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Steve and Sue Brauer from Scottsdale, AZ break down why so many people with PPOs are shocked by high out-of-network bills and why an HMO might actually give you better coverage. They explain how insurance companies balance risk, why benefits can be cut back in PPO plans, and why higher out-of-pocket costs often surprise members who thought PPOs meant more flexibility. 👉 Get in touch with Steve: https://medicareagentshub.com/agents/steve-brauer 💡 Read more answers from other agents: https://med
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