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Arnold Jonas is another childhood friend of mine. Blond, ruddy-faced, and sporting a paunch at fifty-two, he has rarely had a nine-to-five job and isn’t looking for one. The work he loves is in art and design—he once designed a project for the Smithsonian—but what usually pays the bills is physical labor or mechanical work. He lives from paycheck to paycheck. (“Retirement savings? Ha! You’re funny, Atul.”) Still, he has always known how to take care of himself. “I own my house,” he told me. “I have no debts.”
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Show Comments Hide Comments With UDP, you first have to pay the yearly deductible before the plan starts paying for services. Then, you pay your share of the cost using coinsurance, which is a percentage of the total cost. If you need a filling, for example, you pay 20 percent of the cost (or 30 percent if you don’t use a network dentist).
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