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We have had employer provided BC/BS health care for years and now includes medicare. We have excellent coverage and never a problem. It is not cheap but one hospital stay can bankrupt you example Helens bill of nearly 70K two years ago of which our out of pocket was 3,300.00 for services like TV in the room that we chose to have. What ever works for the individual is fine our total Healthcare premium BC/BS and medicare is over 8K a year but well worth the price.
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