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Lucy, a 22-year-old, just entered the workforce and must choose a health care plan offered through her new company. She says she is daunted not

Lucy, a 22-year-old, just entered the workforce and must choose a health care plan offered through her new company. She says she is daunted not only by the variety of managed care plan options, but by all the acronyms associated with those options. She asks you what the main differences are among IPAs, PPOs, and POSs.

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