dr. patricia mcloughlin, who testified this week in front of congress. all right, dr. mcloughlin, thanks for being with us this evening. how has obama care affected you and your patients? >> it started out that i have a small group insurance policy, and i was given notice that it was going to be nonrenewed starting january 1st of 2014. my anniversary date. and i was totally shocked by that, because it was a high ppo level plan. it was a comprehensive plan. it wasn't missing anything. when i was notified it was not going to be renewed, the letter suggested that another plan would be forthcoming, that would be comparable and i could stay within the same insurance carrier but i had to wait to see what they were going to offer. a couple weeks later, that letter came in describing the new plan which now had in network benefits only instead of both out of network and in network benefits, so it cut off half of my ability to see people outside of the network, and it was only in network requiring referrals which was very surprising. it was called an epo and epo level plans tradi