“Hi, Doctor. I know this is weird, but while I was waiting in the lobby, I checked your Yelp reviews and read that this dentist office burned down in a mysterious fire.”
“It did. I am an evil dentist ghost.”
“Oh no! I’ve got to get out of here!”
“But I’m accepting new patients.”
“Huh. Not many offices are. No! Your eyes are black and you’re obviously holding a bloody dental cleaning hook thingy behind your back!”
“OK, you caught me. I am. And it’s called a hand scaler, by the way.”
“Help! Help!”
“I do accept HMO.”
“Really? Well, OK.”
THE END
werewolf and whale 
It really comes down to the co-pay for me