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mr. barker enjoys a comfortable retirement income. he recently had surgery and expected that he would have certain services and items covered by the plan with minimal out-of-pocket costs because his ma-pd coverage has been very good. however, when he received the bill, he was surprised to see large charges in excess of his maximum out-of-pocket limit that included some services and items he thought would be fully covered. he called you to ask what he could do? what could you tell him?
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