CSMS Magazine is the official medium put forward by the Center for Strategic and Multicultural Studies (CSMS), a nonprofit organization made up of academics and other professionals well versed in cultural and minority issues from all ethnic and cultural backgrounds in South Florida. These concerned citizens joined forces five years ago in an organized and constructive fashion to better help and serve the large disenfranchised minority population in Broward, Miami-Dade, Duval and Saint Johns Counties, Florida.

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Understanding HMO, PPO and FFS Health Insurance Plans

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