And finally, these plans will require insurance companies to cover basic preventative care -- from routine checkups, to mammograms, to pap smears -- at no extra charge to you.

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Health Care Advocates and Medical Claim Assistance have an 80% win rate for patients with a basic claim such as getting a medication or a routine procedure approved.

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Basic Medicare lacks features common in private plans, such as routine physicals, eye exams and dental services.

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For them, the key is making sure they get basic needs such as food and water and some kind of return to a routine.

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