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  #19  
Old 03-20-2009, 10:14 AM
AGDee AGDee is offline
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Join Date: Aug 2003
Location: Michigan
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HMOs are becoming the prevalent insurer because they are the least expensive. PPOs can be just as restrictive. The only insurer in my area that is common that is NOT an HMO is Blue Cross and they can still be pretty restrictive and they can refuse to pay for things after the fact. The insurance world is a big huge complicated mess, honestly.
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