Health: Where To Get Help In A Constantly Changing System

Theresa Arnerich, 54, couldn't afford to pay for private medical insurance after her divorce, so for years she went without. Finally, in 1997, Arnerich took a part-time sales job in Los Angeles, mostly for the health coverage. "I have an EPO," she says. "I don't know what that stands for--exclusive provider something. Whatever. They tell me it is one step above an HMO." She could have chosen a PPO--she doesn't know what that means either--but it cost more. On the other hand, her trusted gynecologist isn't in the plan, so she pays his $125 fee out of her own pocket instead...

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