CAC-Ramsay, a unit of Coral Gables, Fla.-based Ramsay-HMO, seems to have found a formula for growth and profit, specializing in serving the Hispanic populations of southern Florida. Thanks to above-average federal reimbursement rates, the HMO can offer Medicare enrollees a multitude of free perks and healthcare services through its clinic-based network. The company also is pursuing opportunities through commercial contracts and Medicaid plans.

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