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Individuals may have to change physicians since all physicians do not participate in all managed care plans and many physicians will only take a limited number of patients with a specific managed care organization. The patient has NO coverage if they seek medical care from providers outside of the HMO providers...

Benefits are usually more limited than those in an indemnity plan -- number of therapy visits, days in the hospital, etc.

4. Some managed care plans are "risk contracts". The providers share the risk of caring for the individual.

5. Most plans use generic drugs that have a 20% tolerance for the bioequivalence to name brand drugs...

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