Joe Brock is skeptical when he reads a tabloid report about a "Grim Reaper" methodically stalking and killing homeless people in San Francisco. When he witnesses a murder, he knows the reports are true. Who could possibly gain from such bizarre crimes? Joe convinces himself that it's a coincidence that the HMO he works for is being bankrupted by the poor souls. Sure the HMO's execs are an assortment of greedy, unethical corporate ne'er-do-wells, but MURDER??? After Joe becomes the prime suspect, is arrested for the crime, and someone tries to kill him; he has no choice but to help bring the killer to justice.