Two doctors and an HMO Manager
 

Two doctors and an HMO manager are killed in a train wreck and line up at the Pearly Gates for admission to heaven. Saint Peter asks them to identify themselves. One doctor steps forward and says, "I was a pediatric spine surgeon. I helped hundreds of kids overcome their deformities."  Saint Peter says, "Enter." The other doctor says, "I was a psychiatrist.  I helped rehabilitate thousands of people." Saint Peter nods and invites him into heaven, too. The third applicant steps forward and says, "I was an HMO manager. I helped countless people get cost-effective health care."  Saint Peter tells him, "You can come in, too." As the HMO manager walks by, Saint Peter adds, "But you can only stay for three days.  After that, you can go to hell."