A white-haired and bespectacled man who looks like the traditional family doctor he once was, Otis Ray ("Doc") Bowen served as a general practitioner for more than a quarter of a century in Bremen, Ind. He knows about the ravages of long illness personally as well as professionally: his first wife Beth spent the last three months of her life in a hospital before she died of bone cancer in 1981. The experience was "devastating emotionally," Bowen recalls, adding, "We have all seen how devastating illness can destroy the financial security of a family."
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