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The type of wellness care coverage obtainable to you in such a case is based on 3 qualifiers: the cause of your disability, your income and the private insurance choices offered in your county of residence. In reciprocation, the HMO gives comprehensive overall health care coverages for you as properly as your loved ones members. For these people who get the services of any of the Lumenos plans, these people will be given access to the Blue Cross well being management web site- a properly recognized health management site. Sometimes a higher premium might be charged of perhaps a policy maybe issued with particular exclusions that limit the insurance company's liabilities in the case of any expenses connected with the pre current situation. An added advantage of the assessment is to use it as a springboard for additional conversation, assisting the coach to delve deeper into the history of behaviors, present situations and the well being troubles at hand. 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