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Some years ago, Medicare stopped approving a type of plan used by a variety of people nationwide. Since then, I have been on an Advantage plan with a multi-state *regional* insurer (they are only in 4-5 states in the Midwest). Premiums have dropped every year and this is second or third year with $0 premiums for me. About 95% of doctors in the area accept their insurance, including the U of MN.
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