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Dr. John Di Saia was playing baseball with his son a few weeks ago, and just as he rounded second base, he tumbled to the ground, breaking his fall with his elbow. "Guess I shouldn't have been running in flip-flops," says Di Saia. At first he didn't think much of the injury, but as it became more painful, he showed it to a colleague, who told him he'd ruptured his triceps tendon. "He said I needed surgery immediately. " One problem: Di Saia, a plastic surgeon in San Clemente, California, didn't have health insurance; he'd ended one policy a few weeks before and was about to start a new one. "It's pretty embarrasing when you're a physician and you say you don't have health insurance.