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As a result, people paid out of pocket for a higher proportion of mental-health services than for general health services and faced catastrophic financial losses and possibly transfer to the public sector when the costs of their care exceeded the limits. ``If I had known this would be a problem I would have taken it to Kinko's and paid out of pocket,'' Stokka said. Because you are not covered by the "catastrophic" insurance until your condition has been declared catastrophic, the deductible does not have to be measured by the amount that you have paid out of pocket. |
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