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I've not heard anything good or bad (except the few answers here) about Beechstreet but can't find any of our doctors on their lists. He is being told that having their insurance would help us by lowering our out of pocket expenses. I'm not seeing this. I've heard that having 2 insurances can make things more difficult and really not be all that helpful either. I don't want him to spend $ on premiums if we will not save money in the long run. Does anyone know if having 2 insurances, one being an HMO and the other PPO, helps or hurts?
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