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Factors to consider when choosing an insurance plan

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Exclusions and limitations

Just as health plans offer certain benefits, they also have exclusions and limitations. Exclusions are services not covered by your health plan while limitations may be covered but are limited in coverage (you may only get a selected number of visits to a particular health care practitioner). Carefully read the terms of potential health care plans before purchasing – you may find out later that a medical need you have isn’t covered and will ultimately cost you out-of-pocket.

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