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If you die before you have received as much money as you paid in , however , your beneficiary receives regular installments until the total payments equal that amount . When you choose to use a service or provider outside the Cost HMO network , Medicare would still pay their usual share of the approved amount . This means that once your expenses reach a certain amount in a given calendar year , the reasonable and customary fee for covered benefits will be paid in full by the insurer and you no longer pay the co-insurance . In the seminar they learn how to conduct teacher research , define a question , gather evidence , analyze their data and write a research paper which is the final requirement for their Masters degree . Some critics have argued that Schechter 's film is a poor spin-off of Michael Moore 's 2004 high-grossing documentary Fahrenheit 9/11 .