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$990 000 to accept 1481 patients works out to about $700 per referral, and then Desai can go after his normal fees. Why does it not surprise that UMC has no idea how many were uninsured? If Desai collects from 1 in 2, he has $1400 from UMC to pay for the other one. If he collects from 2 out of 3, he has $2100 from UMC. No wonder he lives in a $3.4 mil house. No wonder UMC is rolling in red ink.