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I like Kemper's HHC product. It's good coverage at a very affordable price here in NC. But, I don't like working with Kemper at all! I think they're running that company out of a garage with rotary dial phones. As much as dislike them, I'll keep offering their HHC product until I find an alternative and thought I'd ask for your help. I know of several other companies that offer short term care products, which are very nice but out of the price range I'm trying to stay in. Any other true HHC products out there?