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Monte has a health care plan whereby if he stays within the network, benefits are paid as an HMO. However, if he goes outside the network, benefits are paid from the medical expense portion of the plan subject to high deductibles and copayments. Monte is covered by a

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Monte is covered by a health insurance. Health insurance is a health plan where in the person is covered for the medical expenses that was incurred by the person in a specific health care provider. The person will not pay any amount if the services was incurred inside the covered network of the insurance. 

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