Should You Make The Move To A Medicare Hmo?

Two years ago, after she had a suspicious mole removed, Helen Austin of Bowie, Md., got fed up with Medicare. First she had to complete a ton of paperwork. Then she waited months to get reimbursed, only to have her claim denied. Fortunately, the mole turned out to be harmless. But her ordeal with Medicare provider Capital Blue Cross/Pennsylvania Blue Shield led her to join a health maintenance organization that accepts Medicare patients.

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