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HMOs are a conspiracy, almost by definition. If you have an HMO and they even give a hint of a potential problem with anything, bug them for specifics and for your own protection pay for a second opinion and a frank discussion of your options if you have a problem. Then SUE the bastards, if you must, but get them to pay for the treatment you paid insurance for. Just remember they don't give pain meds for the lowest cost plans, just the surgery.
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