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"But people would demand all kinds of expensive tests they don't really need."

Ross smiled with apparent sincerity. "There you are. Healing takes time, Mr. Elliot, and you'd be surprised at how many health problems go away by themselves."

He stood up and went over to the small refrigerator at the corner of the room and got out a couple of bottled waters. He gave one to the reporter and sat back down.

"Look," he said, leaning forward and speaking, ostensibly, from the heart. "I know this must all sound pretty callous, but nobody's opposed to losing the money on tests if they're necessary. Hell, that's what insurance is all about, after all. But if fifty guys show up month after month, and each one gets his test when only five really need it, then instead of Parnassus losing twenty-five grand, which is covered by premiums, we lose a quarter mil. To cover that, we'd have to increase premiums and copays by a factor of ten, which nobody can afford. So the whole system falls apart, and no one gets any health care."

Elliot drank some water. "But let's say out of the fifty guys who want their tests, ten in fact need them. Not five. What happens to them?"

"They get identified, Mr. Elliot. Maybe a little late, which is regrettable. Nobody denies that. They're tough choices, I admit. I personally wish nobody had to go through any pain ever, honest to God. That's why I became a doctor to begin with. But it's my job now to keep this ship afloat, and if we tested every patient for everything they wanted as opposed to everything they truly needed, we'd sink like a stone, and that's the cold, hard truth. Then nobody would get any tests because nobody could afford them. You think that would be better?"

"Let me ask you one," Elliot replied. "I've heard a rumor you haven't paid some of your doctors. Would you care to comment on that?"

Ross kept on his poker face, but Elliot's awareness of this fact startled and worried him. He also thought he knew the source of it-the always difficult Eric Kensing, who'd admitted Baby Emily and then, he suspected, been Elliot's source on the breaking story. But he only said, "I don't know where you would have heard that. It's not accurate."

This evidently amused the reporter. "Is that the same as not true?"

Ross sat back in an effort to appear casual. "What we did was ask our doctor group to loan a sum to the company, with interest, that would come out of the payroll reserve. It was entirely voluntary and we've paid back everyone who's asked."

***

Jeff Elliot had been sitting listening to Malachi Ross's apologies and explanations for over an hour. Now the chief medical director was talking, lecturing really, about the rationale for the Parnassus drug formulary, maybe hoping that Jeff would spin the self-serving chaff into gold in his column, get some PR points for the group in Ross's coming war with the city.

"Look," Ross said, "let's say the Genesis Corporation invented a cancer-curing drug called Nokance. The budget to research and develop the drug and then shepherd it through the zillions of clinical trials until it got FDA approval comes in at a billion dollars. But suddenly, it's curing cancer and everybody wants it. Sufferers are willing to pay almost anything, and Genesis needs to recoup its investment if it's going to stay in business and invent other miracle drugs, so it charges a hundred bucks per prescription. And for a couple of years, while it's the only show in town, Nokance gets all the business.

"But eventually the other drug companies come out with their versions of Nokance, perhaps with minute variations to avoid patent disputes-"

"But some of which might cause side effects?"

A pained expression brought Ross's eyelids to half-mast. "Rarely, Mr. Elliot. Really. Very rarely. So look where we are. These drugs also cure cancer, but to get market share, they're priced at ten bucks. In response, Nokance lowers its price to, say, fifty dollars."

"That's a lot more than ten."

"Yes it is, and you'd think that once we educate people, tell them all the facts, everybody would stop using it and go for the cheap stuff, wouldn't you?"

"They don't?"

"Never. Or statistically never. Given the choice, the patients almost always choose Nokance. It's the brand name people recognize. There's confidence in the product."

"Like Bayer aspirin."

"Exactly!" Ross silently brought his hands together, as though he was applauding. "So-and here's the point-although it costs us forty dollars more per scrip to supply the Nokance, if we approve it and keep it on the formulary, it costs the patients the same amount it always has, which is ten bucks, the drug copay. So we delist it."

"The Nokance?"

"Right."

"But-this is still hypothetical now-you're saying it's good stuff and you don't let your patients get it."

"They can get it, but we won't pay for it. If we did, it would wipe us out. We're dealing with extremely small margins for the survival of the company here. You've got to understand that. The point is that Nokance isn't the only stuff that works. That's what I'm trying to get through to you. The generics do the job."

Elliot had his own very strongly developed ideas about drug formularies. He had been suffering from multiple sclerosis for over twenty years, and on the advice of his doctors, he sometimes thought that he'd tried all the various generics in the world for his different and changing symptoms. Not invariably, but several times-at least enough to have let him develop a healthy skepticism-he'd experienced side effects or discomfort with the generics. When he'd gone back to the brand name, the problems vanished. So Ross would never sell him on the universal benefit of generic drugs.

"So just to be clear on your position," Elliot said, "your view is that this gatekeeping and cost cutting, from managed care to generic drugs, is essentially consistent with your Hippocratic oath, for example. Where the emphasis is first to do no harm, then to heal."

"Basically, yes." Ross seemed pleased with this take on it, but Elliot knew he wouldn't be for long. "We're in medicine, Mr. Elliot," he continued. "The goal is maximum wellness for the most people."

"And there's no conflict between your business interests and the needs of your patients?"

"Of course there is." Ross was leaning back in his chair comfortably, his legs crossed. "But we try to minimize it. It's all a matter of degree. The company needs to sustain itself so it can continue doing its work."

"And also make a profit, let's not forget. You've got to show earnings, though-right?-to please your investors?"

Ross smiled and spread his hands in a self-deprecating way. "Well, we're not doing too well at that lately."

"So I hear." Elliot came forward in his wheelchair, spoke in a friendly tone. "Do your investors ever express displeasure with the salaries of your officers and directors?"

Ross blinked a few times, but if the question bothered him, he covered it quickly. "Not often. Our board members are skilled businesspeople. If the pay weren't competitive, they'd go elsewhere. Good help is hard to find, and when you find it, you pay top dollar for it."

"And this good help, what does it do exactly? Run the company?"

"That's right."

"And yet you're close to bankruptcy." It wasn't a question, but Elliot let it hang for a beat. "Which makes one wonder if lesser-paid help could do any worse, doesn't it?"

***

Fisk and Bracco may have come across as a matched pair to their fellow homicide inspectors, but they really couldn't have been much more different from each other as human beings. And this meant they were different kinds of cops, too.