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We are both on medicare and have an open HMO policy from Humana. That means we pick the doctors. It's like a supplemental policy except that all the billing, including the medicare billing, goes through Humana and they pay the doctor then collect from Medicare.
It's through the comapany I retired from so I don't know if it's available to everyone or not. It does include a drug benifit.
Also we just changed to that policy so don't have any results to report.
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