Glenn,
Many thanks for the heads up and I'm sure many people will benefit from your scrutiny and persistence. I'm fortunate in that my current employer, well for a soon to be very short time, uses pre-tax funds for medical & dental insurance and health accounts too - I've been characterized as "a mother hen with one chick" when it comes to watching these kinds of issues but, bloody 'ell, it's my money.

Thanks again for your post.

alkymst