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Vermonter it sounds to me like you have Plan C (or something close). I had Plan C and just happen to compare to Plan N a few years back. The only difference is a Co-Pay and a deductible. Started at $10 per visit. Now it is $15 for PCP and $25 for specialist. Still that change reduced my premiums by 40% -- I figured I would need to have something like 15 or 20 office visits to have zero savings with Plan N.
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