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Answers: $30 co-pay and needs referrals with the HMO
OR
$1500 deductible with no referrals with the major medical plan.

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Family Doctor's Experience:

Unlike traditional health insurance, an HMO sets out guidelines under which doctors can operate.

If money is the concern then, on average, an HMO costs less than comparable traditional health insurance, with a trade-off of limitations on the range of treatments available.

I have my opinion about this, so it might differ from others

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