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Hi Marti,

Well, I have Blue Cross, and it is very good. For my medical needs I

need to see private doctors at any time for any reason, so I do NOT have

an HMO and just last week I saw an article about an HMO that had been

sued for neglect. I would say make a list of what your medical needs

are, then compare that to plans you're offered. Also look for anything

that says 'preexisting conditions not covered' then don't sign up with

that one.

Gretchen

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