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Managed Care

Managed Care. Less expensive alternatives to major medical plans are springing up. HIP (Health Insurance Plans) and HMO (Health Maintenance Organizations) carry lower premiums, but they restrict you to doctors who are members of your network. This phenomenon is called “managed care.” The doctors themselves must work within certain guidelines to keep costs down. The guidelines are sensible, but results can be less than satisfactory because the relationship between doctor and patient becomes more distant.

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