#10
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My employer picks up 100% too, but our copays are higher because it's an HMO and overall a greater pain in the butt then I had with regular BCBS in NY. For example, I had to pay $15 to see my regular doctor for a referral to have the doppler scan at a surgical center, the center is considered a specialist visit so it was another $35, and then finally they referred me to the emergency room which was a $150 co-pay. Free dental too.
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