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Even within each company, coverage varies and is determined based on two key factors: Your Plan Type large employer / small employer / Medicare / Medicaid / Federal BCBS State Guidelines this determines foundational requirements for the above, but does not always apply Coverage Varies Widely BCBS coverage differences are driven by who controls your benefits (employer vs insurer), how the plan is funded (fully insured vs self-funded), and your medical indication

(This range varies a little bit, depending on who is defining normal)

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Hopkins et al., 2005

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