed my life for it? What he did to me cannot be undone.
Cons: need I say more?