@article{kumar_sukhpal_2025,  title={A DECISION MODEL FOR CONTROLLING OUT-OF-POCKET EXPENSES THROUGH TELEMEDICINE ENGAGEMENT IN PRIMARY CARE},  volume={45},  ISSN={0101-7438},  url={https://doi.org/10.1590/0101-7438.2025.045.00288446},  DOI={10.1590/0101-7438.2025.045.00288446},  journal={Pesquisa Operacional},  publisher={Sociedade Brasileira de Pesquisa Operacional},  author={Kumar, Kaushal and Sukhpal},  year={2025},  pages={e288446} }