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Many seniors and younger will need supplemental insurance to pay for expenses not covered by Medicare. It should be noted that neither Medicare nor Medicare supplement insurance policies cover most long term care insurance expenses.

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Managed Care

A Managed Care plan involves a group of doctors, hospitals, and other health care providers who have agreed to provide care to Medicare beneficiaries in exchange for a fixed amount of money from Medicare every month. Managed Care plans include Health Maintenance Organizations (HMOs), HMOs with a Point of Service (POS) option, Provider Sponsored Organizations (PSOs), Preferred Provider Organizations (PPOs), and Cost Plans.

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