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Thanks for an informative & interesting essay. Health care service by a licensed / certified care manager is obviously vital. An area challenging to a patient, senior or otherwise, and family - if not in a hospital or nursing home or hospice - is the financial requirements incumbent on one utilizing a care manager, i.e. my understanding there are limits (or non-coverage) by MediCAID, MediCARE and private insurance - unless already covered by a pre-contracted home health or nurse home coverage. Thanks again. Be well. Rich & Anne

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