Guy and his wife are trying unsuccessfully to have a child, so they are getting tested. Guy is in fertility clinic, to give a sample for sperm count. Is handed a specimen jar and a girlie magazine, pointed to a private room. As he's walking down the hall, he sees another room with the door open a crack, peeks in. A gorgeous nurse is, um, helping another patient obtain a sample.
On his way out, he asks the front desk about the disparity. He is told, "Oh, he has PPO insurance. You're on an HMO plan."