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The variety of health care coverage accessible to you in such a case is primarily based on 3 qualifiers: the lead to of your disability, your income and the private insurance coverage options offered in your county of residence. In reciprocation, the HMO gives complete overall health care coverages for you as effectively as your family members. For these people who get the services of any of the Lumenos plans, these men and women will be offered access to the Blue Cross wellness management website- a properly recognized overall health management web site. At times a larger premium might be charged of possibly a policy perhaps issued with special exclusions that limit the insurance company's liabilities in the case of any costs connected with the pre current situation. An added advantage of the assessment is to use it as a springboard for further conversation, helping the coach to delve deeper into the history of behaviors, current situations and the wellness troubles at hand. 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