Three people die, a Doctor a school teacher and the head of a large HMO, when met at the pearly gates by St. Peter he asks the Doctor 'what did you do on Earth?'

The Doctor replied, I healed the sick and if they could not pay I would do it for free. St. Peter told the Doctor, 'you may go in.'

St. Peter then asked the teacher what she did, she replied, I taught educationally challenged children. St. Peter then told her 'you may go in.'

St. Peter asked the third man, 'what did you do?' The man hung his head and replied, 'I ran a large HMO.' To which St. Peter replied, 'you may go in, but you can only stay 3 days.'

How true about HMO'S