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Blue Cross of Florida has been great! In the past 2 years I've had two surgeries... one cost about 18,000 and the other around 14,000 and I didn't have to pay one dime other than my monthly premiums! The trick is choosing the right doctors from the "network book". You have your garden variety collection of docs that don't give a crap and a few good ones that actually do care. What state are you in? My best advice is to ask around and get the names of the doctors in your area that people have had luck with.... that is how I've found mine.
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