co-pay what you (the client) pay for services rendered premium what you (the client) pay to be enrolled in the plan HMO health maintenance organization, typically the name is an oxymoron since (for example) ..................Keystone HMO will deny coverage for "health maintenance" services. covered when a service is covered, all a client is responsible to pay, is the listed fee for a co-pay maintenance services provided to a client, not limited to treat a medical condition but also to improve or maintain health. This is NEVER covered by Blue Cross, Aetna, Keystone, Personal Choice
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