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I am on my 2nd ESP from FOMOCO.I have not got my money back in fact except for the Extended service contract on the Montana's we have not got our money back on any Insurance policy. However one major failure and we would. Helen's 3 day hospital stay and surgery was over 53K.She pays 2268 per year out of pocket for her health insurance so that is about 23 years of premiums at todays rate for that one incident.
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