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If a person who has existing insurance coverage with a HMO or PPO and is filing a claim, is the person required to follow the HMO or PPO rules for obtaining benefits?

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If a person who has existing insurance coverage with a HMO or PPO and is filing a claim, is the person required to follow the HMO or PPO rules for obtaining benefits?

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Yes, failure to follow the rules for obtaining benefits can result in a reduction of any potential amounts paid under the “excess” Accident/Medical Expense policy.

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