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Of all major medical insurance options in an area, HMOs are usually the cheapest. This is true if you consider monthly premiums and if you consider potential expenses for copayments, deductibles, and coinsurance. However, insurance companies control costs by imposing lots of rules.
Medicare helps millions of American seniors and disabled people pay medical bills, but there are gaps in the program that still leave beneficiaries vulnerable. Examples are copays, deductibles and things that Medicare doesn’t cover at all. Some Medicare recipients buy supplements, sometimes called Medigap plans, in order to protect themselves against these gaps in health coverage.
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