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SmartMoney magazine reports on the most common ways in which HMO companies can and do hurt their customers. Some of these are: the less your doctor sees you, the more he earns; Your primary-care doctor is your specialist; your health is a numbers game to us; Our exclusions could kill you; you are not sick until we tell you're sick; your ignorance is our bliss; we're loose with the facts; we use second-rate parts; Send you to an expensive therapist? are you crazy?; unhappy? go ahead, just try to sue us.

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