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-Deductible: the amount a patient is responsible for before insurance coverage takes effect. -Managed Care: a term describing programs designed to manage the quality and cost of health care. Preferably, managed care brings about a system where Patients receive the care they need, including preventative care, when they need it. -HMO (Health Maintenance Organization): these organizations provide insurance coverage, usually through an employee-based plan. HMOs rely on a primary care physician to manage a person

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