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I have a few rural Humana PPO members and am concerned that the new UHC-CIP with $0 premium is going to romp all over the Humana PPO. Humana PPO currently has a $49/month premium whereas the UHC-CIP combo will have $0/month. Does the CIP model have any challenges? As with any plan, I suppose that the provider could refuse to take it at any time. That's at least one that I can think of.